The National Health Service has provided free and heavily subsidised health care for over 70 years. Though it provides excellent health care, many people choose to pay for private health insurance to give them access to private hospitals and cut down on time spent waiting for treatment. But how does private health care workers in the UK? Let’s find out.
What Type Of Health Care Is Available?
Private health care services in the UK offer a complete range of care services for both in-patients and out-patients. They can be used to complement NHS services or can act as an alternative health care provider.
One of the most common reasons to use private health care, private hospitals, and clinics is for cancer care services. Private health care providers like the Circle Health Group have private hospitals and care centres up and down the country that can offer cancer care services, including diagnosis, treatment, and support.
Private hospitals and clinics can be used for nearly any kind of health care, though there may be limits on what a private health insurance policy covers care. Many private health care providers can offer finance arrangements to help patients spread the costs of an operation, hospital stay, or treatment.
Does Private Health Care Replace The NHS?
The National Health Service (NHS) provides comprehensive health care at no cost to the patient at the point of service and greatly subsidises prescriptions and medical equipment costs. The NHS can always be used as a health care provider, even by people with private health insurance.
Private health care providers do not offer accident and emergency care. This means that in the event of an emergency, people with private health insurance will still need to use NHS-provided care at an Accident and Emergency Unit.
People with private health coverage can use private clinics and hospitals for recovery and rehabilitation after emergency treatment. This may include in-patient care or outpatient care for physiotherapy, for example.
What Are The Benefits Of Private Health Care?
Private health care comes with a range of benefits over the nationalised health care provided by the NHS. Though there are added expenses and costs associated with private health insurance, for many people, the advantages of private health care mean it provides excellent value for money.
The biggest benefit that comes with private health coverage is quicker treatment. Many people have experienced long waiting times for routine treatment at NHS hospitals. This can often mean weeks or months of chronic discomfort, as well as the anxiety and stress caused by waiting before they receive the treatment they need.
Some people even experience repeated delays, as they fall further down the waiting lists as more urgent cases take precedent over them. Private health care can provide treatment quicker than the National Health Service.
Choices are also a major benefit that comes with private health care. The health care provided by the NHS often gives patients a very limited choice of hospitals and doctors to use. Private health care providers have dozens of hospitals for patients to choose from, and a range of doctors and surgeons to consult with.
Private health care also comes with private hospital rooms that many people prefer over the experience of a hospital ward.
How Do You Get Private Health Insurance?
Anyone can apply for private health care coverage. There is a range of plans available from many different providers and insurers. Your employer may offer a private health care plan as a part of their employment package.
Most people opt for a comprehensive cover package which covers a long list of treatments. There are cheaper policies available that only cover a limited range of treatments, often excluding coverage for expensive medical care for ailments like cancer and psychiatric treatments. There are also private health care policies that only cover specific areas of care, such as dental care or optical health care.
There are many different insurers and providers, giving you the opportunity to shop around and find a policy and price that suits you and your needs. You can find couples and family healthcare policies too, allowing you to ensure your loved ones experience the same level of health care as you do.
How Much Does Private Health Care Cost?
The costs of private health care will vary a lot depending on your current medical condition and your medical history. The level of coverage you choose will also affect the costs.
Health care cover will increase in cost as you get older, and smokers and people who are overweight will also have to pay more. This is to offset the increased risk of medical problems and chronic diseases associated with smoking and being overweight.
There are lots of reasons to consider private health care even with the treatment provided by the NHS. It can be a cost-effective way to ensure you and your family receive the highest level of care available without having to wait for treatment.