Private Healthcare in the UK


For many years people in the UK relied on the National Health Service for all of their healthcare needs. In recent years there has been a rise in the number of companies offering private healthcare costs as part of an employment package and a growing number of people now have some form of private healthcare that they pay for themselves. Private healthcare in the UK is extremely varied and while most policies will cover you for a stay in hospital, they do not allow for the four out of five GP referrals that result in outpatient treatment. It's fair to say that to some extent, private healthcare in the UK is seen as supplemental to the care that everyone is entitled to under the NHS.

Private Healthcare in the UK

What Do You Expect From Private Healthcare

You need to be sure about what you want or expect from a private healthcare package before you go looking for it. You may find that a lot of private healthcare in the UK will not cover everything that you might like it to cover. If you have a chronic condition such as diabetes or asthma you will find that most insurers will not cover you for such a condition. There may be some companies who will cover you for hospital stays when you have a chronic condition but not for the general care and medication that you may require the rest of the time.

Problems with Outpatient Treatment

You may find that it is difficult to get private healthcare in the UK that covers you for ongoing treatment as an outpatient because it is not cost effective for the company. If you are of pensionable age then you may find it quite hard to get any kind of private healthcare in the UK if you do not already have private cover. The fact is that as we get older we are more likely to develop ongoing health problems that are difficult and expensive to treat and thus seen as a bad risk for the insurance companies.

Finding Private Healthcare in the UK

There is a growing number of private healthcare providers in the UK and finding the one that is right for your particular needs is not an easy matter. You can try the online comparison sites for private healthcare in the UK to see what they come up with, but probably your best bet is to seek the services of an insurance broker. It is worth using a broker because they will be familiar with what the insurance companies have to offer and what the best deal for your particular needs is.

Getting Better Provision

If you are looking for private healthcare in the UK where you are covered for almost every eventuality, then you may need to go for a policy that has a high excess attached to it. If you can afford to pay the first four or five thousand pounds of treatment yourself, then you may find that a healthcare provider is more inclined to give you a wider level of cover than might normally be the case.


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