WHY HEALTH INSURANCE?
A QUICK OVERVIEW

Health insurance is a type of private or personal insurance cover that pays for certain medical costs should they arise in relation to the conditions covered in the policy. It is also called variously, private medical cover and private medicine.

Health plans are a form of healthcare which the patient/policy holder pays for. In return, the policy covers him or her for the treatment of those conditions covered at a private hospital or other clinical facility.

A bewildering array of insurance companies offer cover for a monthly fee, known as the premium, the level of which is dependent on various factors, including age, occupation, sex, previous medical history etc.

Individuals choose to have private health care cover for numerous reasons. Many simply prefer to have a more tailored healthcare plan rather than rely upon the standardized NHS offering.

Highest on the list of reasons why people choose private health insurance is that it provides a superior quality of care than that offered by the NHS. Primarily, this translates to the best hospitals and staff with the very latest in facilities and procedures. Least not of which are ultra-clean and luxurious surroundings. 

Where private health and medical cover is paid for, the NHS, of course, is free and is funded through taxation and National Insurance Contributions.

However, due to the strains being placed on NHS resources through such factors as increases in life expectancy and population growth, many people feel that health insurance is a necessary safeguard against hospitals and facilities which are stretched to their limits and often viewed as woefully inadequate at best. 

Private medical insurance is seen as the solution to this dilemma as it affords the choice of having access to treatment sooner rather than later. Hence, a viable alternative exists instead of having to suffer the burden of long NHS waiting list or even non availability of certain types of drugs and treatment.

In circumstances where patients are experiencing constant pain or have been diagnosed with serious or life threatening illnesses, private health insurance can be a godsend, making available high quality facilities, choice and immediate access to the latest treatments.

Superior Health Care, Peace Of Mind, Privacy And No Waiting Lists

As well as providing superior health care, very often medical insurance offers personal privacy with the peace and tranquility of ones own room as opposed to the sometimes noisy NHS multi-occupied wards.

In addition, where NHS staff are often overstretched and unable to provide adequate patient care, private medical care is acknowledged for its high level of patient care.

Being able to afford private healthcare eliminates many of the worries and concerns about having access to quality treatment should one fall ill. Many hospitals and clinics offer a quality of service comparable to a five star hotel. Private rooms with en-suite, delicious, healthy and nutritious meals, one to one nursing staff and fast access to consultants are common features of private health and medical insurance.

However, private healthcare cover is not designed to completely replace the NHS. There are areas including accident and emergency provision which are not provided by health insurance and many private hospitals do not have accident and emergency facilities as well as trauma units.

Companies like BUPA, Private Patients Plan (PPP) and AXA offer various types of health and medical insurance cover that can be tailored to the individuals specific needs and requirements. Some companies offer levels of cover which are designed for single people, couples, families and those in certain age groups.  There are also medical and healthcare policies for specific requirements such as sports injuries or maternity care.

YOUR GATEWAY TO HIGH QUALITY, LOW COST HEALTH INSURANCE STARTS HERE...

Many health insurance companies provide a wide range of healthcare plans and FREE health insurance quotes to meet all types of requirements. Cover and peace of mind can be enjoyed from as little as £2.50* a week.

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