We all want to live a healthy life and to remain healthy for as long as possible. Unfortunately there are only two sure things in life and to put it rather bluntly these are the tax man and death, we would just rather the latter be later in life than earlier.
Living a health life - national health insurance
The majority of people live a long, prosperous and healthy life, however some of us are not quite so lucky and fall victim to ill health, accidents and sometimes terminal illnesses. In countries which have national health services and insurances, private health insurance is always going to be viewed as a luxury item or 'nice to have'. The question is why should people take out an additional life insurance policy when they already pay in to their national health scheme?
There is no straight forward answer to this question, you have got to weigh up the pros and cons to decide whether or not you think a private health insurance plan is for you. Take seriously in to consideration the cost of such a plan, although private insurance does not cost the earth it certainly is not cheap especially if you have children and you want to include them on your policy.
Pros of taking out a private health insurance policy
One of the greatest benefits of having private health insurance is that depending on your plan you are not required to join a huge waiting list which, forgive my expression are sometimes be as long as a toilet roll. If you urgently require a life saving operation or you need to resolve a health problem which is causing you a lot of pain and discomfort, receiving urgent treatment can be the difference between life and death or living comfortably and living in pain and discomfort for a long period of time. A private health insurance policy usually means you will be admitted to a private hospital within a matter of days instead of months or even years in some cases, this can be life saving, at which point your decision to invest in private health insurance was a very wise one and well worth the investment.
Cons of taking out a private health insurance policy
Taking out a private health insurance policy usually comes down to cost. Paying a monthly premium for something which you may or may never use throughout your life can be difficult to justify and the thing which niggles you most is that you will never know whether or not you will need it or have to make a claim. A private health policy can cost you and your family thousands of pounds or dollars throughout your lifetime, this money could be put to other good use, especially considering that some of you may already pay in to a national health scheme, however do not let this article persuade you either way, you need to make your own decision.
Private insurance premiums also have a tendency to increase as you get older, this is because statistically as you get older you are more likely to need to make a claim so the older you get the more you pay.
Summary
In my personal opinion there are very few things in life more important than our health so there are few better investments than a good private health insurance plan that has been designed to maintain your health.
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