Why is it important to have private medical insurance?
Today’s health insurance industry has a wide range of products available and it is easy to get access to various policies that you may require and private medical insurance is one of the most popular insurance and is currently in very high demand.
Private medical insurance is handy if you find yourself in a situation where you require fast specialised care and treatment from a particular hospital. If you have private medical insurance then you can usually get treatment carried out by a specialist of your own choice.
Private medical insurance is not expensive and not only for the rich and wealthy. Private medical insurance is available at affordable pricing through many different specialist insurers.
There are a lot of benefits by taking out private medical insurance either for yourself or your family. It is also perfect for the elderly who may require specialist and sometimes urgent medical attention. One of the major benefits of taking out private medical insurance is that it makes it easy for you or your family to get private medical treatment at any time it is required.
When you take out private medical insurance you will have access to private medical treatment at any time you require it which means that you will not have to endure any long queues at the hospital you have chosen to have your treatment.
It is possible that at some point in your life you may suffer from a life threatening condition. If you have private medical insurance then this will ensure you will not be put on a long waiting list and can be assured that you will receive immediate service. Hence having private medical insurance gives you that peace of mind should be worst occur.
Another great benefit of having private medical insurance is the fact that you can choose where to receive your treatment and also the specialist who carries out your treatment, in addition to this you can even be treated in a confidential room.
Another important benefit of having private medical insurance is the fact that should you be confined to hospital then you will be allowed to have unrestricted visits from your family and loved ones.
You will also usually have an experienced doctor and a health consultant assigned for you. They will treat, advise, listen and take care of you at all times. In addition to this private medical insurance usually means that you will receive one on one attention.
How Much Is Private Health Insurance?
More and more people are considering private health insurance for the peace of mind it gives to you and your family. One of the main benefits is rapid access to diagnosis and treatment when you need it most. But, like everything, it does cost money. So how much is private health insurance?
The answer depends upon a number of factors. These include:
- How old you are
- Whether you are a smoker (this has a significant impact)
- What level of cover you require
- Whether in-patient or outpatient cover is required in addition
- Existing medical complaints may add to the cost
- Other lifestyle factors
In short, it’s not possible to give a definitive answer about how much cover will cost, and many online quotation simply give an indication of cost, but cannot be relied upon to be accurate. Our advisors will give a private health quotation customised to your specific circumstances, and can save you thousands of pounds over the lifetime of a policy – and in many cases, the monthly cost will be cheaper than going to a private healthcare provider direct.
In addition, the financial burden on businesses looks set to increase as cases of workplace stress reach a four-year high, with British workers being the most stressed compared to colleagues in some of the world’s biggest economies. A study of 60,000 workers showed the UK’s stress level has risen by 10% since 2008; high stress levels can decrease productivity and lead to an increase in absences as stressed individuals are tired and particularly susceptible to illness.
Why use the services of Discount Mortgages for your Private Medical Insurance?
As an independent broker, we can offer you a tailored solution from all of the respected PMI providers.
There are varying levels of cover available which can be for the individual or tailored to include their families. The plan covers the cost of private medical specialists, x-rays, drugs, surgery, accommodation and nursing bills in a private hospital or ward in an NHS hospital, and is designed to cover treatment for curable, short-term illness or injury.
Sickness and absence statistics
- In 2010-11 around 26 million working days were lost in total, 22 million due to work-related illness and over 4 million due to workplace injuries
- On average, each person suffering took around 15 days off work
- Stress, depression or anxiety and musculoskeletal disorders accounted for the majority of days lost
- The average days lost per case for stress, depression or anxiety is 27 days.
Call us now on 0800 298 0678 for any immediate enquiries.