In the UK we are fortunate enough to have access to a world leading and renowned National Health Service. However, although the Government are spending more on the NHS both in numbers and proportion of public spending, an ageing population and increasing demand for urgent treatment is putting more and more pressure on the service provided. So, should I consider taking out my own Private Medical Insurance? What are the benefits to me?
#1 Waiting Times
Private Medical Insurance largely eliminates the NHS phenomenon of “waiting times”. Once a claim has been verified, you can see a specialist or surgeon quickly and at a time convenient to you. A recent BBC article (http://www.bbc.co.uk/news/health-38887694) highlighted that only about 90% of visitors to A&E Departments are seen to and treated in the stated 4 hour period. Waiting times can run into many months for non-emergency treatments and surgery.
#2 Private Room
One of the major benefits of having Private Medical Insurance is that once you have been admitted to a hospital, you will often benefit from having your own room. This not only allows you privacy, but also allows you to have visitors as and when you like, and it also allows you to rest when you need it most.
#3 Choice of Hospital and Surgeon
Hospitals are not the greatest places in the world at the best of times so in the unfortunate circumstance that you have an illness or an injury, you want to ensure that you are being treated in the best environment possible. Whether this is one of the best hospitals in the world or a hospital that is close and convenient for you as the patient, private medical hospital lists give you the freedom to choose where you’ll be treated.
If you have been told that you need surgery, it always helps to know who will be operating on you. Whether you have had a family or friend recommend a particular surgeon or through your own research you have a preference of surgeon, Private Medical Insurance gives you an element of freedom to choose your surgeon from a leading specialist in their field that doesn’t exist with the NHS