If you've searched the web for health insurance that covers pneumonia then you are probably for looking for established UK based health insurance companies that will cover your pneumonia.
Our advice when shopping around for health insurance that covers pneumonia is to speak to a insurance broker. Health insurance is very complex and if you want absolute certainty that pneumonia is covered by your policy you should talk with a health insurance broker who can explain which providers will cover this medical condition and which will not.
There are many advantages to using a 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 you so it costs you no extra to use their services.
- Do you live in many different areas? Some will give you a lower 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 policies?
- You've lean't you're at risk of developing a certain condition and want to know which insurer offers the largest amount of cover for it. A broker will know this instantly saving you so much time and effort.
You can call around every health insurance provider you can find and ask if they cover pneumonia, 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 medical insurance broker which will know which providers on the market cover pneumonia and under what conditions they do or don't cover it.
Pneumonia is swelling (inflammation) of the tissue in one or both lungs. It's usually caused by a bacterial infection.
At the end of the breathing tubes in your lungs are clusters of tiny air sacs. If you have pneumonia, these tiny sacs become inflamed and fill up with fluid.
The symptoms of pneumonia can develop suddenly over 24 to 48 hours, or they may come on more slowly over several days.
Common symptoms of pneumonia include:
Less common symptoms include:
See your GP if you feel unwell and you have typical symptoms of pneumonia.
Seek urgent medical attention if you're experiencing severe symptoms, such as rapid breathing, chest pain or confusion.
In the UK, pneumonia affects around 8 in 1,000 adults each year. It's more widespread in autumn and winter.
Pneumonia can affect people of any age, but it's more common – and can be more serious – in certain groups of people, such as the very young or the elderly.
People in these groups are more likely to need hospital treatment if they develop pneumonia.
Pneumonia is usually the result of a pneumococcal infection, caused by bacteria called Streptococcus pneumoniae.
Many different types of bacteria, including Haemophilus influenzae and Staphylococcus aureus, can also cause pneumonia, as well as viruses and, more rarely, fungi.
As well as bacterial pneumonia, other types include:
The following groups have an increased risk of developing pneumonia:
Your GP may be able to diagnose pneumonia by asking about your symptoms and examining your chest. Further tests may be needed in some cases.