HEALTH INSURANCE | BUYING | THINGS YOU NEED TO KNOW
MYTH BUSTER: Private Medical Insurance is too expensive... Or is it?
Would you like to be seen right away, rather than be put on endless waiting lists?
Would you like to limit unpaid sick days AND protect you and your family?
Are you worried that Medical Insurance is too expensive and you won’t be able to afford it?
What would you say if I told you, that you could get Private Medical Insurance for as little as £29.50 a month? That's £7.37 a week!!
The Situation
The NHS is an amazing resource and dearly beloved by British public, and rightly so. However, with the population growing exponentially, the pressure on the NHS to keep up with demand has become relentless.
Under the NHS you have no concrete treatment times. Meanwhile, their waiting lists are only getting longer.
“We are now struggling to meet the standards and timeliness of care that the public rightly expect,” said Cliff Shearman, Vice President of the Royal College of Surgeons.
Here are a few eye-opening stats for you…
Under the NHS you have no concrete treatment times. Meanwhile, their waiting lists are only getting longer.
“We are now struggling to meet the standards and timeliness of care that the public rightly expect,” said Cliff Shearman, Vice President of the Royal College of Surgeons.
Here are a few eye-opening stats for you…
- In 2019 the number of over-65s passed 11.9 million – 18% of the UK’s population. There are more patients to care for. Fewer workers to pay for it.
- Only 38% of NHS trusts met it's 62 day waiting time target for referral to treatment for cancer patients in 2018/2019.
- In 2019 the registered number of patients per GP in Bradford City CCG stood at 2,886 in comparison to an average of 1,800 patients per qualified specialist back in 2017. The population is rising. GP numbers are falling.
- The current waiting list for consultant-led treatment stands at 4.57 million people; 44% more than in 2015
- One in five NHS GPs work more than 60 hours per week in order to keep up with demand. The average wait time to see a doctor is expected to hit 3 weeks.
“Waiting longer creates prolonged pain, uncertainty, and immobility for patients and is stressful for them and their families, especially those who may be very ill or in significant pain,” says Ian Eardley the former VP of RCS.
GP shortages… Overcrowded surgeries… Backlogged waiting lists… Doctor strikes… Nurse strikes…
GP shortages… Overcrowded surgeries… Backlogged waiting lists… Doctor strikes… Nurse strikes…
Benefits of Private Medical Insurance
There are many benefits to getting Private Medical Insurance that could revolutionise your healthcare. The NHS is an amazing resource and dearly beloved by the British public, and rightly so. However, with the population growing exponentially, the pressure on the NHS to keep up with demand has become relentless.
The sad fact is, the NHS is struggling and we need other alternatives.
Going private is the best alternative, and here are a few reasons why...
The sad fact is, the NHS is struggling and we need other alternatives.
Going private is the best alternative, and here are a few reasons why...
How much does it cost?
Well, that depends on the treatments you want to be covered, plus the number of hospitals you want available to you. But most patients are pleasantly surprised because you can tailor your insurance to your specific circumstances.
For instance, do you have any savings?
For instance, do you have any savings?
This means you pay a set percentage of your health care up to an agreed amount. Here’s a quick example:
Suppose you took a shared plan where you pay 25% with a £1000 limit. You would pay 25% of your health care until you have racked up £4000 of medical expenses. By this time, you have hit your £1000 limit. Anything extra is 100% covered by your insurer. If you have some spare cash, a shared plan could cause your premium to plummet.
You could also cut out therapies and treatment options you don’t need. Of course, you should be careful with this. You don’t want to exclude too much.
But cutting therapies – like physiotherapy – is a sensible way to lower your premiums. Excluding outpatient care can also dramatically cut your costs
Suppose you took a shared plan where you pay 25% with a £1000 limit. You would pay 25% of your health care until you have racked up £4000 of medical expenses. By this time, you have hit your £1000 limit. Anything extra is 100% covered by your insurer. If you have some spare cash, a shared plan could cause your premium to plummet.
You could also cut out therapies and treatment options you don’t need. Of course, you should be careful with this. You don’t want to exclude too much.
But cutting therapies – like physiotherapy – is a sensible way to lower your premiums. Excluding outpatient care can also dramatically cut your costs
Are you self-employed?
Remember, this makes you a safer bet for insurers.
You can’t afford to stay out of work long. Nor do you want to. So you can often get a better deal.
If you’re a limited company, you can also write off your insurance as an expense. You recoup some of the cost of tax savings.
And it costs relatively little to add your relatives to your policy. You protect them under the same umbrella of care.
You can’t afford to stay out of work long. Nor do you want to. So you can often get a better deal.
If you’re a limited company, you can also write off your insurance as an expense. You recoup some of the cost of tax savings.
And it costs relatively little to add your relatives to your policy. You protect them under the same umbrella of care.
How does the process work?
You’re assigned a 100% impartial and confidential advisor. They will call you for a one-on-one, discovering your specific needs and circumstances, totally free of charge with no obligations.
Once they understand your situation, they find the policy which suits YOUR needs and YOUR affordability.
They consider large providers, such as BUPA, Aviva, AXA and Vitality. Plus smaller, less-known insurers who cover more specialised needs.
Your premium could be lower than if you approach them alone because UK Health Insurance sends them so much business.
And since their commission comes from the insurer, you don’t pay a penny.
So why not arrange yours today?
Once they understand your situation, they find the policy which suits YOUR needs and YOUR affordability.
They consider large providers, such as BUPA, Aviva, AXA and Vitality. Plus smaller, less-known insurers who cover more specialised needs.
Your premium could be lower than if you approach them alone because UK Health Insurance sends them so much business.
And since their commission comes from the insurer, you don’t pay a penny.
So why not arrange yours today?
