If you've searched the web for private medical insurance that covers insomnia then you are most likely for looking for established UK based health insurance companies that will cover insomnia.
Our advice when looking for private medical cover that covers insomnia is to speak to a health insurance broker. Health insurance is extremely complex and if you want absolute certainty that insomnia is covered by your policy 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 services.
- Do you live in many different postcodes? Some will give you a cheaper premium than offers. A insurance 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 insurance 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 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 health insurance provider you can find and ask if they cover insomnia, 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 insomnia and under what terms they do or don't cover it.
Insomnia Information
Insomnia is difficulty getting to sleep or staying asleep for long enough to feel refreshed the next morning.
It's a common problem thought to regularly affect around one in every three people in the UK, and is particularly common in elderly people.
If you have insomnia, you may:
Occasional episodes of insomnia may come and go without causing any serious problems, but for some people it can last for months or even years at a time.
Persistent insomnia can have a significant impact on your quality of life. It can limit what you're able to do during the day, affect your mood, and lead to relationship problems with friends, family and colleagues.
There are no official guidelines about how much sleep you should get each night because everyone is different.
On average, a "normal" amount of sleep for an adult is considered to be around seven to nine hours a night. Children and babies may sleep for much longer than this, whereas older adults may sleep less.
What's important is whether you feel you get enough sleep, and whether your sleep is good quality.
You're probably not getting enough good-quality sleep if you constantly feel tired throughout the day and it's affecting your everyday life.
It's not always clear what triggers insomnia, but it's often associated with:
Read more about the causes of insomnia
There are a number of things you can try to help yourself get a good night's sleep if you have insomnia.
These include:
Some people find over-the-counter sleeping tablets helpful, but they don't address the underlying problem and can have troublesome side effects.
Read more self-help tips for insomnia