People are now choosing to take out health insurance to ease the worries that often occur when you’re poorly.
Concerns such as:
- Waiting for weeks to see a consultant through the NHS
- Being stuck on a waiting list for surgery
- Having discomfort and pain and not knowing when you will be treated
- That your condition may worsen whilst waiting for treatment on the NHS
- Access to life saving drugs that are not on the list of NICE (The National Institute for Health and Care Excellence) NHS approved medicines.
Importantly take advice on the most suitable cover for your circumstance and have it fully reviewed every year. This falls into three categories:
- Budget medical insurance: With this type of policy, normally only inpatient and day care treatment is covered. Outpatient costs such as consultant fees and diagnostic tests are usually excluded.
- Standard medical insurance: This type of policy covers the same as a budget policy but in addition offers a fixed amount of outpatient cover covering consultations and diagnostic tests. MRI/CT/Pet scans, radiotherapy & chemotherapy are covered as usual. Complementary medicine such as physiotherapy; osteopathy, visit to a chiropractor and homeopathy can also be added of required.
- Comprehensive Medical Insurance: These policies are very much the top of the range offering full cover, usually without any monetary limits on the outpatient cover together with full inpatient cover. MRI/CT/Pet scans, complementary medicine and many other benefits are included. The comprehensive plan would be an excellent choice if you require complete peace of mind.
It is important to choose the right product that best suits your own needs and budget.