HEALTH INSURANCE 

Health Insurance can be used to cover the cost of medical care and treatment. Ensure you have access to fast treatment with private health care.

Why take out private Health Insurance when we have the NHS?

The NHS does a good job in difficult circumstances. However, many people are turning to private healthcare particularly as the population is getting bigger and living longer, putting increasing pressure on the NHS.

Some may feel that private health insurance is an unnecessary purchase when the NHS provides healthcare free of charge. However, being in good health should never be taken for granted and health insurance can help you get on the road to recovery faster than via the NHS. Health insurance ultimately gives you peace of mind so that if the worst happens, you can be treated fast.

What are the benefits of Health Insurance?

With private healthcare unlike the NHS you do not have to wait as long for treatment which is the main advantage. Being covered by private health insurance means that you will receive the care you need when you need it, without having to wait weeks for an appointment and perhaps months on an NHS waiting list for surgery or treatment. You will also be given more choice as the when and where you are treated and be given faster access to new treatment and technologies.

In general you will find that with private healthcare you are given extra support and advice that you would receive otherwise. You will have an overall better healthcare experience. Another advantage of private medical insurance is the guarantee of high quality facilities should you need to stay in hospital. Most rooms will be private with en suite bathroom, open visiting and many other premium facilities.

Choosing a policy

It is essential to take some time to consider your options because there are many different insurance products available. Make sure you choose a policy that is tailored to suit you and your pocket. Health insurance can be expensive but there are affordable policies on the market.

When deciding on the best policy you need to make sure that should you need private healthcare, you have the right level of cover in place. The main aim is to reduce your premiums without compromising your medical cover. Remember however, that the cheapest policy isn’t necessarily the best as it will offer you the least amount of cover.

You can compare different policies in the table above. Make sure you read the terms and conditions carefully before applying.