Not everyone in the UK has family health insurance plans. With the NHS, most people have opted not to get a policy in the past. But things are changing now as waiting lists are very long and some treatment is getting restricted. So, families are warming up to the fact that they can protect their health through private healthcare.
If you look at the internet, there are many myths about family health insurance. If you do not know a lot about the topic, you might believe them. So, we are going to clear up five popular myths we see a lot online.
Family Policies are Too Expensive
There is always the misconception that health insurance is costly. After all, the cost of NHS services is paid in your taxes, so most class them as free. As a consequence, when you talk about a family policy, it is automatically thought that this is going to be too expensive. However, it is important to realise that this is not always true. In fact, in some cases, it can be more cost effective to choose a family health insurance policy over individual policies for each family member.
Therefore, know that family health insurance policies can be affordable. There can be a policy that suits everyone in the family. The best way to find a policy that you like is to use a comparison website and shop around. This way, you can find a good price and coverage. Get insured through Usay Compare. This website will allow you to see different providers and what they can give you. What’s more, you will see the price you have to pay for a policy.
You Only Get Basic Cover
There is often the impression that since you are getting a family policy, you are only going to get basic coverage when it comes to health insurance. In other words, since there are many people on the policy, this means everyone only gets basic cover. However, this is not true. There is a range of different policies you can choose from, and they normally offer extensive coverage. Yes, everybody will receive the same coverage options. But this does not render it ‘basic’.
Again, the best thing you should do if you are interested in getting a policy for all of your family is to shop around. See what your options are and read what the policy will include. This will give you a good idea of what you can expect. Often, there are certain things that are always covered. This includes inpatient, day patient and some outpatient cover. There can also be cancer cover, as well as access to digital GP services.
You Cannot Choose Extras
Some people want to personalise their health insurance and make sure they are covered for extras. This includes travel cover when they go on holiday, or it can mean having cover for dental and optical treatments. But, many assume that this can only be done on individual policies. This is not true, and a lot of providers will allow you to choose extras for a family health insurance policy too.
Therefore, know that you are able to add to your policy and customise it to add other benefits. This might work out better for your family and what your needs are. Just explore the different providers to see what the extras are.
You Still Wait for an Appointment
As we have mentioned, the NHS has long waiting times. This means that if you want to see a doctor, you have to wait weeks. You can also wait a long time for treatment, which can be nearly a year or more. Many people speculate and say that you can still expect this type of wait with private healthcare. But this is not the case.
Know that when you have a family health insurance policy, you can often be seen very quickly. For example, you might only have to wait a week for treatment, which could be months on the NHS. You will definitely be seen faster.
Premiums Continue to Go Up Every Year
There are a few things that can change your family health insurance premium. For example, if you make a claim, this is likely to increase how much you pay each month or year. But, your premium does not automatically go up every year as a general rule. This is only going to happen if there are changes in some way.
Therefore, know that premiums do not just go up for no reason. You will not necessarily have to pay more each year. So, do not be afraid of rising costs as your policy might not change in any way if you do not make a claim.
