General Article Do you need private medical insurance?

Topic Selected: National Health Issues
This article is 6 years old. Click here to view the latest articles for this topic.

What is private medical insurance?

Most UK residents are entitled to free healthcare from the NHS.
Health insurance pays all – or some – of your medical bills if you are treated privately. It gives you a choice in the level of care you get and how and when it is provided.
You don't have to take out private medical insurance – but if you don’t want to use the NHS, you might find it hard to pay for private treatment without insurance, especially for serious conditions.

What does private medical insurance cover?

Like all insurance, the cover you get from private medical insurance depends on the policy you buy.
Basic private medical insurance usually picks up the costs of most in-patient treatments (tests and surgery) and day-care surgery.
Some policies extend to out-patient treatments (such as specialists and consultants) and may pay you a small fixed amount for each night you spend in an NHS hospital.

What private medical insurance doesn’t cover

Your insurance usually won’t cover pri...

Would you like to see the rest of this article and all the other benefits that Issues Online can provide with?

Sign up now for an immediate no obligation FREE TRIAL and view the entire collection