It seems like a bit of a luxury in a country with a free health service so, if its not already part of your work benefits package, is it worthwhile taking out Private Medical Insurance?
In-patient treatments like tests and surgery are covered and more comprehensive policies will also cover outpatient treatments with specialists and consultants.
What’s typically not covered?
- Pre-existing medical conditions
- Organ transplants
- Illnesses like HIV/AIDS, diabetes and hypertension
- Childbirth costs
- Cosmetic Surgery
What are my other options?
One approach is to use our health service for what you can and to self insure up to a point allowing for more serious things to be dealt with as needed.
- Pay for private consultation: if you want to benefit from the NHS but want a second opinion or similar then just go and get one.
- Pay for your treatment yourself: your GP can point you in the right direction if you want to pay for a scan (an MRI can be around £600) to hurry a process along. This might prove that you need immediate treatment and might be inclined t pay for it yourself or your issue could be less time sensitive allowing you to wait for the NHS treatment.
So really it’s up to you. If you can afford PMI and you feel you would benefit from it then get it, but make sure you read your policy documents carefully to ensure you are covered for what you think you are.