ROLE OF HEALTH INSURANCE COMPANIES IN UK

Written By

 Shoaib Shah Al Asadi








As

     we all know that around the globe health sector is one of  the major department of any country. no matter what a country is in peace or in a war situation health department is only the hope for the nation.

today i am going to discuss about the role of health insurance companies  in UNITED KINGDOM

but 

     before going in to the topic you must have to understand about the health system of the country without that you can not find the topic helpful.


The United kingdom spends a fortune on health care each year, and health care spending has grown steadily since 1997, reaching  54.9 billion. As of 2018, healthcare spending in the UK stood at 214 billion British pounds, an increase of 16.6 billion British pounds on healthcare spending in recent years.

source:https://www.statista.com

             Health care in the UK is mainly provided by the NATIONAL HEALTH SERVICE , a public body who provides the health care to all permanent residents of the united kingdom.

                             National health services (NHS) was launched in July 1948, it is known worldwide for being first healthcare system and  funded by general taxation .which provide free care at the point of use .it fully recognizes health as a right.

                             The secretory of the state for health and social care is a senior minister of the crown within the Government of the UNITED KINGDOM .And leads the department of health and social care responsibilities for the National Health service of ENGLAND

                             The secretary serves as a principle advisor to the prime minister of united kingdom on all health matters and issues.


down below these are the services provided by NATINAL HEALTH SERVICES IN THE KINGDOM 

                   The NHS is very comprehensive, and as long as you are a normal resident (legally resident in the UK ,settled and volunteering). it is entitled to follow free services.

  • Consultations with GP ( general practitioners) and nurse
  • Treatment at accidents and emergency 
  • Treatment for minor injures in clinic
  • Maternity services 
  • Sexual health services and contraception 
  • If referred by your GP, treatment with specialist 


with some exemptions ( people with chronic illnesses, cancer sufferers ),

patients are required to pay for :

  • Prescriptions 
  • Dental care 
  • Eye care
  • Wigs and fabric support 


           Now its time to jump in todays topic about  role of health insurance companies in UK .

                       As  

                               let me brief you on how the health system works.it will be easier for you to understand what the goals of such companies are , and why a strong health system is needed.

                                Health Insurance companies pay for private medical treatment , test and surgery if you become ill or injured during the policy term.it is usually designed for severe conditions, 

                                 which are curable and short term. as a client you just have to pay a monthly for your health insurance ,which is called the premium .



it have a design to provide the treatment as well as services provided by the NHS.

for example :

 Appointments with your GP would still through  the NHS but medical insurance you could get 

  •  Treatment sooner 
  • A choice of where you get treatment 
  • Private room
  •  A wider range of treatment types 

And those things you can not get are,

  • Chronic illness
  • Elective treatment 
  • Treatment for drug abuse 
  • Treatment aboard ( should be covered by your travel insurance )
  • care and treatment during pregnancy 

In health insurance what types are available ,

  • Yourself 
  • You and your partner with a shared policy
  • Your whole family 
  •  Your child 
 

How much it cost,




 
  • Your medical history 
  • Your family history 
  • Your life style 
  • What you cover 
  • Your age

                       In this modern age , not a single government can run the system alone .so for the better system private partnership make government's hand stronger. with this collaboration government establish polices and a mechanism to facilitate the nation in a better way. 

if you read the whole article you will get a clear picture in your mind that these two sector are working together in a perfect mechanism .both sides have there own way to provide the service but at the end nation is been facilitated in a better way.


If you find this article helpful do write a comment 




Comments