Private medical insurance commonly known as health insurance is designed to cover the costs of receiving treatment for acute conditions privately. An acute condition is defined as a short-term curable illness or injury.
Why choose Health Insurance?
Take a hip replacement for instance, due to the NHS’s lack of funding and the great level of demand for this treatment if you were to decide to use the NHS, the average waiting time is around 90 days (Dr Foster Research) where as if you were to receive this treatment privately you can choose when you want to receive it.Health insurance puts you in control
Health insurance is designed to put you in control, it provides flexibility with the insurance covering the costs of the medical treatment at private clinics and hospitals when you need it. As a private patient you will often be able to choose when the treatment takes place, the specialist who treats you and the hospital in which you receive treatment.
Having an operation can often be a stressful time so feeling comfortable in the lead up to and post is key, in addition to receiving prompt treatment you gain the privacy of an en-suite room and many of your home comforts such as food, television and wireless internet.
There is no getting away from it, it can be expensive but you can find affordable health insurance, with a competitive market and options available to tailor the plan to your needs there is a product available to suit all means.
Health insurance is not designed to replace the NHS
It is also important to remember that health cover is not designed to replace all the services the NHS provides. Some services, such as accident and emergency and the treatment of chronic illnesses are beyond the scope of most private hospitals.
Health insurance doesn’t cover everything
Some illnesses and treatments will not be covered by a private medical insurance policy and these are common to most schemes, for more information see health insurance – what is not covered?
