Private Health Insurance As A Compliment To Health Services
Topics: private health insurance
There are plenty of aspects to private health insurance that make it an attractive option to people who genuinely care about their health. For a start, there are often reports of long waiting lists through the NHS, whereas those who take out private health insurance can often get admitted to hospital for treatment pretty swiftly. This can make a huge difference to recovery time and also the stress levels that accompany ill health.
There is absolutely no denying that the NHS provides an invaluable and unique service, bringing healthcare to the masses. Nevertheless, the pressures placed on the NHS can have an effect on the experience the patient has when they need its support the most. Certain aspects have suffered under this pressure; there are issues with patient waiting lists; issues with cleanliness of hospital facilities leading to increased levels of infection; costly errors which significantly impact on patients’ wellbeing and cause an increase in the amount of compensation paid out by the NHS.
The structure of the NHS and the way in which it is funded means that the degree of support and care received very much depends on the area that you live in resulting in a ‘postcode lottery’ that decides whether or not you will get the drugs that you need. The health system is run very much as a business and each individual health authority has to determine where the funds are most needed. Once these funds are spoken of, should a patient be in need of expensive drugs, they can often be turned down.
One example of this comes in the case of a patient suffering from incurable cancer of the bone marrow. She has been given only two months to live but there is one hopeful prospect on the horizon. The drug Revlimid is one that will prolong the patient’s life without side effects and her GP is all in favour of prescribing it.
However, her local health authority claims it is not cost effective to provide the drug at 4,300 pounds per cycle. After appealing, the patient has been told an investigation is under way and she will be notified of the outcome in 25 days time - half her life expectancy and at a time when it could be just too late. Taking the drug could prolong her life for up to three more years.
Of course, no one can knock the fact that the NHS has far surpassed the health care systems of virtually all other countries and that it saves the lives of millions of people every year. It has made health care accessible to all, regardless of wealth. It is full of dedicated doctors and nurses who are following their vocation with caring determination.
Even with these issues outlined above, the NHS provides the support, care and treatment that many need in times of emergency. For those that wish to take it out, private health insurance can help to bypass these issues by providing prompt treatment in facilities which are maintained to the highest standards, with professionals who aren’t restricted by the time and budgetary pressures that an institution like the NHS would place on them.
Private health insurance can be seen as the perfect complement to the NHS. In many ways, helping to alleviate the pressures on an already stretched system. So, for those that can afford it, private health insurance is an invaluable investment, complementing the treatment provided by the NHS.
Shaun Parker is a leading insurance expert with many years of experience in the health industry. Find out more about private health insurance at www.health-on-line.co.uk
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