Being the early part of the year, many people are still sticking to their New Year’s resolutions - new gym memberships, taking up a new sport and generally getting fitter and healthier than they ended the previous year. Therefore, it comes as no surprise to hear that the UK sees anything up to 50,000 sports injuries every single day.

Untreated sports injuries can result in weakness, an unstable platform and infections, possibly manifesting in more problems further down the line. So swift treatment is essential to ensure you’re fit and health, able to continue your new regime and (in some cases) ensure you can continue to work and go about your normal life.

Each injury could require a diagnosis, specialist treatment, physiotherapy and a rehabilitation program before a return to action. The quicker you can get through this and the higher the quality of your treatment, the better. That’s precisely where a health insurance policy plays an important role. Giving you quick and easy access to specialists to get you back into shape, avoiding NHS waiting lists, crowded wards and higher risks of infection.

But be warned that a dirt cheap health insurance policy is likely to be cheap for a reason - it’s unlikely to provide you with cover for every eventuality (such as sports injuries). Some health insurance policies (and travel insurance for that matter) will contain exclusions in the small print explaining that they will not pay out on a claim if the medical costs were required as a result of an “extreme” sport. This may include skateboarding, hand-gliding, sky diving or motor-cross as examples.

The key to finding cheap health insurance is not to simply buy the policy with the lowest price. You need to make sure the policy you buy is providing you with the cover you’re likely to need. If you’re a keen sportsperson, you should be including this type of cover in your private medical plan. So don’t be misled by cheap quotes.

Whatever protection you need, help is on hand from a number of health insurance comparison websites which cover the UK market. They can find your best health insurer in a matter of seconds and even put you through to speak to someone over the phone to get into the detail more easily. It’ll save you tons of form filling time, leaving you more time for your favourite activities.

Harvey McEwan writes to make insurance (especially car insurance!) a happier place. You’ll often find him here: http://uk.insurancewide.com/insurance/car/

Harvey_McEwan

Tags: car insurance, cheap health insurance, health insurance, travel insurance

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