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Why have private medical insurance when we have the NHS?

why have private medical insurance when we have the NHS?Why would you need a private medical insurance when you already have the NHS, surely it’s just throwing money away? Wrong. There are so many reasons as to why it is infinitely more beneficial to have a PMI policy over the National Health Service.

 

Whats wrong with the NHS?

Its not that the NHS is bad, it is quite simply over run and struggling in a big way. Over the recent years the NHS has become more and more drained and as a result, its quality is slipping. A major problem facing the NHS is overcrowding, causing a lack of bed availability and a sharp increase in patient waiting times.

An article published by the BBC (NHS Health Check: Nine in 10 hospitals ‘overcrowded’ this winter) this winter saw a huge overcrowding problem. Around nine in ten NHS hospitals were overcrowded with 137 out of 152 being above the safe level of bed occupancy – the NHS says that 85% occupancy is the safety limit.

This is a big problem for the general public. It means people can be waiting weeks with worry and discomfort before they are able to see their GP let alone receive treatment. It also means there can be a drop in the quality of work done within the NHS. This is not because of bad employees, but simply because doctors and GPs are to overwhelmed that standards can begin to slip.

 

What are the benefits of private medical insurance?

The reason people take out a private medical insurance policy is for peace of mind and the knowledge that should anything ever go wrong, medically, they will be able to being the process of dealing with it extremely quickly. Not only is it much faster than the NHS, it gives you much more control, you decide when you have an appointment and where. Here are just a few other benefits of PMI:

 

  • Fast diagnostic tests – with additional Out-patient Cover, you get the reassurance of a quick and full diagnosis.
  • Higher quality hospitals – receive access to a nationwide network of private hospitals, all with extremely high standards of hygiene and patient care.
  • Privacy – gives you comfort and privacy of your own room, eliminating concerns about shared wards.
  • Quality consultants – receive the best possible care from quality-independently selected consultants.

 

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What are the benefits of having Private Medical Insurance?

Why would you have private medical insurance?

 

priavte medical insurance

Private medical insurance gives you and your family peace of mind. You can get fast access to high-quality treatment when you need it. It also gives you freedom to fix appointments and treatment dates – making it easier to fit in to a busy work / life schedule. In today’s world a service such as this can be invaluable, especially with overcrowding, waiting times becoming a serious problem for the National Health Service.

Medical issues (such as cancer) could cause an extreme financial burden on those not fully prepared. In this sense, private medical insurance can be both a literal and metaphorical life saver. It is designed to cover a multitude of different things such as; the cost of surgery, medical specialists, accommodation and nursing for treatment at either a private hospital or in a private ward of an National Health Service hospital to help you recover as quickly as possible.

The benefits of private medical insurance include:

 

  • No waiting lists – private medical insurance removes the uncertainty of National Health Service waiting lists.
  • Fast diagnostic tests – with additional Out-patient Cover, you get the reassurance of a quick and full diagnosis.
  • Higher quality hospitals – receive access to a nationwide network of private hospitals, all with extremely high standards of hygiene and patient care.
  • Privacy – gives you comfort and privacy of your own room, eliminating concerns about shared wards.
  • Quality consultants – receive the best possible care from quality-independently selected consultants.

 

In essence, private medical insurance is the definition of  peace of mind. People who have taken out a private medical insurance policy live happy with the knowledge that should they ever develop a medical condition they will be seen quickly and treated with the correct medicine without having to pay the small fortune that it could have cost.