subject: Medical Insurance – Beyond NHS [print this page] Medical Insurance Beyond NHS Medical Insurance Beyond NHS
In the UK, the NHS takes care of every resident's medical needs, with very few exceptions. This makes many people shockingly reluctant to the idea of purchasing medical insurance. It's shocking, because we would never hold similar views for other possessions: a house or a car or even clothes. We would not live in shelters meant for everyone and anyone; we would always prefer having our own vehicle than relying on public transport and we would definitely not like the concept of a communal wardrobe.
Yet, we have no qualms about leaving our health and its insurance to NHS, which is essentially very similar. It is a public facility shared by every UK resident, for the same reasons, may not offer the kind of comforts that your own home, car or wardrobe can. Yet, we continue to leave our health, our most primarily essential asset, without insurance of its own. More importantly, not only do we purchase our own homes, cars and clothes for our comfort, we even go above and beyond to privately insure these possessions should any harm come to them. But private medical insurance? Oh no! That's an unnecessary' expense. Purchasing medical insurance is in no way unnecessary. It may even become essential, considering the ratio of demand & supply currently placed on the NHS. Here are just a few of the things you give up, in the bargain of not making unnecessary' exepenses.
The NHS currently serves all of UK's residents, making you just another person in a really long, long line.
Its limited resources, in proportion to the numbers of citizens mean you get limited choices: for doctors, hospitals and beds.
You will be asked to pay for some of the services that go along with the medical treatment: tests, prescription drugs, prescription glasses, possibly even chemotherapy or a stay in the ICU.
You will have to compromise on comfort and peace of mind: You may not easily get an extra bed to stay with your son at the hospital, and your wife may have to share a ward with 2-3 other women during labour.
When looked at from this perspective, not having medical insurance seems to be a much costlier option than buying one at 12 pounds a month. But that's not, purchasing medical insurance not only buys you peace of mind, comfort and choices, it may actually become a necessity in many cases:
When you have a chronic illness and require frequent treatments
When you are elderly, or for any other reason cannot afford to be on a waiting list, or in a ward with 3 other people.
When you want to opt for alternative therapies and treatments that may not be available under NHS.
For many such reasons, many people prefer purchasing medical insurance to ensure that they get the best when it comes to their health. While the NHS may be great for many people, it's not the best. And when it comes to your health, you want nothing but the best. The best part is looking for the best is very easy, needing just 5 minutes, a computer and an internet connection. Insurance websites can provide you with medical insurance quotes from the best providers out there, that meet all your requirements, so that you get the best at your fingertips.
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