The benefits of health insurance in the UK
The benefits of health insurance in the UK
Health insurance is often assumed to be a largely American phenomenon but it has become increasingly popular in the United Kingdom in recent years. Although Great Britain has an excellent public health service, many people prefer the additional reassurance and peace of mind that a private health care plan can provide in the event of an unexpected illness and the need for swift consolation and treatment for expensive drugs.
Contrary to popular belief in some circles, health insurance plans in Britain are not strictly the preserve of the wealthy. Most providers offer low-cost plans aimed at people of all income levels and many employers, particularly in the private sector, include free or reduced-cost health insurance as part of their benefit packages. Costs can vary depending on your age, occupation, medical history and leisure pursuits - those who smoke or who engage in extreme sports can usually expect to pay a higher premium - but even basic private health plans soon pay for themselves in the event of illness or injury.
Although medical insurance can help take care of the higher or non-subsidised costs at private hospitals or clinics and any treatments or outpatient care needed later on, it can also be used to offset other health-related expenses. Depending on your health care plan, you may be able to claim against the cost of new glasses or even contact lenses, removing some or all of the financial burdens of optical care, which can add up to large amounts over the course of a lifetime. Not all plans offer this provision however, so be sure to check your policy documentation before splashing out on a new pair of frames or lenses.
Depending on your provider and health insurance plans, you may also be covered for health checks and screenings that can help keep you in tip-top shape and reduce the chances that you will fall ill or pick up and injury. This can sometimes extend to dental check-ups and various other preventative treatments. These plans are sometimes known as 'health cash' plans as they allow you to claim back up to 100% of amount you spend on everyday treatments, up to a pre-agreed limit. These plans can prove very cost-effective and good value for those with the right needs.
It is worth remembering that health insurance plans can vary significantly depending on the type of plan and the level of cover you choose, so be sure to opt for one that strikes the correct balance between your individual or family needs and the right premium. Providers will usually be happy to answer all your health insurance questions to put your mind at ease and will be able to inform you of your entitlements.
The author of this article is a part of a digital blogging team who work with brands like Bupa Insurance. The content contained in this article is for information purposes only and should not be used to make any financial decisions. Swedish Doctor Warned FDA of Darvon/Darvocet Side Effects in 1999 A Wonderful Gift for a Doctor Florida Health Insurance Needed To Fight Bad Flu Outbreak Chiropractor Assists To Alleviate A Variety Of Ailments About Acne - What can you do to remedy or alleviate acne? Arrange Expats Health Insurance IS Important Ohio Small Business Health Insurance Quote Online Buying Health Insurance Made Simple Foot Arch Discomfort - Its Brings about and What You Can Do to Alleviate It Details Of Humana Health Insurance Be Sure Of Your Health With Business Health Insurance Health Insurance London Florida Group Health Insurance Plans - Small Group Health Insurance Florida