Whether medical insurance is right for you or not will depend on a great many different factors, some practical, some personal. Private medical insurance (PMI) gives you greater choices about where and when you will be treated, and by whom. It allows you more control over your situation and can put you touch with higher quality facilities.
This article provides help to enable you to decide whether to take out private medical insurance (PMI). It is written by Jackie Griffiths, a freelance journalist who writes health, medical, biological, and pharmaceutical articles for national and international journals, newsletters and web sites.
Self employed or key personnel
One of the biggest advantages of PMI is that you will not have to wait for treatment as you do on an NHS waiting list. If you are self employed, or are a key member of your team at work, getting back to good health as quickly as possible could be very important. If you compare the potential cost of work lost through illness or sick days with the price or your policy, you will probably find your cover is worth every penny. Even if you never make a claim PMI can be well worthwhile for self employed people, simply for the peace of mind of knowing you’ll receive swift treatment and be back to work fast, should you ever need it.
Reducing the risk of infection
If you’re particularly concerned with the risks from so-called hospital super-bugs, such as Clostridium difficile and MRSA, then private medical insurance could help ease those fears. Private hospitals tend to have a better record on infections such as these for several reasons. Firstly, most patients will be treated in a private, single room, reducing the risk of cross infection from other patients. Secondly, because there is less pressure on beds there’s more time for thorough cleaning in between patients. Finally, Private hospitals generally have more resources to invest in the cleaning and maintenance of their wards.