Many people think that because free health care is provided by the NHS they do not need a secondary health insurance. These are usually people that have not yet faced a major health crisis; however, those who have can affirm the fact that secondary health insurance is a very good idea.
If you choose a policy before any medical problems arise, you can often get very low rates that allow you the best coverage out there in the case of an emergency and the best healthcare treatment to help make sure that you are back up on your feet again promptly.
One advantage of choosing to get private health insurance on a basic level is the fact that you will be able to get in to see a doctor promptly instead of having to wait when you are ill. Most of the time the NHS generally has long waiting lists to see a consultant, so while you will eventually get to see a doctor, you can easily wait at a clinic for hours before actually being seen.
When you have private insurance you can choose your own doctor and go to a private clinic, allowing you to be seen on a timelier basis. Another reason to consider a secondary private insurance policy is the fact that the NHS does not approve all treatments and medications for special disorders or specific traumas.
Therefore, you may not be able to get cutting edge treatments if you only have the basic NHS coverage provided by the government. If you are suffering from a disorder that requires this special treatment you will have to choose between paying for it straight out of your pocket or going without and possibly dealing with more pain and side effects then a newer form of treatment could offer you.
However, when you have a private insurance you can combine the coverage so that you are able to take advantage of some NHS treatments and use your secondary health insurance to cover other treatments in private hospitals that otherwise would not be an option.
Given the high price of healthcare, paying an extra small premium on a monthly basis for peace of mind is not such a bad trade-off. Plus, you can always head online to scout out the different medical plans and choose one that fits into your budget easily, while still affording you the extra coverage that you are looking for.
If you are thinking of getting health insurance in the UK get an online quote at medicalsure who have access to all policies from the main private medical insurance companies. Here you will find a comparison tool that will make it easy to input the different types of coverage options that you would like and then offer you a list so that you can compare prices and policies.
By searching with a comparison tool you can easily isolate the best policy for you based on the region you live in and still receive the top quote for your own personal medical needs.