The National Health Service (NHS) provides care to more than 60 million British nationals. It is a state-funded institution that employs some 1.3 million people. It is regarded as one of the world’s best public healthcare services. However, it doesn’t come without its problems. The private healthcare sector in the United Kingdom has stepped in to fill the void left by the problems of the NHS for patients.
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The private healthcare sector works hand-in-hand with the NHS. The private healthcare insurance companies offer healthcare and medical services for a premium for a wide range of conditions, procedures, and ailments. However, where the private healthcare can’t assist, the NHS can support you.
One of the main reasons people pay for private healthcare coverage is to reduce the time it takes to be treated. In the NHS, patients can wait more than a year in some instances to be diagnosed and treated. Your healthcare insurance policy means you can pick and choose which private hospitals and doctors you would like for your care, while in the NHS you are handed a number and wait for the first available consultant or doctor to attend to you.
There are many different covers and protection plans available for you to choose from. You should consult a healthcare insurance broker to learn about as many different insurance companies, plans, and services they each offer before you select one. Your policy type determines what is and what isn’t covered. Most insurance plans cover in-patient treatments as well as day-care surgeries and procedures at partner hospitals.
As we’ve mentioned, private healthcare insurance plans don’t cover all aspects of your medical needs. As a tax-paying citizen of the United Kingdom, you are entitled to make use of the NHS for those circumstances that your private healthcare doesn’t cover. Such instances are for organ transplants, pre-existing medical conditions, normal pregnancy and childbirth, cosmetic surgeries, sports or other such types of injuries, and chronic illnesses such as HIV/AIDs, diabetes, epilepsy, and more.
There are different packages to choose from, depending on your personal profile. You might opt for a personal/individual policy, a family plan, one for your children only, and you can also tailor your plan as you can do with your vehicle and home insurance policies by adding extra areas of coverage such as for pre-existing conditions, pregnancy and childbirth costs, and aspects such as dental procedures.
Your reasons for wanting private medical aid are likely numerous. Private medical aid helps if you require urgent medical care from specialists. If you’re a professional sportsperson, private healthcare insurance will help you to have access to a specialist to attend to your injuries, and it offers you a safety net for you and your family in case of emergencies.