Market Views - Hospital Treatment Insurance
To read Debbie's comments in Cover Magazine on the new Westfield Health - Hospital Treatment Insurance click here: ... Read Full Story >
Heather Brown (different name used) took out private health cover knowing that as a self-employed trainer, she simply couldn’t afford to be ill; especially if it meant waiting around for treatment. Heather was wise to do this, because when she recently consulted her GP with a croaky throat, he referred her to a specialist for advice.
Unfortunately – like many who’ve never experienced private health care treatment – she had no idea what to do next. For instance, where would she find the best private treatment? How would she go about making the claim? Even this process was consuming valuable business time!
So she picked up the phone and called Kath, her personal adviser at Best Health, for advice. Kath was immediately able to advise her on a private specialist consultant within an Ear, Nose and Throat Department at her local BUPA hospital.
An appointment was booked for the next morning and an MRI scan for the following day. She was diagnosed with polyps on her vocal chords which were subsequently removed with laser treatment.
From appointment to recovery, the process took just 3 weeks. Had she taken the NHS route it would have been more like 6 months – given that it wasn’t ‘serious’, i.e., 13 weeks for the appointment, perhaps 4 weeks for the scan and a further wait of 3 months for the treatment.
But for Heather, it was serious. Without the use of her voice, Heather wouldn’t have been able to work. And as a self-employed trainer, this wasn’t an option. Heather couldn’t have waited for NHS treatment, but neither would she have been able to access the £1300 for the MRI scan, the £500 for outpatient consultations or the £1,500 operation costs.
Planning ahead and budgeting for private health cover was one of the best decisions Heather has made. It relieved her of months of worry and discomfort – not to mention lost earnings. It’s also worth remembering that if she’d requested private medical treatment – without cover in place – she’d have been saddled with huge, unplanned debts.
If you’d like to discuss private health cover with an expert, call now on 0800 073 0582.
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