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Understanding The Benefits Of Private Health Insurance 

When thinking of taking out health insurance, it’s important to consider the benefits of having private healthcare should you need it. It can be difficult to understand the different polices that are available to choose from, and what they cover. Although polices vary, it’s important to do your research first. Our post will cover the potential benefits of having a policy in place, and what you need to do before taking one out.

Why Take Out Private Health Insurance?

Having private health insurance won’t affect your rights to NHS services, so you can use them alongside each other. Below we have listed some of the reasons for you to consider taking out health insurance, have a read through and see if the aspects of private healthcare could work for you.

Better Access To Treatments

Having private health insurance in place gives you the peace of mind of knowing if you need to access certain services and treatments quickly and easily, you can do. With public health services, there can be long waiting lists for some treatments. 

Shorter Waiting Times

You can use your health insurance to cover the costs of these treatments from private practices, so no waiting around. You will also have more control over who treats you, where and when. 


When you’re in pain or unwell, you need peace and quiet to feel your best. During your consultations and recovery, you will also have more privacy and comfort, you don’t have to worry about recovering on a noisy and busy ward.

Choosing Treatment Locations

Having greater choice of treatment location with private healthcare will allow you to have a less stressful experience and recovery. You can stay closer to family and familiar locations, and won’t have the added stress and strain of travelling long distances.

What Are Some OF The Downsides Of Private Health Insurance?

There are many benefits to having health insurance in place, but before taking out a policy it’s best to be informed of some of cons too. We’ve listed some of them below for you to make an informed decision.

Costs Of Health Insurance

The costs of health insurance can be high, so it’s best to make sure you’re really getting what you need from a policy. Comparison sites such as Switch Health can help you compare health insurance quotes and policies, so you can find the best one that works for you- at the right price. The best private health insurance policies will balance the best cover with fair prices.

Lack of Cover For Long-Term Health Problems

One of the biggest downsides of private health insurance is the exclusions in cover for most long-term health problems and illnesses. So in those instances you would have to rely on public health services. Private healthcare only really comes into it’s own when used for short-term injuries and illnesses. 

Emergency Treatments

Bit of an obvious one – but private healthcare does not cover emergency care. So you will still use the NHS for these kind of services. 

Maternity Care 

Most policies don’t cover private maternity care so you will either have to pay for it yourself or make sure you add it on to a policy at an extra cost.