Health Insurance
Health Insurance, also known as Private Medical Insurance, provides many potentially life-saving benefits. One of the main reasons people take out health insurance is to access the most advanced treatments quickly and affordably through the private health care system. With COVID-19 putting increasing strain on the NHS, waiting times are at an all-time high, and this is only expected to get worse in 2021 as the NHS struggles to cope with a backlog of patients.
Having health insurance can mean you’ll be able to afford private medical care whenever and wherever you need it. You’ll still retain your right to use the NHS, so having private medical insurance allows you access to both systems – giving yourself and your family the best possible chance of a comfortable, quick, and smooth recovery should you ever become ill.
Use our FREE insurance service to make sure you and your family are fully protected. We’ll advise you which policy is right for your situation, and we have access to all providers, meaning we can find a deal that suits your needs perfectly. We also arrange your policy for you quickly and easily – and we do all this completely free of charge!
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Why do people get Health Insurance ?
More people are turning to the private health care system to ensure they get the treatment they need in a timely manner. Having health insurance can make this more affordable, so let’s take a look at some of the benefits in more detail below.
Reduced waiting times with access to instant medical care
NHS waiting times can be weeks or even months, and this is set to be a real concern as hospitals work through a huge backlog of patients caused by the Coronavirus pandemic. For many conditions, starting treatment quickly can increase the chance of a smooth recovery. Health insurance can allow you to ‘jump the queue’ and seek instant medical care through the private system.
Access to drugs & treatments not available on the NHS
The private health care system often deploys the latest treatments quicker than the NHS, and some specialist treatments are only available privately due to the cost. This means having health insurance can give you access to the latest therapies and medicines to optimise your recovery should you ever become ill.
Afford private treatments that may otherwise be unaffordable
Paying for private health care without insurance can be extremely expensive, putting specialist treatments out of reach for many people. Depending on your health insurance policy, your provider will cover all or part of your costs, making private medical care more affordable.
Able to choose your preferred surgeon & hospital
With the NHS you have little say in when and where you receive treatments and who performs them. The private system allows for much more flexibility, meaning you can potentially choose the best surgeon, consultant, and clinic to suit your situation.
Access to a private room & personalised care
With health insurance, you can generally request a private room rather than a crowded, mixed-sex ward, and your care is often more personalised than it would be through the NHS.
Having a preference for the private health care system over the NHS
There’s no question that the NHS is a respected and valuable UK institution that we should all feel lucky to have access to. But many people prefer to use the private system, or at least to complement their NHS treatments with private care to maximise the chances of a quick and smooth recovery.
Quicker access to physiotherapy and certain aftercare
Receiving rehabilitation therapies in a timely manner is crucial for many conditions. However, due to the strain on the NHS, there are often delays in getting the aftercare you need. Private Medical Insurance can give you access to world-class physiotherapy quickly to aid your recovery.
The Bottom Line
Having health insurance may be more beneficial now than at any time in recent history. The NHS is set for another tough year in 2021, meaning many more patients will be excluded from receiving the care they need when they need it. Taking out private medical insurance will give you the peace of mind that you and your family will be taken care of no matter what life throws at you – with access to the most advanced therapies instantly and affordably.
At Michael Usher Mortgage Services, we have a team of qualified insurance specialists ready to answer your questions and help you find the right policy for your situation. Our insurance service is completely free of charge and can be accessed remotely via video call. Book a FREE appointment to get started. We look forward to helping you!