Our NHS is an instantly recognisable institution. With the many stories constantly shown we know that our NHS is in dire need of funding and support. The NHS is suffering not because of the highly trained and capable staff, but because of miss management, people living longer and the pressures of lifestyle changes.
We are not here to criticise the NHS. We are here to offer you an alternative way of receiving your medical care that brings certain advantages. Yes it requires a little investment, but we are here to make it as affordable as we can and guide you through the many policies available.
How does private care differ from the NHS?
Frontline NHS staff do their best in the face of cut backs. Frequent reports cannot be blamed on them. Many NHS hospitals missed targets of 62 days to see cancer patients leaving 20,000 waiting longer in 2014-15. The NHS work to a standard 18 week target time before any wait time to have treatment/surgery.
When making a private medical insurance claim you can normally see a private consultant within days to give you a medical diagnosis. After this any further treatment can happen in days or a week. You’ll have your own room rather than a shared ward and as a rule a much better experience. The NHS is great for emergency situations, but for most of us needing non emergency treatment, this is where a private medical policy can help. Even if being rushed to the NHS as an emergency, it is still possible to move to a private ward/hospital to recuperate.
…and the premiums??
First thoughts are that they are expensive. Premiums are based on age and post code, and with the many variations of cover. Even the least expensive plan will cover you for operations in a private room and full cancer drugs. My advice is to have a quote and we’ll play with the variations until something works for you. Life cover is relatively less expensive and the amount of cover (to help pay a mortgage for instance) determines the premium.