UK residents have access to free NHS services, which is a pretty comprehensive coverage, but some people may still find the need to get private insurance. Private medical insurance can be part of employee benefits, or an individual can buy a policy from an insurer. Companies that provide health insurance have different plans available for customers with the type of treatment covered ranging with policies. You can get insurance that pays for the most basic treatments or one with a more comprehensive coverage. With private medical insurance, you have to pay monthly premiums depending on the terms of your policy. A few reasons justify getting health insurance.
For Private Hospitals
The biggest reason is when an individual prefers getting treatment from a private hospital or institution. You get to choose which hospital to go to when using health insurance in addition to picking the surgeon or physician providing the treatment. In some cases, it may not be possible to get treatment or drugs on the NHS, especially when they are too expensive to get approval by NICE (National Institute for Health and Care Excellence). Such a situation makes it necessary to seek the services elsewhere. With health insurance, you can pay for services such as surgery, tests, and hospital accommodation in private hospitals. However, the policy you are holding will determine the kind of service you can get.
Consulting a Specialist
Another situation where private medical insurance would serve you well is when you require the consultation of a specialist. A medical condition may need your GP to refer you to a particular expert. When being referred to a specialist, understand the extra charges before treatment commences. It helps to have a record of these costs. Private health insurance is also suitable for someone who wants to choose their consultant. Maybe you have a medical condition that requires specialized consultation, and you already have someone in mind; health insurance gives you the freedom to get their services. Always check that your policy covers the specialist’s treatment or consultation that you intend to get.
In some instances, an individual may want to get a second opinion from another doctor. You have received your NHS services but want to be sure about the diagnosis or type of treatment that has been recommended. It is your right to ask for a second opinion, and private medical insurance makes that possible.
Health insurance offers a viable alternative for an individual who doesn’t want to wait for NHS treatment. Usually, there is a waiting list for patients and even though the period has reduced over the years, it may still not be good enough for you. For instance, you may not have the strength to wait four weeks for an operation. If you have medical insurance, you can schedule surgery when it is convenient for you. Getting health insurance is a good idea for someone who intends to get a health screening and other medical services such as psychiatric or physiotherapy care. Understand that it is possible to use your health insurance to pay for services at an NHS hospital. When buying medical insurance, know your needs and shop for policies that meet them.