health-insurance

Best Ways To Get Affordable Health Insurance In Bournemout

Bournemouth is by far the most dangerous city in all of Dorset. The overall crime rate in Bournemouth in 2021 was 93 crimes per 1,000 people.

 Bournemouth presents high health and safety risks more than most areas in the UK due to its high crime rate coupled with the country having a high health cost.

 And you may find yourself with an unpleasant surprise in the form of an invoice if you suffer any unforeseen event. 

The health system in the United Kingdom offers free, taxpayer-funded health care to all people living in the United Kingdom (England, Northern Ireland, Scotland, and Wales) through the NHS (national health service) and is regarded as one of the best, and safest and cheapest health care systems in existence.

 However, you can also access the private healthcare system – which many people in the UK choose to do. 

You may be wondering why you should consider private health insurance on top of what the NHS offers.

While it is true that many NHS services are free and accessible to both Brighton residents and visitors, many other services are not covered. 10.5% of the UK population also have private health insurance, suggesting that the NHS has some flaws.

It is possible to take out a local policy for your health insurance in Bournemouth, but it is recommended to use an international insurance company.

What does the NHS cover?

The NHS provides all kinds of health care services free of charge, as long as you are considered a resident. This includes a wide range of medical conditions and treatments, such as:

  • accident and emergency
  • care services
  • Chronic diseases
  • hospital treatment
  • maternity care
  • Mental Health Services
  • Minor injuries
  • Physiotherapy
  • Specialized treatments

While most medical services provided by the NHS are free, there are some exceptions that you will have to pay for, including:

  • Medication prescriptions cost £9.35 per item.
  • Dental treatment, from £22.70 for examination, diagnosis, scaling, polishing, and preventive treatments, up to £282.20 for work such as crowns, dentures and bridges.
  • Eye exams range from £20-70 for single vision lenses to over £110 for other services.
  • Wigs and fabric support, ost from ~£30 for a surgical bra to ~£300 for a full, custom-made human hair wig.
  • GP (general practitioner) services for the provision of certificates for a health insurance policy.

Some NHS services are available to everyone, including non-UK residents. These include:

  • Emergency treatments (although there are health care costs for emergency surgeries) at NHS hospitals.
  • Family planning services (excluding abortions and infertility treatment)
  • Treatment of infectious diseases.
  • Treatment of physical or mental conditions caused by torture, female genital mutilation, domestic violence, or sexual violence.

How To Access The UK public Health System in Bournemouth

If you are an NHS patient, the first place to go for most problems is your local doctor or GP (general practitioner). 

Once you’re registered with a GP, you can book consultations for free – either online via the NHS website, by phone or in person. That said, you’ll rarely be able to get a same-day appointment, and walk-in practices can be quite busy.

Appointments with the GP usually last around 10 minutes. They will give you a referral if you need specialized treatment. For emergency care, you can go directly to the Accident and Emergency (A&E) department of NHS hospitals.

Do You Need private Health Insurance in The Bournemouth?

There are still a few reasons to consider taking out private treatment cover:

If you think you may need treatment or service not covered by the NHS for free, such as dental care or specialist medicine.

If you want to see doctors or specialists without the long waiting times of most NHS services (currently even longer due to coronavirus).

If you prefer to choose which doctor or hospital to go-to for any procedure or treatment, or even access medicines and treatments that are not usually available on the NHS.

If so, you’ll likely want second opinions or more tests to make sure you’ve considered all of your options before getting treatment.

If you want to have the peace of mind of knowing that you can receive a bed in a private hospital and have visited 24 hours a day.

In short, private health insurance allows immigrants to access UK private health care and have more control over their medical treatment needs.

How to Reduce Costs of Private Health Insurance Premiums in Bournemouth

Degree of Outpatient Cover

A great measure of Private Medical Insurance (PMI) products will provide cover for inpatient treatment in full (i.e. situations where a stay in hospital is required).

It is in the degree of outpatient treatment that the premiums can differ considerably as claims are more frequent.

Outpatient treatment includes any scans, tests or specialist consultations where a stay in hospital is not required.

The three options tend to be no outpatient treatment, a level of outpatient treatment capped at a limit i.e. £1,000 per policy year or covering the outpatient treatment in its entirety.

Usually, the lesser the level of outpatient cover provided the lesser your monthly premiums.

6 Week Wait Alternative

The 6 weeks wait alternative was introduced into the PMI market to provide a more cost-effective option to individuals who were priced out of the market.

With the 6-week wait alternative, the policyholder agrees to receive treatment via the NHS should the waiting list for treatment of their condition be less than 6 weeks.

Should in case the NHS waiting list be more than 6 weeks, the policyholder is eligible to receive treatment privately immediately. By picking the 6 weeks to wait alternative premiums can reduce by as much as a third.

The 6 week NHS wait only applies to inpatient care (i.e. all care requiring the hospital bed be out in use), not outpatient care.

If you’ve chosen outpatient care on your policy, this will allow you to be seen privately as soon as possible for all outpatient diagnostic tests/scans. The 6 week NHS wait only comes to the fore after it becomes apparent you need inpatient care.

Hospital List

Most insurers offer a standard hospital list which covers a wide range of hospitals throughout the UK.

Nonetheless, there are then options to either increase or reduce that hospital list depending on your requirements.

Options to reduce the hospital list can often include a local hospital list limiting the hospitals in which treatment can be received. Some insurers go as far as offering hospital lists which limit you to private wings of NHS hospitals.

With all of these alternatives, it is imperative to understand the cover provided by each and the cost of that particular benefit before making any decisions on changing cover to reduce your monthly premiums.

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