We insure our cars and homes without a second thought, but have you ever considered taking out health insurance?
The UK’s National Health Service (NHS) is designed to provide medical treatment and support to everyone, regardless of their ability to pay.
But while it provides a valuable service, paying for private health insurance offers many advantages. Medical advances mean doctors can treat many more conditions, but new procedures, diagnostic methods, drugs and technology mean medical costs are increasing all the time. In addition, the population is growing larger and living longer, which is putting extra demands on the NHS in terms of both time and costs.
Health insurance can also offer access to specialist drugs and treatment that may not be available on the NHS or affordable to pay for directly.
What is covered;
We can help you through the process of picking what is essential for you to have covered and explain all the jargon that goes with Private Medical Insurance.
Advantages of PMI
No queues: although waiting times on the NHS have improved to a maximum of 18 weeks between referral and treatment, you won’t have to wait this long for private treatment.
Peace of mind: if the worst happens, your treatment will be as quick as it can be. Many people are also concerned about the problem of MRSA in NHS hospitals.
Choice: you can choose your consultant and where you want to be treated, with the proviso that some policies restrict treatment to set lists of hospitals.
Private room: you don’t have to worry about being on a mixed-gender ward. Depending on your policy, you may have an ensuite bathroom.
Unrestricted visiting hours.
Personal care: a retinue of medical students won’t accompany your appointment with the consultant, you won’t be kept waiting for hours to see them and you will have more time to discuss your symptoms.
Continuity of care: you are likely to be seen by the same consultant throughout your treatment.
Specialist claim team: your insurer may have a team that deals specifically with a certain type of condition, such as cancer, who can help advise you.