According to insurer WPA, most people with private medical insurance cover hardly ever use it. On the other hand, they want to know that if the worst happens, they have the security of comprehensive cover rather than a limited budget plan.
The WPA solution, 1XS, is a private medical insurance plan for couples and families. They claim this can cut the cost of comprehensive insurance by up to 70%. It has one single excess for all the family, rather than the more normal basis of per person or per claim. It is on a single rolling basis. So if you reach the excess, you pay nothing more for the next 12 months, rather than just up to renewal date.
Leading health insurer, WPA, promises to pay claims within 7 working days. If they fail, they pay a penalty to you.
The policy has a wide range of cover for in-patient, out-patient and day-patient treatment. Although cover is restricted to treatment in the UK, WPA take a sensible attitude in considering pre-planned and pre-authorised treatment overseas.
There is up to 10% off the premium, if you buy this product online.