The most used private health insurance company in the UK is BUPA. This is normally obtained either through a company, or you can also obtain it personally as well.
Most any insurance agent has access to a great variety of private health insurance. After discussing your particular needs and budget, the agent can search for the coverage that is best suited for you.
Most will say it is not better to have private health insurance. Honestly,it provides a safety net for when emergencies happen. Without private health insurance, bills could easily hit the hundred thousands of dollars.
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Most pain clinics are covered by health insurances, however, the best way to be make sure is to call your insurance company. The insurance company can provide you a list of pain clinics that your insurance will cover.
I presume that you are talking of health insurance in the USA - in many countries including most of Europe, health insurance is not necessary because the state provides reasonable health care, though some rich people do have private insurance to be able to have private treatment. Probably the greatest reason for not having health insurance is lack of funds, some people can't afford it.
Your best bet would be to call the health insurance company directly to find out if your health insurance is covered internationally. Most companies DO offer international coverage.
Most health insurance companies will cover children until they are 21 years old, or until they move out of their parents home at 25, if they are still in school. This varies from company to company.
Most people will advise you to purchase your private health insurance directly. The addition of broker fees will most likely be more than any money you would have saved over just going direct.
For a person looking for private health insurance, the thing that most healt insurance providers are looking for are existing ailments and bad habits like drinking and smoking.
Most companies offer group health insurance. As an employer it is normally a good thing to offer a group health insurance plan as it is cheaper for the company and needed by the employee.
Private health insurance can benefit you in a number of ways. First, and probably most importantly, it can greatly alleviate out of pocket medical expenses. It can also protect you and give you peace of mind in the event of an unexpected accident/injury.
The average cost of family medical insurance in the United States is about $1000 per month. Most other countries do not need private health insurance because the have health care from their governments.