5 Reasons To Consider Private Health Insurance When You Hit 50
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5 Reasons To Consider
Private Health Insurance
When You Hit 50

 

 

Keeping fit and staying healthy becomes increasingly important as we get older. Whether this means regular exercise, a more nutritious diet or cutting back on unhealthy food and drink, there are various measures we can take to ensure our well-being is not compromised.

 

Unfortunately, certain health risks associated with old age are unavoidable and the option of having appropriate cover to safeguard against these problems becomes more and more appealing.

 

While some may regard private health insurance as an unnecessary expense, the importance of good health is of great significance when you reach 50. So here are some reasons to consider having appropriate protection.

 

Peace of mind

 

As previously noted, everyone will become more susceptible to certain health concerns in old age. Some of the most frequent issues include heart disease, cancer, arthritis, obesity and mental health problems, such as dementia.

 

Having appropriate medical cover to protect against every eventuality is incredibly reassuring. It is impossible to predict what may happen in the future, but it is imperative to be aware and stay prepared.

 

It is also important to know that medical insurance usually won't cover pre-existing medical conditions and chronic illnesses such as HIV/AIDs, diabetes, epilepsy, hypertension and related conditions. Your insurance company will be able to provide you with information regarding specific inclusions.

 

In all instances, whether receiving state or private healthcare, incorrect diagnosis and treatment is sometimes an unavoidable problem. However, clinical negligence claims can result in compensation for the patient.

 

Prompt treatment

 

Even though the standard of NHS treatment is in most cases very good and certain conditions will be treated as a priority, one of the main disadvantages of state healthcare is the waiting times.

 

Depending on the level of coverage, healthcare insurance can eliminate waiting times for troubling and distressing conditions. If you're happy to receive treatment on the NHS, certain policies are available with a six-week option. If waiting times are more than this time frame, your insurance company will be able to provide quicker, alternative treatment.

 

Convenient healthcare

 

Even if you long for a more quiet and relaxing existence in the years approaching retirement, you're unlikely to find yourself trouble free. Work does not get any easier, family commitments continue to become more frequent and socialising with loved ones takes up a lot of spare time.

 

Therefore, the flexibility that comes with private healthcare is an extremely attractive benefit. Convenient appointment times at suitable locations can be made to fit around a busy schedule.

 

Quality of care

 

Another benefit of private healthcare is the quality of care available, which is often greater than NHS alternatives. What's more, you'll have the option to stay in a private en-suite room with the various creature comforts of home.

 

When choosing a healthcare policy, private hospitals will usually be graded into bands to reflect their level of quality. These will range from postgraduate teaching hospitals to a pay bed in an NHS hospital ward.

 

Specialist referrals and treatment

 

If you are not satisfied with the diagnosis from the doctor, you can request to see a private consultant for a second opinion and receive specialist treatment.

 

Some drugs and types of healthcare are not available on the NHS, either because they are too expensive or have not received approval from the National Institute for Health and Clinical Excellence in England and Wales (NICE) or the Scottish Medicines Consortium (SMC). However, these may be available through private institutions.

 

 

 

 

 

 

 

 

 

 


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