As we all know, these are austere times. Every day we hear news of Government cutbacks, and of course the NHS is affected by all of this, especially with an aging population who are living longer than their parents. People are on hospital waiting lists for longer than they should be or having to wait for consultant appointments. That is why you should consider private medical insurance.
You will find that a private medical policy has a lot of benefits for you and your family. You don't have to worry about waiting for a diagnosis, if you are worried about your health. An early diagnosis can affect the prognosis of illnesses such as cancer, which can be treated if caught on time. Medical insurance can therefore save your life.
You can choose which hospital you want to be treated at, as well as the consultant who will be looking after you. You will have the comfort of your own private room, which also means that visiting hours are much more flexible that on the wards. You will receive specialist one to one care, without anyone else on a busy ward overhearing what your doctor is telling you.
Most policies can also include your spouse and children, giving you that extra security. You can also choose the level of cover that suits you best. There are three main types of cover; low cost cover, comprehensive cover and premium cover.
A low cost policy will just include basic cover, and some conditions may be excluded. Also, you will only be eligible to claim on this if you have been waiting for NHS treatment for more than six weeks, and will not include outpatient appointments.
Comprehensive cover, is, as its name suggests, much more inclusive. You could put in an immediate claim if you are worried about your health. It also includes things not covered by a low cost policy, such as ultrasound scans, x-rays and outpatient and day care appointments, as well as physiotherapy. Some insurers will also allow you to claim for alternative therapies, for example acupuncture.
The most extensive type of policies available are premium policies. In addition to the cover provided by comprehensive policies, extras such as critical illness cover, medical costs if you become ill on holiday and dental cover.
You can find out which policy suits you best by checking on some price comparison websites or just typing 'private medical insurance' on your search engine. It is up to you to choose the level of cover you wish to pay for, but as you can see, the benefits of having medical insurance far outweighs the costs.
You will find that a private medical policy has a lot of benefits for you and your family. You don't have to worry about waiting for a diagnosis, if you are worried about your health. An early diagnosis can affect the prognosis of illnesses such as cancer, which can be treated if caught on time. Medical insurance can therefore save your life.
You can choose which hospital you want to be treated at, as well as the consultant who will be looking after you. You will have the comfort of your own private room, which also means that visiting hours are much more flexible that on the wards. You will receive specialist one to one care, without anyone else on a busy ward overhearing what your doctor is telling you.
Most policies can also include your spouse and children, giving you that extra security. You can also choose the level of cover that suits you best. There are three main types of cover; low cost cover, comprehensive cover and premium cover.
A low cost policy will just include basic cover, and some conditions may be excluded. Also, you will only be eligible to claim on this if you have been waiting for NHS treatment for more than six weeks, and will not include outpatient appointments.
Comprehensive cover, is, as its name suggests, much more inclusive. You could put in an immediate claim if you are worried about your health. It also includes things not covered by a low cost policy, such as ultrasound scans, x-rays and outpatient and day care appointments, as well as physiotherapy. Some insurers will also allow you to claim for alternative therapies, for example acupuncture.
The most extensive type of policies available are premium policies. In addition to the cover provided by comprehensive policies, extras such as critical illness cover, medical costs if you become ill on holiday and dental cover.
You can find out which policy suits you best by checking on some price comparison websites or just typing 'private medical insurance' on your search engine. It is up to you to choose the level of cover you wish to pay for, but as you can see, the benefits of having medical insurance far outweighs the costs.
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