If you've searched Google for private medical insurance that covers allergies then you are probably for looking for established UK based health insurance providers that will cover your allergies.
Our advice when shopping around for health insurance that covers allergies is to speak to a insurance broker. Health insurance is incredibly complex and if you want absolute certainty that allergies is covered you should consult with a broker who can explain which policy providers will cover this medical condition and which will not.
There are many advantages to using a insurance broker but the largest by far is that you're using their insurance training at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than by you so it costs you no extra to use their services.
- Do you reside in many different postcodes? Some will give you a cheaper policy premium than offers. A broker will be able to advise whats best.
- Do you have a hobby that may invalidate your insurance claim? A broker will know this vital information.
- If you are a couple and one of you has claimed on your insurance policy this year would it be cheaper to separate you both onto two different insurance policies?
- You've developed a certain medical condition and want to know which policy provider offers the biggest amount of cover for it. A broker will know this instantly saving you huge amounts of time and effort.
You can call around every medical insurance provider you can find and ask if they cover allergies, however this will be a very time consuming process. Each insurer will ask for your medical history because its not normally a simple yes or not if a medical condition is covered or not.
Its much quicker to speak to one health insurance broker which will know which policy providers on the market cover allergies and under what terms they do or don't cover it.
An allergy is a reaction the body has to a particular food or substance.
Allergies are very common. They're thought to affect more than 1 in 4 people in the UK at some point in their lives.
They are particularly common in children. Some allergies go away as a child gets older, although many are lifelong. Adults can develop allergies to things they weren't previously allergic to.
Having an allergy can be a nuisance and affect your everyday activities, but most allergic reactions are mild and can be largely kept under control. Severe reactions can occasionally occur, but these are uncommon.
Substances that cause allergic reactions are called allergens. The more common allergens include:
Most of these allergens are generally harmless to people who aren't allergic to them.
Allergic reactions usually happen quickly within a few minutes of exposure to an allergen.
They can cause:
Most allergic reactions are mild, but occasionally a severe reaction called anaphylaxis or anaphylactic shock can occur. This is a medical emergency and needs urgent treatment.
Read more about the symptoms of allergies.
If your pharmacist thinks you might have a mild allergy, they can offer advice and treatment to help manage the condition. See your pharmacist if you think you or your child might have had an allergic reaction to something. The symptoms of an allergic reaction can also be caused by other conditions. Your pharmacist can help determine whether it's likely you have an allergy.
If your allergy is particularly severe or it's not clear what you're allergic to, the pharmacist may advise you see your GP who may refer you to an allergy specialist for testing and advice about treatment.
Read more about allergy testing.
In many cases, the most effective way of managing an allergy is to avoid the allergen that causes the reaction whenever possible.
For example, if you have a food allergy, you should check a food's ingredients list for allergens before eating it. The Food Standards Agency has more information about food allergen labelling.