Health insurance which is also known as private medical insurance, is designed to ensure that if you need medical treatment in future, you won’t need to worry about NHS waiting lists or paying for the cost of the treatment.
How many times have either you, a loved one or friend had to wait for days, weeks or months to be treated by the NHS. Most of us have had some sort of personal experience of this. Medical Insurance is designed to take this concern away so that you or your family will not have to experience this personally if you have not done so already.
If you’re treated privately, health insurance will pay all or some of your bills depending on the level of cover you have on your plan.
It should get you diagnosed and treated quickly, as well as offer you a prompt referral to a consultant and admission to a private hospital at a time and place that is convenient for you. This means if you are busy at work and the condition is not life threatening you can request when to be treated.
With health insurance, you’ll have a choice of private hospital from an agreed list provided by your insurer – most hospitals offer a private en-suite room, TV and a choice of food, which you wouldn’t necessarily get as a normal patient. You often hear patients who have used private hospitals refer to their stay as being similar to staying in a hotel due to the available facilities, private rooms and the standard of food and refreshments offered.
In short, the main benefits of private health insurance are:
- Shorter waiting times for treatment on the NHS
- Better facilities
- Cleaner facilities with a lot lower chance of getting other infections such as MRSA
- Faster diagnosis
- Choose from a range of private facilities
- Choose a convenient time for appointments and treatments