If you are a UK resident then you will be eligible for free medical treatment on the NHS. However, if you want access to many of the different drugs and treatments which may not be available on the NHS, then you will need Health insurance for private medical care. Here are some of the other reasons why you may need health insurance.
1. You want to choose where you are treated
This will ensure that you can choose the best doctor and the best medical centre for you. You will also be more comfortable with your own room and amenities like a television.
2. You want access to the newest treatments and drugs
Often the most expensive drugs and treatments are not available on the NHS. Health insurance will ensure you have access to these should you become ill.
3. You do not want to wait for treatment
Being treated on the NHS involves being put on a waiting list especially if you need to see a specialist such as a dermatologist.
4. You have some spare cash and want to use it to ensure good health
If you earn enough to cover the cost of Health insurance then it is worth looking into.
5. You do not want to be treated on the NHS
Sometimes people prefer the comfort and security of having private medical treatment. You are guaranteed to see someone immediately and you will be treated with the best drugs ensuring a quicker recovery.
Health insurance may be available as part of your employment benefits so check this out before you apply for a plan. When you shop around for health insurance you can look into plans which require that you disclose your medical information and plans that do not require this. Health insurance will give you a little more reassurance that, should you fall ill, you will get the best treatment available.