Looking to find health insurance quotes for individuals can be difficult. Many policies are geared towards protecting couples or adults, not for single persons looking for individual cover. However, private medical insurance is still an option for the individual, it just requires a little more attention to detail and research.
Before taking out any policy, whether for an individual or a larger family unit, there are several questions to address. First and foremost, the financial implications are not to be underestimated. Identifying realistically whether or not the insurance can be fitted into the existing budget is the first point of notice. Private medical costs are generally on the rise. The aging population is stretching the expenses of the NHS, as people reach increasingly older ages and therefore have more of the associated medical issues. The private sector is not immune from the effect of this overall trend. Everyone has their own unique financial circumstances, and for many people private health care is well worth the expense. For those in a position where they have less disposable income after their rent and other bills, it might not be the ideal solution.
With private medical cover, customers receive a number of elements which some people think are attractive. First of these is the fact that in the majority of cases, being a private patient dramatically reduces the waiting list for procedures. On the NHS, targets are set that there will be a maximum waiting time of 12 weeks between consultation and treatment. Some people feel that this is too long, and would rather seek treatment themselves. This is where private cover is very effective. In addition, many people choose to pursue private health care over concerns regarding infection and cleanliness in NHS hospitals. Reports of MRSA and other complications are often in the news, and some people believe that private treatment centres will be cleaner and therefore safer. With private insurance, there is also the chance to receive treatments which are not available on the NHS, including medications, and there is more likelihood that the same consultant or doctor will be seen throughout the process, adding confidence and continuity.
Some individuals find that they have private health care cover through their workplace. This is not always comprehensive, but can sometimes be augmented with additional contributions for a cost effective coverage. Alternatively, using online comparison services can help to find the right level of cover at the right price.