Private Health Insurance

One of the greatest unique perks of living in the UK is the NHS. Most UK residents are entitled to free healthcare from the NHS, free appointments, free or subsidized medicines and free treatments. It is truly remarkable, yet sometimes private health insurance can be more valuable.

Where’s the difference? And why should you bother with private health insurance when you get everything free or subsidized with NHS. Well the major difference is time. The only problem with the hugely beneficial NHS, is that it services the entire population of the UK. As a result of this, twinned with government budget constraints, the time it takes to go through treatment can take months; maybe even years. On average GP surgeries in the UK (who are the “official gatekeepers” of the NHS) service over 50,000 in an area – that’s ONE SURGERY! Are you really then surprised that you need to call at 8am sharp in order to pre-book a phone interview only after which you may qualify for a face to face interview in a months time? Call at 8.10am? Sorry all the phone calls for the day are booked, try again tomorrow!

Time can be invaluable. You may be going through some doubts about your health, you may urgently need some clarity as to why something just isn’t right. At that point, do you really want to wait weeks for an initial appointment, and then potentially months or years waiting for treatments and appointments?

When you pay for your health insurance, you are paying for your time. You are paying for the ability to jump in front of queues in order to get seen first. You are paying for peace of mind when you need it. You are paying for faster treatment, which could make all the difference.

Private health insurance pays all, or some, of your medical bills if you are treated privately. It gives you and your family the peace of mind knowing there are shorter waiting times, faster diagnosis and better facilities available when you have health insurance.

When you take out health insurance you will be able to tailor your policy to suit your needs. You can add different levels of cover, at the same time keeping the policy affordable for you. The various options include:

  • Out-patient cover

  • Dental and optical cover

  • Comprehensive cancer cover

  • Mental health treatment

  • Therapies cover

  • Differing excess levels

It would be a good idea to get private health insurance if:

  • You want to be covered for treatment and drugs not covered by the NHS.