In United Kingdom the medical insurance is primarily supplied by England’s public health service known as National Health Service (NHS) which provides medical care to all permanent residents of the country. This health insurance is mainly funded through general taxation and is given free to the public at the point of use.
Since NHS provides a free and comprehensive range of healthcare services, a great number of the populace has been trooping to NHS. This factor put heavy load on the government’s healthcare agency which resulted in giving inferior services. Thus, many people who are willing to pay medical insurance are seeking the services of the private health insurance companies.
Private Health Insurance is the healthcare insurance program handled by the private sector to provide coverage for the treatment of a particular range of medical conditions which are usually done in private wards and hospitals. In some cases this healthcare program is funded by employers through the private medical insurance as part of their benefits package for their employees.
Although NHS dominates the health insurance provision in England, private health insurance is getting popular because many patients are able to receive immediate medical services from private hospitals which are not available from busy NHS wards. Some people are maintaining their government insurance as point of first contact while private health insurance is used for specialist referrals.
Why Take Private Health Insurance?
The current global climate changes have brought many natural calamities which affected adversely our living conditions. As a consequence many of us are infected with so many unknown and rare diseases which require huge amount of money. And if we’re not prepared to meet this problem, our finances will be in great trouble.
Hence there’s a need to examine some alternatives to protect our financial status against disease related expenses. One of the best options is to get a health insurance from NHS. However, experience showed that services from NHS are not available immediately due to long queue of patients.
One of the best moves to get proper and adequate medical care is to avail services from the private health insurance companies. This option will free us from worrying about the long NHS queues, but also giving us prompt medical attention from private hospital with the cost charged to the insurance.
Moreover, aside from the above primary health insurance benefit, herewith are additional good reasons to take private health insurance:
Prompt contact of expert second opinion.
Immediate access to medical treatment.
Allows you several options on the time and place for your treatment.
Gives you the best choice of hospital room.
Wider choice of consultant or private specialist.
Greater access to new treatment procedures not available from NHS.
Offers you comfortable private en-suite recovery room after major operation.
Provides you with extended visiting hour for your family members and friends.
Different Types of Cover
Due to the inadequate services of the NHS, many private health insurance companies have offered different types of insurance coverage to fill the gap of the increasing market demand in the healthcare insurance business. Hence choosing the appropriate insurance cover which will meet your need and budget would not be an easy task.
Our company, Private Health Insurance 247 has designed various insurance covers that will match your specific health insurance needs and budget. We can help you in making your choices, and to tailor-fit it to your needs.
Based on our research, we have developed four different types of cover, all providing excellent services and flexibility as follows:
This policy provides low cost cover but with access to the highest medical standard services.
This plan allows us to participate in cost sharing.
Medical cost will differ in accordance on the type of your treatment.
Payment is only made on each medical service availed.
The policy coverage includes all eligible hospital fees, specialist fees, etc.
If you’re hospitalized on the NHS insurance coverage or following the birth of a baby, you’ll receive additional cash benefits.
Provides limited outpatient care after hospital confinement.
This policy provides you with the highest level of medical coverage and usage of the state-of-the-art hospital facilities.
Provides additional benefits including complementary therapies and cash if you’re hospitalized on the NHS or following the birth of a baby.
Super Special Plan
This plan provides you with several choices of the highest medical coverage at competitive prices.
The coverage of this plan includes most of the eligible inpatient fees, specialist and consultant fees and outpatient treatment fees.
All other benefits in Special Plan.
Find Great Prices for Medical Insurance with Us
Private health insurance companies have mushroomed due to great demand of private healthcare. Hence choosing the best medical insurance package would not be easy as there are several medical services offered to you which may not match your needs.
Private Health Insurance 247 is committed to help you find the great prices for your medical insurance. Our process include evaluation of your current medical needs and provide you with a perfect match of the type of private medical insurance you will need.
Our experience shows that in buying private medical insurance policies you should consider these following questions:
What amount you can afford to spend for your healthcare?
In your payment scheme, do you want to pay part of your treatment?
As an out-patient, would you like to cover the services of the specialist and some common diagnostic tests (X-rays, laboratory tests, etc.)?
Would you want your treatment be done from a wide range of hospital choice?
In what areas you don’t want to be cover?
These are some of the few questions which we would like you to answer as this will be basis of giving you the great prices for your private medical insurance needs. Should you have further questions regarding this matter we shall appreciate if you call on us?
Health Insurance Plan Selection Process: Step by Step Guidelines
If you are getting benefit of free or reduced cost health coverage from your employer then it is good. However, if you are retired, self employed, part time employee or self employed then below mentioned process will help to find an appropriate coverage.
It can be Completed in Five Simple Steps Mentioned Below:
Compare the different types of health care coverage available at Privatehealthinsurance247 and select the best one to satisfy your need. HMO (health maintenance organizations), PPO (preferred provider organizations) and HDHP (high deductible health plans) can be used with health saving accounts. HMO is least expensive but with lots of limitations whereas PPO is more expensive but with greater flexibility available plans to take care of your health.
We are providing here wide range of medical insurance providers. Select an insurer from the list depending upon your medical situations to find best offers. We are offering financially strong companies who can provide immediate coverage in your needs.
Now, you can select deductible. It might be available with different ranges starting from £500 and may reach at £3000. Deductible and premium amount is adversely related to each other. You can choose deductible based upon your monthly affordability for premium payments.
Select specific plan from the list which can satisfy your needs. Once after selecting the company, you can easily examine other plans of the company also. You can compare the coverage with different plans to find one that suits to you.
Before making final decision, be sure that the plan is offering everything that you need. Take advice from our experts.
Health Insurance Award 2012 in UK Goes to Cigna 05 Dec 2012
Cigna leading health insurance provider in UK has won the award of Best Group International private medical insurance provider. The award is given to the company for its quality and timely service to the consumers at reasonable rates.
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