​

UK domestic private medical cover, often referred to as private health insurance, provides individuals with the option to select their own specialists and hospitals for medical treatment. This allows for greater flexibility and choice when it comes to healthcare providers and facilities. Additionally, private medical cover typically reduces or eliminates the waiting times that are often associated with the National Health Service (NHS) in the UK.

 

1.            Quick Treatment Options: One of the primary advantages of private medical cover is the ability to access medical treatment faster than through the NHS. This can be particularly beneficial for non-emergency conditions, elective surgeries, and specialist consultations. Private hospitals and clinics often have shorter waiting times for procedures and consultations.
 

2.            Choice of Specialists: Private medical cover typically allows individuals to choose their preferred specialists and healthcare providers. This can lead to a more personalized and tailored healthcare experience.
 

3.            Reduced NHS Waiting Times: By opting for private medical cover, individuals can avoid the often lengthy waiting times associated with the NHS. This can be especially important for those who need treatment for non-life-threatening conditions but don't want to wait.
 

4.            Private Phone GP Service: Most private medical cover plans offer access to a private phone GP service. This service allows policyholders to consult with a general practitioner over the phone, providing convenience and quick access to medical advice.
 

5.            Additional Services: Private medical cover plans may include additional services such as dental care, optical care, mental health support, and wellness programs. The scope of coverage can vary depending on the specific plan.
 

6.            Costs: Private medical cover can be designed according to individual budgets. The cost of private medical cover can vary widely depending on factors such as the level of coverage, the individual's age, pre-existing medical conditions, and the provider.
As a guide, the cost of private cover for a person aged about 40 is about £48 per month for a basic level of plan that includes Unlimited use of private hospitals for surgeries or treatment as an “in-patient”, plus full cancer cover and unlimited MRI scans.

A wider cover that also includes specialists and unlimited diagnostics as “Out-patient” (not being hospitalized) is about £70 per month.
 

7.            Coordination with NHS: It's important to note that private medical cover can work alongside the NHS but it doesn’t have to. Some individuals may choose to have private cover for certain services while relying on the NHS for others.
 

8.            Quality of Care: Private healthcare providers in the UK are known for their high-quality care and state-of-the-art facilities. This can be a significant consideration for those seeking the best possible medical care.
 

9.            Exclusions and Waiting Periods: Private medical cover plans often have exclusions for pre-existing conditions and waiting periods for certain treatments. This area is called Underwriting and typically there are two options: Moratorium and Fully underwritten.
It is important to get a good understanding of this to ensure the insured person is selecting the right options for them.

​

In summary, UK domestic private medical cover can offer advantages such as quicker treatment options, reduced NHS waiting times, and access to a private phone GP service. Other elements can also be added, such as dental and optical budgets and individual covers an be tailored according to budgets.