We would all like to imagine that when we are injured or become unwell, that the best possible treatment will be available to us. In the UK we have the NHS which provides an excellent service, but if you would like to have even more peace of mind it can be a brilliant idea to opt for private medical insurance. Here are the four best reasons to get health insurance.
Faster access to treatment
When you are diagnosed with a medical condition you are then at the mercy of the NHS waiting list as to when your treatment might take place. While the service will always endeavour to be as quick as possible, it can sometimes be months between the point at which you are diagnosed to when you can get the treatment you need.
With private health insurance you will be seen much more quickly which means there is less time both in pain and worrying about the condition. This can be especially important if you work for yourself or find it difficult to have time away from work. If you are injured or diagnosed with a condition that stops you from working it can make things very difficult. Insurance ensures you can be healthy and get back to work as soon as possible.
A broader range of options
You might not be aware of the fact that many drugs and treatments options simply are not available on the NHS. This is because the UK’s national governing body has decided that certain options are too expensive to make them available. Usually these are for fringe drugs that are not deemed to have enough value to the country as a whole.
However, if you have a specific and unusual condition that could benefit from that drug, it won’t be an option for you. With private medical insurance you are afforded a much broader range of options including many therapies and drugs that the NHS doesn’t fund. This can give you that added peace of mind to know that you always have the optimum treatment available to you.
A second opinion
Medical insurance gives you the option of getting a second opinion. When you use the NHS you will usually be relying on the analysis of one GP or perhaps a single specialist in a hospital. With any medical diagnosis it is simply the opinion of the doctor, so if you think you could benefit from a second opinion for another expert, health insurance gives you that option.
It’s also true that when you are on the NHS you will be assigned a surgeon and hospital of their choice. With private medical insurance you will be able to choose them yourself.
A private room
While it might seem unnecessary to have a private room while you recover, you would be surprised at the difference it would make. Aside from enjoying extra privacy as you get better, you are also able to have visitors at any time rather than having to work around the visiting hours of an NHS hospital.