Do you need health insurance?

Do you need health insurance?

Should I buy health insurance?
Health insurance is not without its merit. We will quickly track consultation and cover private treatment for short-term medical problems.

But there are many exceptions. It is not subject to long-term treatment such as kidney dialysis, diseases such as asthma and normal pregnancy, non-essential beauty treatments, existing medical conditions etc.

Before making a decision, it is worth considering the following alternatives

What is an alternative to health insurance (excluding NHS)?
Health insurance from your employer

This is an alternative way to pay for health insurance, but many employers offer it as a work benefit. Normally it is much cheaper than paying for me.

The employer's health insurance system is often more generous, for example it may cover existing conditions. Most insurance companies can switch to personal policy without sacrificing additional fee.

Healthcare Cash Plan

Cashing of health care is generally much cheaper than private health insurance, but it is only designed to cover daily medical expenses such as dental work, specs, contact lenses, physical therapy. Their cover does not reach the cost of serious medical procedures like surgery.

When you pay the monthly premium, the cash plan provider will repay the medical expenses covered by the plan. There is a yearly limit on the amount you can request, there is a limit on a more comprehensive policy.

Cover for serious diseases

The cover of an important disease is often sold in life insurance and can be used for cases where it is diagnosed as one of numerous serious diseases, including several types of cancer, heart attack or stroke, multiple sclerosis or sepsis I do cash lump sum payment. limbs.

A serious disease policy is used to pay whatever you need, such as medical expenses, adaptation to your home (mobility aids needed for disabled people, special equipment, structural changes, etc.), or mortgage refund can. One thing that it does is to provide regular income that income protection does.

Since the target diseases vary from insurance company to insurance company, please get advice before buying policy and checking policy document. Existing conditions tend to be excluded, but some insurance companies cover your medical history