If you've searched the internet for private health insurance that covers chilblains then you are probably for looking for trusted UK based health insurance providers that can cover chilblains.
Our advice when shopping around for private medical insurance that covers chilblains is to speak to a insurance broker. Health insurance is incredibly complex and if you want absolute certainty that chilblains is covered you should talk with a health insurance broker who can explain which policy providers will cover this medical condition and which will exclude it.
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 live in many different postcodes? Some will give you a lower premium than offers. A insurance 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 policies?
- You've developed a certain condition and want to know which insurer 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 on the market and ask if they cover chilblains, 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 far far quicker to speak to one health insurance broker which will know which policy providers on the market cover chilblains and under what conditions they do or don't cover it.
Chilblains are small, itchy swellings on the skin that occur as a reaction to cold temperatures.
They most often affect the body's extremities, such as the toes, fingers, heels, ears and nose.
Chilblains can be uncomfortable, but rarely cause any permanent damage. They normally heal within a few weeks if further exposure to the cold is avoided.
Chilblains usually develop several hours after exposure to the cold. They typically cause a burning and itching sensation in the affected areas, which can become more intense if you go into a warm room.
The affected skin may also swell and turn red or dark blue.
In severe cases, the surface of the skin may break and sores or blisters can develop.
It's important not to scratch the skin as it can break easily and become infected.
Most people don't need to seek medical advice if they have chilblains as they usually heal within a few weeks and don't cause any permanent problems.
See your GP or chiropodist for advice if you have:
You should also seek medical advice if you think your skin may have become infected.
Signs of infection include:
Chilblains are the result of an abnormal reaction to the cold. They're common in the UK because damp, cold weather is usual in the winter.
Some people develop chilblains that last for several months every winter.
When the skin is cold, blood vessels near its surface get narrower. If the skin is then exposed to heat, the blood vessels become wider.