If you've searched the web for private health insurance that covers gallstones then you are probably for looking for trusted UK based health insurance companies that can cover your gallstones.
Our advice when shopping around for private medical insurance that covers gallstones is to speak to a health insurance broker. Health insurance is very complex and if you want complete certainty that gallstones is covered you should talk with a broker who can explain which providers will cover this medical condition and which will not.
There are many advantages to using a insurance broker but the biggest 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 brokering services.
- Do you reside in many different areas? Some will give you a cheaper premium than offers. A broker will be able to advise whats best.
- Do you have a hobby that may invalidate your insurance policy? A broker will know this critical information.
- If you are a couple and one of you has claimed on your 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 largest amount of cover for it. A broker will know this instantly saving you huge amounts of time and effort.
You can call around every health insurance provider you can find and ask if they cover gallstones, 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 gallstones and under what terms they do or don't cover it.
Gallstones are small stones, usually made of cholesterol, that form in the gallbladder. In most cases they don't cause any symptoms and don't need to be treated.
However, if a gallstone becomes trapped in a duct (opening) inside the gallbladder it can trigger a sudden intense abdominal pain that usually lasts between 1 and 5 hours. This type of abdominal pain is known as biliary colic.
Some people with gallstones can also develop complications, such as inflammation of the gallbladder (cholecystitis), which can cause:
When gallstones cause symptoms or complications, it's known as gallstone disease or cholelithiasis. Read more about:
The gallbladder is a small, pouch-like organ found underneath the liver. Its main purpose is to store and concentrate bile.
Bile is a liquid produced by the liver to help digest fats. It's passed from the liver through a series of channels, known as bile ducts, into the gallbladder.
The bile is stored in the gallbladder and over time it becomes more concentrated, which makes it better at digesting fats. The gallbladder releases bile into the digestive system when it's needed.
Gallstones are thought to develop because of an imbalance in the chemical make-up of bile inside the gallbladder. In most cases the levels of cholesterol in bile become too high and the excess cholesterol forms into stones.
Gallstones are very common. It's estimated that more than 1 in every 10 adults in the UK has gallstones, although only a minority of people develop symptoms.
You're more at risk of developing gallstones if you're:
Read more about:
Treatment is usually only necessary if gallstones are causing:
In these cases, keyhole surgery to remove the gallbladder may be recommended. This procedure, known as a laparoscopic cholecystectomy, is relatively simple to perform and has a low risk of complications.
You can lead a perfectly normal life without a gallbladder. Your liver will still produce bile to digest food, but the bile will just drip continuously into the small intestine, rather than build up in the gallbladder.
Read more about: