ChatterBank1 min ago
health insurance
I am interested in taking out private health insurance for me and my wife. Has anybody any experience of private health care, good and bad,and are you not allowed NHS care if you have private care.
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My wife and I have private health insurance.
Fortunately we�ve only had to make use of it once and we soon realised it was the best investment we ever made. My doctor referred us to the local NHS hospital that diagnosed the problem but determined that they could not deal with the matter (which required surgery) for at least six months. It is true that the matter was not urgent or life threatening, but was causing considerable pain, discomfort and inconvenience.
We used our insurance to get a referral to a consultant in a private hospital and surgery was undertaken within ten days. Job done. As well as this the entire experience was far more pleasant than could have been achieved in an NHS hospital. A private room with full en-suite facilities was provided, together with tea and coffee for visitors. Follow up and physiotherapy was also provided and was excellent.
If you can afford it, go for it. Our insurance provides access to BMI hospitals and a number of insurers use them. Your NHS entitlements should not be jeopardised in any way.
Don�t be put off by the bleeding hearth liberals who suggest that your action is destroying the NHS. Quite the opposite is true. Assuming you are a tax/NI contributor you will still be paying for the NHS (and may indeed need their services for conditions not covered by your insurance), Additionally if you need treatment that you take privately you will be freeing resources for other NHS patients � resources that you have already paid for!
Fortunately we�ve only had to make use of it once and we soon realised it was the best investment we ever made. My doctor referred us to the local NHS hospital that diagnosed the problem but determined that they could not deal with the matter (which required surgery) for at least six months. It is true that the matter was not urgent or life threatening, but was causing considerable pain, discomfort and inconvenience.
We used our insurance to get a referral to a consultant in a private hospital and surgery was undertaken within ten days. Job done. As well as this the entire experience was far more pleasant than could have been achieved in an NHS hospital. A private room with full en-suite facilities was provided, together with tea and coffee for visitors. Follow up and physiotherapy was also provided and was excellent.
If you can afford it, go for it. Our insurance provides access to BMI hospitals and a number of insurers use them. Your NHS entitlements should not be jeopardised in any way.
Don�t be put off by the bleeding hearth liberals who suggest that your action is destroying the NHS. Quite the opposite is true. Assuming you are a tax/NI contributor you will still be paying for the NHS (and may indeed need their services for conditions not covered by your insurance), Additionally if you need treatment that you take privately you will be freeing resources for other NHS patients � resources that you have already paid for!
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