PR & Communications
It only takes a day of suffering with illness to bring sharp focus to the immeasurable value of health. Yet unlike our home, car and even our pets, it is not second nature to insure for our own private healthcare. In a country with a National Health Service that is free at point of use and is somewhat treated as a national treasure, this may seem fair enough, but could we be over-looking the additional benefits and peace of mind? We take a look at why now, in this new decade, it could be more relevant than ever to consider private health insurance.
“An in-depth guide to everything you need to know about PMI. Don’t forget if you don’t have time to read everything, one of our friendly, expert advisers are on the end of the phone to do all the hard work for you.”
Health Insurance is designed to give you and your family peace of mind and help when you need it most. Whilst the NHS continues to do a remarkable job, the increased need for their services has led to longer waiting times. People in need of treatment face long waiting lists, whilst also being unable to work due to their illness, leading to further financial difficulties.
Due to an ever-growing NHS waiting list, many people in serious need of medical care are having to wait weeks before they can be seen. Certain conditions may restrict you from being able to work, leading to financial stress. Private Health Insurance ensures quick treatment and care when you need it most, meaning you can get back to work as soon as possible.
You pay a monthly or annual premium depending which you opt for. When you feel unwell you can either visit your NHS GP or use a digital GP in order to get a referral. When you have obtained a referral, you can call your insurance company to make a claim and be guided on your next steps. If you opted to pay an excess to reduce your premium, this will also need to be paid when claiming.
The hospitals you have access to will depend on the hospital list you chose when you started your policy - these will all be listed in your policy documents.