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For many people, private healthcare insurance is something they don't think about until it's too late, when they may already be facing expensive medical bills for treatments or stuck in long queues waiting to be seen at public hospitals. Applying for private healthcare insurance offers financial security as well as peace of mind, as you can rest assured that you will receive a high standard of treatment when you need it most.
Many people receive private healthcare insurance through their employers as part of employee benefits packages, and there may be different levels of cover available depending on your requirements. If your employer offers flexible benefits, you may have the option of increasing the level of healthcare cover at the cost of other benefits you don’t need or sacrificed salary, which could be well worth it in the long term compared to the risk of paying medical fees not covered by a standard policy.
There are several major benefits to private healthcare insurance, compared to relying on public health services. These include the quality of treatments available, as many doctors are specialised in certain fields and will be able to make more reliable diagnoses of conditions, and the improved comfort and privacy of private hospital rooms, if your condition requires overnight stays. You are also more likely to receive medical care faster when going private, and if your insurance is sufficient to cover the treatments, prescriptions and other costs, this higher standard of treatment may not cost you anything.
Depending on the insurance option you choose, you may also be able to benefit from breakthrough drugs and treatments before these become available to NHS patients, such as cancer treatments. Private healthcare hospitals may also be more flexible in their schedules, so you can arrange appointments at a time that suits you, and with a practitioner of your choice.
There are many types of private healthcare insurance offered by different providers, so you should always spend appropriate time researching and comparing different options to find the one best suited to you. If you are relatively young and in a good state of health, you won’t usually need to pay as much in terms of monthly premiums, which can make healthcare insurance more affordable. If you do feel you are being charged too much, you may be able to lower your premiums by making positive changes to your health and demonstrating this reduced risk to your insurer.
The author of this article is a part of a digital marketing agency that works with brands like Bupa. The views and opinions expressed within this article belong to the writer and any reference or summary of Bupa Health Information Factsheets is that of the writers and does not represent Bupa or the information contained within the Bupa website. The contents of this article are of a general nature only and do not constitute specific advice. This article does not take into account your circumstances or needs and must not be relied upon in place of appropriate professional advice.
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