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Why do people buy health insurance?

Peace of mind is a common motivation; it is difficult to watch the news these days without hearing about ever-increasing pressures on the NHS and the deteriorating situation regarding waiting lists to be seen by a specialist or for an operation.

A private medical plan can provide expert medical care for you and your loved ones; whether you find yourself dealing with cancer, heart disease, back pain, IBS or even pregnancy, your health insurance policy could ensure that you're seen and treated swiftly.

Not all policies are the same of course: a basic policy will usually cover the cost of in-patient treatments (tests and surgery) and day-care surgery. Some policies will extend to cover the cost of out-patient treatments too; perhaps involving specialists or consultants.

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Can my family avoid waiting in NHS queues?

With a health insurance policy you and your family will have swift, priority access to expert medical help should you need it. We all know and respect the incredible work of our NHS; but the demands placed upon the system inevitably lead to queues and delays. For non-urgent referrals, NHS patients can wait up to 18 weeks; and that can be a long time to endure discomfort or inconvenience. Private health insurance policies are often taken to avoid long waiting times in the future.

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I have a healthcare cash plan. Won't that do the same job?

No, healthcare cash plans and Private Medical Insurance are not the same thing - though you can have both; there’s no need to choose one or the other.

Cash plans provide a limited cashback facility against everyday treatments such as dentistry, a trip to the optician or maybe a course of physiotherapy. You pay a monthly premium to your insurer and you pay upfront for your NHS treatment, but then claim back some or all of the costs from your insurer; depending on your policy and within certain limits.

To decide if this could be a good option, you need to judge whether your premiums are likely to be more or less than the cash you can likely claim back over the term of the policy. At this time Our Healthcare are not able to offer quotes for healthcare cash plans.

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What are the top treatments claimed for?**

According to a report published by Bupa in 2019, the most frequently claimed for conditions among their customers in the UK were:

1. Musculoskeletal conditions: This includes conditions such as back pain, arthritis, and joint injuries. These were the most commonly claimed for conditions among Bupa customers, accounting for around 24% of all claims.
2. Digestive system conditions: This includes conditions such as irritable bowel syndrome (IBS), gastroenteritis, and stomach ulcers. Digestive system conditions accounted for around 12% of all claims.
3. Mental health conditions: This includes conditions such as depression, anxiety, and stress. Mental health conditions accounted for around 11% of all claims.
4. Cancer: Cancer accounted for around 9% of all claims among Bupa customers.
5. Respiratory conditions: This includes conditions such as asthma and bronchitis. Respiratory conditions accounted for around 7% of all claims.