Health Insurance In The UK
Whenever these things happen, you are thrown into a bewildering situation and left to running from pillar to post to organize proper medical treatment on one hand and simultaneously arrange funds and other resources to defray the costs on the other.
It's a real challenge, and the trauma for the attending members is nothing less compared to what the patient is going through.
Despite the best efforts of the Government, the NHS is always an overstrained facility.
No doubt, it has the best doctors, the best diagnostic systems, and the best operating equipments but its resources are far too short than that of actual requirement.
It can certainly be the best place to handle emergencies, but when it comes to planned medical treatment, it's high time to consider other viable alternatives.
What most patient families look out for is a systematic and holistic approach to treatment that involves less worries and anxiety.
In those critical times, they want quick access to treatment, easy hospitalization benefits, provision for specialized treatment and host of other similar facilities for the patient.
As a one-stop solution to all these issues, Private Health Insurance in the UK is increasingly becoming a very popular alternative.
Private Health Insurance comes in different packages.
It can be subscribed by anybody from an individual to a corporate body.
It can have limited to full coverage, including coverage for specialized treatment options.
There are generally two bases of underwriting a health insurance policy.
In the Moratorium coverage plan, medical conditions that you have had during the last 3 to 5 years are excluded from cover normally for the first two consecutive years of the policy.
In the Full Medical History Underwriting plan, the Insurer considers your medical history normally within five years and offers coverage, sometimes on special terms and conditions on case-to-case basis.
No other facility offers this sort of personalized package.
Some illnesses, pregnancy related ailments and self-inflicted conditions do not come under the purview of Private Health Insurance plans.