Health insurance

The average wait for an appointment with the National Health Service is 7 weeks. That is why so many people take out health insurance, which covers the cost of private treatment. How long would or could you wait for the NHS to start treatment?

Having Health Insurance provides you with the peace of mind that you are guaranteed treatment as soon as you need it. As a private patient you can say when you want to be treated and most private care is usually from the comfort of a private room with all your home comforts included. You will be assigned high quality care and have no restrictions when it comes to visitors.

Private health insurance is much more tailored to suite your individual needs and specialist care is provided accordingly. If you fall ill, there are no long waiting lists to contend with and you will not have to wait to find out a prognosis and be treated.

Types of health insurance

Do shop around when you are choosing your private medical care policy as there are many variations which can tailor to your individual needs. Do look into detail and find out which hospitals have been selected for your policy and what hospital care is available from them. Health Insurance in the UK has a varied number of policies usually a core range through to comprehensive.

The Core plan covers consultant’s fees, diagnostic tests, specialist fees, chemotherapy and radiotherapy.

The Essential range insurance covers all hospital charges, consultant fees, chemotherapy and radiotherapy, any diagnostic checks, physiotherapy and chiropractor fees.

The Comprehensive plan covers all hospital charges, specialist and consultant fees, diagnostic tests, chemotherapy, radiotherapy, scans, physiotherapy, chiropractor, psychiatric treatment, alternative therapies, nursing at home and private ambulance.

These policies may vary from company to company, but most work along the same guidelines.