The Importance of Health Insurance in the UK

The Importance of Health Insurance in the UK

Many UK residents don’t think about health insurance. After all, we have the National Health Service. While this is a great public health system, it is still lacking in many ways. Those who want to protect their health should certainly consider private health coverage.

doctors huddling

If you’re in the UK, health insurance may not be your first priority. However, the sudden bills that appear due to healthcare may be difficult for some families or individuals to cover. A good private health insurance policy provides for a range of medical expenses. These include private consultations with a specialist, skipping queues, diagnostic tests and a private room in a hospital.

 

In fact, health insurance is even more important nowadays considering the higher levels of stress in society – which can lend to ill health.

According to studies, individuals without medical coverage attend fewer screenings or pay attention to conditions that could worsen over time. With a good health insurance policy, you don’t have to worry about medical bills should illness or an accident occur.

In addition, health insurance plans can be tailored to your needs. It doesn’t just provide you with quick treatment. The implications of it are far great. You will not only receive quality treatment: in fact, the care and attention you receive could very well save your life.

Just why is health insurance so important in the UK?

It’s always good to have health insurance in the UK – whether or not you are in top health. According to recent reports around 30% of workers in Britain value medical insurance. They believe that it is a huge benefit to employees and a fantastic perk that employers offer. The report also revealed that although employers claim an open-door policy regarding health cover, their employees would rather not make any health issues known to current or prospective employers. This is often for fear that they’ll lose their job, not get one or be denied cover.

A note about pre-existing conditions

It’s usually not a good idea to hide health problems since many health insurance plans come with “pre-existing condition” exclusions. In layman’s terms, it means if you suffer from a condition prior to purchasing health insurance, they’ll see it as a pre-existing condition. The insurance company may then not pay for healthcare concerning the injury or condition. Of course, health insurance policies can vary and some allow a certain amount of time before medical coverage takes effect. Even if you are fully healthy and are not injured, it is best to take out a health plan so you have coverage when it is most needed.

The right health insurance for the UK: Choosing an insurance plan

In general, medical plans are there to cover the entire cost of inpatient healthcare. Coverage regarding outpatient care as and a few other benefits may vary considerably depending on the plan. That’s why it’s so important to consider each option and choose a plan that will help cover you and your family.

Health insurance in the UK: It’s important

With medical insurance, anyone covered under the policy can gain access to high-quality care in emergency rooms, hospitals, private offices and more. Most of the time, you probably won’t have to visit the doctor very often. However, knowing that you’ve got health cover will help to put your mind at ease.

Are you covered yet?