Private health insurance in the UK
The NHS is a British institution, but it is currently under greater strain than ever due to a lack of funding and staff shortages. Appointment and referral waiting times are often lengthy, leaving you frustrated and concerned if you are looking for a diagnosis.
Private health insurance is the ideal alternative as you can see a private doctor promptly and the policy will take care of your medical bills.
What is private health insurance?
In simple terms, private health insurance covers the cost of private medical treatment. You can buy different types of insurance policy that will give you different levels of cover and this cost is taken into account in your premium.
What is covered by private health insurance in the UK?
A private health insurance policy will cover a number of medical treatments and requirements including:
- Inpatient treatment
- Outpatient treatment
- Hospital accommodation
- Nursing care
You can often also add extras to your private health insurance policy such as:
- Accommodation for parents if your child is in hospital
- A private ambulance
- Cover for psychiatric treatment
- Complementary therapies
- Nursing care at home
- A 24-hour support line
What are the benefits of health insurance?
If you are self-employed or have a job where taking time off for medical appointments is difficult, private health insurance can be useful as you can choose the day and time of your appointment or treatment.
Other benefits of private medical insurance include:
- Faster access to treatment
- The choice of which hospital to attend
- Access to treatment and medication not available on the NHS
- Better amenities than those at an NHS hospital
Other health insurance information: