Benefits In Obtaining Private Medical Insurance UK

2007-03-08 10:33:40

( Health )



In the UK, when medical treatment is required, there is a need to contact the NHS (also known as the National Health Service) to request for an appointment to be allowed to seek free medical advice and/or treatment. Sometimes appointment queues to see a general practitioner are so long, that you need to wait for months in order to be treated. This is usually due to NHS understaffing problems.

Private medical insurance UK allows you to obtain immediate medical treatment from a doctor at the hospital of your choice, based on the list of hospitals given by the private health insurance provider.

Private medical insurance UK normally includes coverage for the treatment of minor medical conditions. It also covers the payment of hospital accommodation including the services of a nurse, hospital tests and in-patient or day-patient surgery. Depending on the type of private medical cover you purchase, private medical insurance UK also sometimes include private medical cover when traveling, out-patient consultations, out-patient diagnostic tests and any treatment obtained from NHS hospitals.

Private medical insurance UK normally does not pay for the professional fee of a GP (general practitioner), any emergency treatment, treatment from any accidents and pre-existing conditions (i.e. any medical conditions which existed before you obtained your private medical insurance). Any medical treatments for AIDS/HIV, cosmetic surgery, infertility, normal pregnancy, and kidney dialysis are also not covered. Any injuries sustained from hazardous pursuits such as car racing, injuries that are self-inflicted, drug abuse, organ transplants, sex changes, or mobility aids are excluded from private medical coverage.

There are two types of private medical insurance UK:

A standard coverage can cover you for in-patient and day-care treatment. Sometimes it can even include treatment after you have been hospitalized, emergency treatment for dental conditions, nursing services at home and pregnancy complications. It excludes monthly pregnancy visits to the GP and dental expenses.

A comprehensive coverage will provide you with a higher annual coverage limit, as well as coverage for treatment as an outpatient and services of certain specialists. Anything covered by a standard coverage is also covered by a comprehensive coverage.

If you obtain private medical insurance coverage, you should obtain quotes form different companies to see which one can provide you with the most beneficial package. You can choose to pay your premiums on an annual, quarterly or monthly basis.


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