AUDI Experience

A brief overview of the benefits of health insurance

With the National Health Service stretched quite as much as it is at the moment, now may be a good a time as any to consider private health insurance. There are many different healthcare plans to choose from but most would include at least some of the following features

• 24 hour access to a confidential telephone line providing medical information and manned by health care professional staff every day of the year
• Private in hospital treatment whether as a day patient or for one or more overnight stays, this could be in one of a number of private hospitals located throughout London the United Kingdom
• Cover for anaesthetist fees for in patients or for day patients
• Cover for minor surgical procedures as an outpatient
• Some radio therapy and chemo therapy treatments
• Ambulance transport if needed to be transferred between hospitals
• Accommodation for parents of children requiring treatment
• CT scans, MRI scans and PET scans at nominated scanning centres located throughout the United Kingdom

As well as the essential cover detailed above there are usually several other optional extras to choose from

• Standard outpatient cover to include diagnostic tests and clinical practitioner charges usually up to the value of £1000
• More comprehensive outpatient cover to include diagnostic tests and clinical practitioner charges up to an unlimited amount
• Therapeutic charges from a complementary practitioner or a physiotherapist usually up to an annual charge of £1000 this usually means 10 sessions of treatment during any one year
• Some cover for cancer investigations and treatment

Private health insurance can offer so many benefits in so many ways. Say for instance a loved one or family member suddenly became ill or was injured in some way, private medical insurance would allow access to the most up to date diagnosis and treatments. Most procedures and appointments can be allocated at a convenient time to most suit the patient.

The whole aspect of private health insurance can give peace of mind and avoid the necessity for waiting in a long line of people for an appointment within an already over stretched National Health Service. Private health care can run alongside the National Health Service by helping to alleviate some of the queues and waiting times.

Some work places even offer a Private healthcare scheme within their companies. These can be a real asset to any employee as often immediate family members can also be included for cover on some health insurance policies.

Most policies are likely to be tailored to suit individual requirements where possible, this is more likely to entice people to take out the particular policy option to suit their medical needs and their general lifestyle.

There is often a No Claims Bonus scheme as with many different types of insurances and also different options when it comes to choosing the level of excess payable.

Many private health insurances can be quoted for and purchased online. This makes them even more accessible and easier to research to get the best deal suitable for individual needs.