Many of us have asked ourselves this question, perhaps when sat in an overcrowded NHS waiting room or after receiving notification that the operation we are waiting for will not take place for at least another month or so. The fact is that if you want fast medical treatment, a consultant with a specialist or need an operation and you want it on your terms then, yes you really do need private medical insurance.
The purpose of private medical insurance is to provide you with cover against unforeseen or unexpected health problems that occur after the start of your policy. Your policy is not intended to cover conditions which you already have before your policy starts - these are called pre-existing conditions. Conditions that are related to pre-existing conditions are also usually not covered.
Before you sign up for any health insurance policy you may be required to complete a medical declaration, detailing all past health related issues as well as identifying any current medical conditions. Some health insurance companies may consult your GP for further information so it is vital that you are honest with your medical insurers from the very beginning to clarify what will be covered in the future.
Another reason why it is important to have private medical insurance is that private healthcare providers give you more choice when it comes to when and where you are treated. Most companies offer treatment at a wide range of private hospitals throughout the UK enabling you to select a hospital of your choice and at a time that best suits you.
Having an active input into your medical treatment can remove a huge weight from you shoulders because if you are ill and need some form of treatment than you will be seen quickly and in surroundings that are comfortable. Flexibility is key, especially in terms of yourself and your loved ones. Additionally some health insurance packages can be tailored to suit your needs and budgets, leaving you safe in the knowledge that should you require medical treatment, you are taken care of. |
Added: Fri Oct 03, 2008 4:27 am GMT 