Alan Waddington of Staysure says, "If the idea of being ill in your old age is one of your major fears, you are not alone. Most of us are worried about falling ill, but with advancing years the anxiety can increase. The restructure of the NHS could have a serious impact on funding and access to treatment. Many of us would like to choose private medical treatment but fear it will be too expensive. We worry that we may pay for cover, only to find that the required treatment or operation is available on the NHS. But what options do you really have if you can’t afford private health insurance?"
He continues, "Health cash plans have been around for a long time but recent innovations now allow people to have real choice of how they receive treatment. Typically cheaper than traditional private medical insurance, these plans entitle you to cash back for items such as hospital stays, specialist consultations, out of pocket expenses as well as dental or optical treatment. A number of cash plan providers also allow customers to add cover for specific m medical procedures and operations, outpatient scans and screens. It is even possible to add cover for cancer drugs and therapies not available on the NHS."