If you've searched online for private medical insurance that covers sunburn then you are most likely for looking for established UK based health insurance providers that can cover sunburn.
Our advice when shopping around for private medical insurance that covers sunburn is to speak to a health insurance broker. Health insurance is incredibly complicated and if you want absolute certainty that sunburn is covered by your policy you should talk 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 biggest by far is that you're using their industry experience 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 live in many different postcodes? 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 insurance policies?
- You've lean't you're at risk of developing 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 so much time and effort.
You can call around every medical insurance provider you can find and ask if they cover sunburn, 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 providers on the market cover sunburn and under what terms they do or don't cover it.
Sunburn is skin damage caused by ultraviolet (UV) rays. It usually causes the skin to become red, sore, warm, tender and occasionally itchy for about a week.
The skin will normally start to flake and peel after a few days and will usually fully heal within seven days.
While sunburn is often short-lived and mild, it's important to try to avoid it, because it can increase your chances of developing serious health problems, such as skin cancer, in later life.
It’s easy to underestimate your exposure to the sun when outside, as the redness doesn’t usually develop for several hours. Breezes and getting wet (such as going in and out of the sea) may cool your skin, so you don’t realise you’re getting burnt.
You should always be aware of the risk of sunburn if you’re outside in strong sun, and look out for your skin getting hot.
If you or your child has sunburn, you should get out of the sun as soon as possible – head indoors or into a shady area.
You can usually treat mild sunburn at home, although there are some circumstances where you should seek medical advice (see below).
The following advice may help to relieve your symptoms until your skin heals:
Try to avoid all sunlight, including through windows, by covering up the affected areas of skin until your skin has fully healed.
You should contact your GP or the NHS 24 111 service for advice if you feel unwell or have any concerns about your sunburn, particularly if you are burnt over a large area or have any of the more severe symptoms listed below.
You should also see your GP if a young child or baby has sunburn, as their skin is particularly fragile.
Signs of severe sunburn can include:
Your GP may recommend using hydrocortisone cream for a few days (this is also available over the counter at pharmacies) to reduce the inflammation of your skin.
Severe sunburn may require special burn cream and burn dressings from your GP or a nurse at your GP surgery. Very occasionally, hospital treatment may be needed.
Everyone who is exposed to UV light is at risk of getting sunburn, although some people are more vulnerable than others.