The purpose of private health insurance is to help you pay for care. It protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive if you were to pay for the treatment yourself. It is isn’t a replacement for the NHS but works alongside the NHS. Any claim will start with a visit to the GP.
Private health insurance helps you get prompt, private treatment if you’re unwell. It’s designed specifically to treat acute conditions that start after your policy begins: an acute condition is a disease, illness or injury that’s likely to respond quickly to treatment so that you can return to your previous level of health. You pay a premium to an insurer, and in return, they will provide you with healthcare benefits. It gives you peace of mind, knowing that you can get the treatment and care you need, promptly, without having to join the NHS waiting lists.
In some situations you will have access to drugs that the NHS trust won’t or can’t pay for. You may have heard this referred to as the postcode lottery.