Health Insurance, also known as Private Medical Insurance, offers several benefits that support a quick and successful recovery from illness or injury. If you ever need medical attention, Health Insurance gives you access to advanced treatments and care through the private healthcare system. With the NHS currently trying to cope with a record waiting list of around 7 million people*, having access to instant care as and when you need it could (quite literally) be a lifesaver.
Many people worry about the cost of private medical care, but Health Insurance can provide an affordable way to access it. It’s important to note that you’ll still have access to the NHS, and you’ll be able to take advantage of both systems as and when it makes sense to do so.
If you’re interested in taking out Health Insurance for yourself or your family, read on read on to learn more about the benefits.
1. Access to instant medical care when you need it
We’ve all heard the stories of patients waiting months for operations and treatments through the NHS. If the condition is causing pain or discomfort, these wait times can severely diminish people’s quality of life, and often the condition can become worse or lead to other complications. Health Insurance allows you to bypass long NHS waiting lists and receive immediate medical care whenever you need it, potentially leading to better outcomes.
2. Access to drugs & treatments not available on the NHS
Health Insurance can provide access to cutting-edge treatments and medications that may not be available through the NHS. If you were ever to suffer from a serious illness or injury, being able to take advantage of the latest treatments could give you the best chance of a full recovery.
3. Access to treatments that may otherwise be unaffordable
Without Health Insurance, private medical care can be too expensive for many people, who can be priced out of the latest and most advanced treatment options. However, with a typical Health Insurance policy, a portion or all of the cost of your treatments is covered by the provider, potentially allowing you to take advantage of the most advanced medical care available.
4. Able to choose your preferred surgeon & hospital
The NHS often limits patients’ choices in terms of timing, location, and provider of medical treatments. In contrast, the private healthcare system offers more flexibility, and you’ll usually have the ability to pick the surgeon, specialist, or clinic that best suits your needs and location.
5. Access to a private room & personalised care
The private healthcare system tends to provide more personalised care than the NHS. For example, many Health Insurance policies will provide the option of a private room rather than a shared, mixed-sex ward, potentially giving you greater comfort and privacy during your recovery.
6. Quicker access to physiotherapy and certain aftercare
Starting appropriate rehabilitation therapies quickly is vital for a full recovery after certain injuries and medical conditions. However, due to the pressure on the NHS, getting the necessary aftercare can often be delayed. Health Insurance can give you access to world-class physiotherapy as soon as you need it.
7. Access to the private health system as well as the NHS
The NHS is an incredibly valuable institution in the UK, and the private healthcare system is not there to compete with or replace it. Many people choose to take advantage of both systems to maximise the quality and speed of the care they receive. Taking out Health Insurance doesn’t prevent you from using the NHS, you’ll still have the same access as everyone else, allowing you to use both systems and tailor your care to suit your needs.
The Bottom Line
The NHS is facing significant challenges in 2023, and it’s likely that many patients will be unable to receive the care they need in a timely manner. Health Insurance can give you peace of mind that you and your family will have access to advanced treatments instantly and affordably whenever you need them.
At Michael Usher Mortgage Services, we’ve been helping people with insurance for over 30 years. We have a dedicated insurance and protection team who can help you for FREE. Our friendly experts will discuss your situation, find a policy that suits your needs, and set it up for you free of charge. Book your FREE insurance consultation with one of our advisors to get going. You can visit us on Frimley High Street or chat to us remotely via phone or video call if you’d prefer. We look forward to speaking with you!
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