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Private medical insurance has lots of benefits, some of which are often overlooked. Alongside the obvious services that the NHS provides for free, private medical insurance will pay for most of your medical bills if you decided to be treated privately. Private medical insurance gives you choice when it comes to the future of your health and your family’s, providing you with options for the level of care you get and how it is provided. Although you don’t have to take out private medical insurance, you may want to consider it if you’d like to make sure you can get on the road to recovery sooner should something happen.

Why go private?

Knowing whether or not you and your family would benefit from a private medical insurance policy can be a challenging decision to make, however, for some, there are certain benefits that this type of policy has to offer that truly stand out. Like all insurance, the cover that you acquire will all depend on the type of policy that you purchase. The most basic private medical insurance policies will usually pick up the costs of most in-patient treatments and day-care surgery. Some private medical insurance policies can extend to out-patient treatments and might pay you a small fixed amount for each night you spend in an NHS hospital.

It is important to note that private medical insurance won’t cover private treatment for things such as organ transplants, cosmetic surgery and chronic illness, however, some policies will cover you for conditions such as mental health, depression and sports injuries. Choosing a private medical policy is a personal choice and for some, the free treatment provided by the NHS is more than sufficient. If you’re looking to be treated privately, want to jump treatment waiting times or are looking for specialist surgery and treatment, private medical insurance is just what you need.

The private policy pros

There are endless benefits to taking out private medical insurance. This kind of policy will give you access to the best medical treatment available to make your recovery a swift and simple one. With specialist referrals, reduced waiting times, and choice when it comes to your surgeon and hospital, you can make sure that your treatment is top notch, readily available and easily accessible. Private medical insurance will also ensure that you get access to scans, a private room and specialist drugs and treatments that aren’t always offered on the NHS. With private medical insurance, you can also ensure that your healing and rehabilitation isn’t overlooked; you can get quicker access to physiotherapy sessions if you have private medical insurance.

The drawbacks of a private policy

Just like all insurance policies, private medical insurance does have some drawbacks. It’s key to note that private medical insurance isn’t always cheap. As you get older, the cost of your policy will increase which means that when you are more likely to need hospital treatment with age, it may not be as easy to afford. It’s important to understand that even though private medical insurance grants you access to your choice of hospital and surgeon, there might not always be any local treatment options, which could make treatment less accessible for some. It’s also key to note that most policies don’t cover chronic illnesses such as diabetes and some cancers which could limit your access to treatment and cover. If you have a serious illness such as cancer, heart disease or stroke, you’ll get priority NHS treatment, so private medical insurance isn’t always cost-effective.

How can Protectus serve you?

When it comes to finding the perfect private medical insurance policy, we want to offer you peace of mind. We’re here to navigate the market of policies to help you choose the most affordable and flexible cover to fit your family’s needs. Holding a one to one discussion, we get to know exactly what you’re looking for and answer any queries you may have to ensure you have a full understanding of the unique underwriting of your policy. If you’re leaving a company scheme, we can also look at obtaining your continuation of cover without any further underwriting, to make way for a smooth transition.

We recognise that the good health of you and your family is a priority, that’s why we make it our top priority to find you the private medical insurance policy that suits the needs of you and your loved ones. Get in touch for guidance that will go above and beyond for your family’s future.