MBA UK

Private Healthcare



Search jobs

People in the United Kingdom have right to obtain a free healthcare, provided through the National Health Service (NHS). Some people elect to pay for private medical treatment directly. This is known as Private Healthcare. Also, you can opt to pay for private healthcare via medical insurance, or pay yourself using an ad-hoc basis each time you use private healthcare services.

The United Kingdom has one of the best Private medical treatments in the entire world, with London having some of the most experienced specialists of the world. Inside the country, most people elect the Private healthcare to avoid NHS waiting lists for non-emergency specialist appointments and non-urgent treatment. About a quarter of all operations are performed privately.

There is almost always no difference in quality among private doctors and NHS doctors. Practically you will not see any difference between the attention offered by the specialist private and the NHS. The principal difference is the waiting time between the day you made the appointment and the day you are treated.

Some reasons because the people elect the private healthcare:

  • To evade long NHS waiting lists for specific treatments.
  • Some medical treatments required are not available on the NHS.
  • The accommodation is more comfortable and they offer an bedroom and a TV.
  • Nursing care, operating theatre and intensive care treatment is included.
  • Usually you can decide the hospital and choose the specialist that treats you.
Private healthcare might seem more generous, but some disadvantages exist:

  • Private medical insurance only covers curable, short-term illness or injury, so ineluctably some illnesses or treatments will never be covered.
  • A standard or basic scheme should cover emergency dental situation and pregnancy complications, but won't usually cover routine maternity or dental costs.
Some common situations are not covered by private medical insurance. These include:

  • Self-inflicted states: as drug abuse, self-inflicted lesion, normal pregnancy and injuries arising from high risk hobbies.
  • Some specific treatments as kidney dialysis, organ transplant, sex reassignment therapy, cosmetic and fertility treatment, outpatient medication and dressings.
Patient rights

Most private healthcare insurers now strongly advocate you consult their help lines before boarding on a course of treatment and incurring expenses. Most insurers offer a client pack; this pack provides an insurance certificate, claims forms and a helpline card with necessary contact numbers listed. Costs for outpatient treatment can be redeemed through claims forms.

The cost of Private healthcare

If you want to use private healthcare services, it is advisable to acquire an insurance policy with a specialist health insurer, such as BUPA or PPP. Many employers also offer their workers the private health insurance, it is necessary to verify the different available options and decide a suitable package.

Any plan made among you and a medical insurer should adjust to your individual needs, so prices fluctuate a lot from plan to plan. As a crude average, private medical insurance operates at 1,000 per year. You will often be offered a choice between basic, medium and advanced healthcare plans. On minimum cover you can assume to pay around 40 to 50 per month, medium plans average 50 to 60 per month, and advanced plans can cost anything upwards of 65 each month.

As you would expect, The most expensive plans usually cover all health costs for major or minor operations, while on a cheaper health plan you may have to absorb up to 50% of treatment costs yourself, or reclaim any money you are entitled to through the claims form process.


Back to:
Health & Insurance in UK
MBA Abroad