Can I choose where I am treated/my private hospitals?

There are three different options you can choose: Essential, Countrywide and Extended Hospital Lists. Essential lists tend to help lower your premium and covers you to stay in NHS private patient units along with your local private hospitals. The Countrywide list extends the coverage of the Essential list, giving you access to private hospitals and clinics. The Extended list gives you access to the widest access including London private hospitals.

What is the difference between the NHS and Private Health Insurance?

As a nation we are fortunate to have a publicly funded health service, giving everyone access to treatment at little to no cost. Due to increasing pressure on the NHS, many people now face long waiting lists and delayed or cancelled treatment. Whilst receiving private treatment you will not face long waiting lists for treatment, in fact you are likely to be seen within a week or so. Health Insurance offers you access to a choice of hospitals and treatment times that suit you, with overnight stays often being in a private room. More on the NHS and Private Medical Insurance here.

Can I get cover for cancer treatment should I be diagnosed?

Health Insurance gives you access to the latest cancer treatment, as well as medication and procedures that don’t tend to be obtainable on the NHS. Private cancer care is intended to make your treatment as comfortable as possible by making chemotherapy at home an option, along with home nursing.

Can I get cover for my pre-existing condition?

Long NHS waiting lists and cancelled or delayed procedures are a common motivation for initial enquiries into Health Insurance. Depending on the condition, it is unlikely it will be covered on your plan. Although, if you have a pre-existing condition speak to one of our expert advisors as different underwriting options may suit your needs.

The Top Benefits of Quitting Smoking

We all know that every cigarette packs a punch of harmful chemicals, with each puff posing potential long-term risks to our health. And it's not just about the lungs; smoking affects nearly every organ in the body, increasing cancer risks and affecting everything from your immunity to your heart health. But there's good news: the moment you decide to stop smoking, your body begins its journey of healing and rejuvenation.

From the short-term changes to the lasting effects, understanding the benefits of quitting smoking can serve as a motivating force for those considering giving up the habit. In the following blog, we’re going to explore the effects of quitting smoking on the body, whether you’ve been a smoker for 10 months or 10 years. Let’s take a look!

Enhanced Lung Capacity

In as little as one week after quitting smoking, you will start to notice a significant improvement in your breathing. This is because the tiny, hair-like structures in the lungs called cilia, which are damaged by smoke, begin to function again, helping to clear out mucus and reduce the risk of infections. For those who wonder about the state of "1 week smoke-free benefits", improved lung function is one of the most immediate and gratifying.

Financial Savings

The monetary costs of smoking add up quickly, and with the average packet of cigarettes in the UK now at a staggering £12.61 (and rising), calculating the daily, monthly, and yearly expenditure on cigarettes can be an eye-opener. By quitting, not only do you reap the health benefits, but you also save a considerable amount of money which could be better spent on holidays, clothes, or even simply bolstering your savings.

Plus, if you have private healthcare insurance, quitting smoking can improve your overall health, which can also mean reducing the amount of claims you make; this can in turn mean saving money on your excess.

Cardiovascular Health Boost

Smoking is a major risk factor for cardiovascular diseases like heart attacks and strokes, but did you know that when you stop smoking, your heart rate and blood pressure begin to drop to more normal levels within just 20 minutes? Plus, within a span of a year of quitting smoking, your risk of a heart attack is cut in half.

Reduced Risk of Lung Cancer and Other Diseases

If you’re a long-term smoker and ever caught yourself wondering: "how long does it take for lungs to heal after 10 years of smoking?" - you’re not alone. While damage to the lungs is significant after a decade of inhaling tobacco, the benefits of quitting smoking at any stage are undeniable. Within ten years of quitting, the risk of dying from lung cancer becomes about half that of a person who is still smoking, while the likelihood of developing other forms of cancer, such as mouth, throat, oesophagus, and bladder, also decreases.

Brighter, Healthier Skin

Aside from damaging the inside of our bodies, smoking also does a number on our physical appearance, particularly when it comes to our skin; smoking speeds up the natural ageing process, leading to premature wrinkles and a dull, sallow complexion. The reduced blood flow deprives the skin of oxygen and essential nutrients, while quitting smoking reverses this; within weeks, improved blood flow can result in a clearer, more youthful complexion.

Enhanced Physical Performance

Ever wondered why smokers tend to get winded more easily than non-smokers? Smoking reduces the amount of oxygen that gets to the muscles, leading to reduced performance and a slower recovery time. Once you quit, your body's oxygen levels begin to normalise, allowing for better endurance, quicker recovery, and overall improved physical performance.

Improved Fertility and Healthier Pregnancies

For women, the effects of quitting smoking extend even to reproductive health: smoking can make it harder for women to conceive and can also lead to complications during pregnancy, especially when compounded with other reproductive issues such as Polycystic Ovary Syndrome (PCOS). By quitting smoking, your chances of conceiving increase, and all risks associated with premature birth, low birth weight, and miscarriage decrease.

Protection for Loved Ones

It's not just the smoker who's at risk; secondhand smoke is a silent predator, affecting those in the vicinity of the smoker, especially children and pregnant women. By quitting smoking, you’re not only safeguarding your health, but you're also reducing the exposure risk for your loved ones. Children exposed to secondhand smoke face a higher risk of respiratory infections, sudden infant death syndrome (SIDS), and asthma attacks, so giving up smoking can help ensure a safer environment for them.

Boosted Mental Health

Often, smoking is linked to mental health conditions like depression, anxiety, and stress, and while some believe it offers relief, in the long run, nicotine dependency can exacerbate these conditions. Research suggests that people who quit smoking experience a reduction in anxiety, depression, and stress, and often have a more positive mood and an improved quality of life compared to those who continue to smoke.

Enhanced Immune System

DNA Virus Wide

Finally, the immune system is adversely affected by the toxins in cigarettes, making the body more susceptible to infections; by giving up smoking, your body's ability to fend off colds, flu, and other infections is significantly bolstered. A stronger immune system not only means fewer sick days but also a more active and vibrant life.

The Bottom Line

Ultimately, to fully understand the effects of quitting smoking, it’s important to look at the range of physical, mental, and emotional improvements that come with it; it’s not just about saving money or improving your lung health, it’s about stopping and reversing the years or decades of damage that smoking can do to your body.

For those on the fence or those wondering what happens when you stop smoking (or if it’s worth it at all), the above benefits serve as a testament to the body's remarkable ability to heal and restore itself. The path to a smoke-free life might be challenging, but the rewards are innumerable and 100% worth it.

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