Almost every insurance company has to make sure that they are going to dig deep enough and pray almost that the policy holder does not die till they are able to extract enough money from them. This is reason perhaps that the insurance companies particularly the health medical insurance because they are quite familiar with the fact that the life expectancy of the smokers are lesser than the ones who do not smoke. Likewise, there are different categories or classifications on the basis of which the insurance companies are going to decide on their premiums. As far as the National Insurance in UK is concerned, it is certainly not the most competent or compelling any longer. People have to wait for long and the waiting lists are simply going up every day. Moreover, the services are also less than comprehensive that is least desired by the people particularly when the wait is related to something as important as getting proper medical coverage and attention whether it is a small surgery or a life threatening disease. Health care UK is therefore a complex world and the residents of UK need not live under the myths that private insurance companies are always going to provide you with the worth for the money that is spent on their services and you will have complete peace of mind once you are registered with them.

In UK, the private health care insurance services are meant to cover those illnesses that are temporary in nature. In other words, the functions of the private insurance companies are restricted to short term illnesses or injuries. Basically, the people of UK prefer to get medical services from NHS or the National Health Service as it is cheap and effective. The private insurance companies are having several plans for their client and with the rapid increase in the number of insurance companies it may be extremely difficult to choose the best and the most suitable one. While some of these plans will include those facilities that are provided for a stay in the hospital, the others will probably include services for out- patient stays that are usually more expensive. In addition to this, the private health medical insurance also provides services to the residents for pre existing health conditions. However, let us discuss about the way that a person can make the claims. The first thing to be done is to visit a general practitioner who will explore whether the case is to be examined by a specialist and this is important because there are many health insurance providers that provide the claims only when the case is referred to a specialist doctor. If the treatment that you are taking is covered by the tenets of the policy, the insurer is going to provide you with a form that you are required to fill and submit. Basically, making claims will depend on the length of the medical treatment and tests and while this is a general way that is described here, there are specific rules for each of the insurance companies.

In other cases that involves road traffic accident; there are separate procedures to make claims such as getting the relevant information from the police officer or getting the address of the witnesses of the site of accident etc. In other words, following the norms properly will ensure that the accident victim will be able to recover the dues in the most convenient manner. As far as getting the claims is concerned, the rules will vary for accident at work or for any other purpose and the consumers have to adhere to the guidelines of the insurance company. With troubles such medical negligence, the consumers will exactly have three years in hand to make a claim and it is better to seek the opinion of an established insurance company and similarly for making claim direct. The best way for the consumers is to compare the quotes of different companies and accepting a deal that is suitable for their needs.