Private Healthcare Benefits


With government measures cutting more deeply every day an increasing number of people are concerned about the future of the NHS. When there is no clear evidence as to how things will develop in the provision of healthcare that is free at the point of delivery, more people are asking about private healthcare benefits. There is a wide range of options in the UK, from company health schemes to private take-up of health insurance. There are certainly some private healthcare benefits that are not available on the NHS, but what these benefits might be depends very much on what kind of scheme you are signed up to or what your policy covers.

Private Healthcare Benefits

What Private Healthcare Offers

When you consider private healthcare benefits you need to bear in mind the fact that private healthcare is a for profit business, which means they will not offer things that could cost them a lot of money in the long term. Most healthcare policies do not cover pre-existing or chronic conditions. Private healthcare is great if you want to avoid the long waiting lists that seem to be part and parcel of the NHS these days. Private medical insurance will cover a short stay in hospital and any diagnostic tests, surgical procedures, drugs and dressings that may be needed. If you want a policy that gives you general all round medical care, including the cost of follow up outpatient's appointments, then you may want to think about a policy with a considerable amount of excess.

Healthcare Policies

While there are many private healthcare benefits to be had, if you want to get the most out of your healthcare insurance then you may want to take out a policy with a fairly high excess on it. Insurance companies are more likely to pay out in certain circumstances if you cover a greater amount of excess, i.e. the initial payment that is not covered by the insurance policy. It is possible to get fairly cheap healthcare insurance but it will not cover things like outpatients appointments. A lot of the healthcare needs of many people are dealt with through outpatient appointments, so you could find that you will either have to resort to the NHS for outpatient appointments, or get yourself more expensive health insurance.

Cover for Your Eyes and Teeth

Private healthcare benefits are fairly obvious when you have a healthcare policy that is designed to cover optician's and dentist's costs. Policies pay out a certain amount each year and you can put that money towards the healthcare needs of your choice. People with families may decide that having cover for any dental and optical costs will save them a lot of money over the years, which makes this type of policy a good option. While policies may not cover the whole of the costs for dental and optical treatment, a sum of money towards these costs can certainly help to lessen the burden and may only cost you a few pounds a month.


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