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Don't Risk Your Health, Think Insurance
The "top drawer" when it comes to health insurance is a fully comprehensive plan - one which pays out for any medical need which you may have whenever or wherever you need it. The only problem with this type of insurance is that it tends to be very expensive. This is because there have been major technological advances in medical procedures in recent years and the costs of these are extremely high. Any insurance product which promises no limit to the amount or cost of treatments is necessarily going to have to be expensive to cover these costs.
Just because you can't afford a fully comprehensive package, it doesn't mean that private health insurance is unattainable. When you think of the alternative, which could be long waiting lists for NHS treatment or "go-it-alone" private treatment - with the hope that nothing too serious or expensive crops up - you may realize the other options are worth considering.
An easy way to reduce the expense of comprehensive policies would be to agree to pay a large excess of any claim. It should also be possible to find an insurer who will keep the premiums down by excluding some conditions from the scope of the cover.
Co-payment policies are another option, where the responsibility for the expense of private treatment is shared by the insurer and the insured. You would agree to pay part of each claim, normally an agreed percentage. Premiums can be reduced further if you exempt certain treatments, such as outpatients or physiotherapy and the like.
Cash plans offer the very cheapest cover, but can offer some useful help. The coverage is not very great, but usually the way they work is by providing you with a lump sum, subject to a set limit, for medical services. These could be dental or optical appointments, hospital visits or physiotherapy sessions and for each night that you spend in any hospital you would be given a cash payment.
If you have a family, its well worth considering a family plan, tailored to whatever you can afford. Children's illnesses can be very worrying and whilst the NHS is there for emergencies and is invaluable in this situation, there are long waiting lists to even see a specialist for diagnosis and that's before they're placed on the waiting list for any surgery that may be necessary. The disruption to the whole family can be considerable. Very often both parents are working and this can mean time off or paying for child care - at a time when what the child really needs is their parents. Private care can avoid that entire trauma and this is where it really comes into its own.
So, some type of health insurance should be affordable and the reassurance it gives is invaluable. Do compare quotes though, and compare like with like. Get on-line and find an adviser who can go through all the options and come up with the best option for you at a price you can manage.
If you decide to "go it alone", you could open a savings plan specifically to cover health-care costs. You should be aware, though, of the costs of what seems like fairly basic surgery and be prepared for either topping up this fund or what could be a very long wait until you're back to your healthy self.
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