Health Insurance: Pick the Best Protection Plans

The National Health Service (NHS) is one of the best public healthcare systems in the world. With 60 million citizens, the United Kingdom’s NHS is under severe pressure – and the COVID-19 pandemic has highlighted that yet further. The problems facing the NHS are lack of adequate funding, and this results in patients having to wait extended periods for medical care.

While the NHS is a free service, UK taxpayers fund the system. What if you require more urgent medical attention or specialist medical care? Does the NHS serve this the best? That’s why many people have turned to the private healthcare sector for their treatment. Which health insurance protection is the best? How do you choose health insurance coverage? What type of plans are there? Reading reviews from actual customers of their experiences and reviews will help you to make better-informed decisions when it comes to you to select the best care for you and your family.

Private medical insurance fills the gap left by the NHS. With a private health insurance plan, you will receive medical care much quicker, you can choose which doctor and specialist attends to your care, and you will receive more specialised treatments. With a private medical insurance cover, you can choose where to be treated, usually have a private room in a clinic or private hospital, and you will enjoy more benefits too. As with other types of insurances, you need to pay monthly or annual premiums for the cover. Treatment plans vary on your level of insurance protection, and you can add to your policy as many additional treatment plans as you may need. Some health insurance plans offer “cashless care” in that if you attend a partner hospital and doctor you won’t need to pay an excess fee for your care.

To find the best health plan, you need to assess and understand your needs and desires for a medical plan. Then you can find the plan to suit those criteria and requirements. Each plan has limits. For instance, treatments such as for cancer will require specific cancer-related cover.

Each policy is tailored around your needs. They will help you pay for treatments in hospitals and as an out-patient. Plans are determined by types:

• Individual
• Joint Policy: you and your partner
• Family: your whole family
• Children: covers your children only

These fall under two distinct groups:

• Moratorium: this is a type of medical aid cover that excludes most pre-existing conditions
• Full medical underwriting: this excludes medical conditions you may have as pre-existing
• conditions, but may after 2 years decide to cover you for it.

Comprehensive private medical insurance plans cover more areas:

• Cancer treatments
• Dental treatments
• Optician costs
• Pregnancy and Child-Birth costs

Private medical insurance policies have limitations on what they cover. That is where you, as a patient, can return to the NHS for those treatments. These limits and exclusions include:

• chronic illnesses such as HIV/AIDS
• cosmetic surgery
• drug rehabilitation
• pregnancy and child cover (unless added to your policy).