We are looking at taking out a comprehensive Medical Insurance plan and wanted to know whether we would be expected to rely solely on our private health plan or whether we can still use the NHS if we wish to?
What does Private Medical Insurance cover?
Private Health Insurance and the services provided by the NHS are designed to work in tandem. Private Medical Insurance is designed to provide cover for treatment of acute conditions, but the NHS will still be required for accident and emergency and the treatment of chronic conditions, as well as GP appointments.
Medical Insurance provides cover for inpatient treatment and depending on the level of cover you opt for outpatient treatment could also be covered. It is designed to bypass NHS waiting lists so you are able to receive treatment when you need it most.
Other benefits can include a choice of consultant and hospital for you treatment.
NHS and private cover working together…
Where private medical insurance falls short the NHS picks up. If you have a basic health insurance plan which only covers inpatient treatment, the NHS will be available for outpatient tests, scans and consultations.
Other areas where your health insurance will not cover you and the NHS will pick up is for treatment of long-term chronic conditions such as diabetes, where the treatment is ongoing. The NHS is also best positioned to deal with emergencies and thus no emergency cover is provided on a private health plan.
When considering Private Health Insurance it is important to review the terms and conditions of the insurers as these do often differ in the level of cover provided and the options available on the policies.
Should you require any guidance please do not hesitate to give us a call on 02074425880 – we’re here to help.