Health Insurance For UK Contractors

Health Insurance provides cover for private medical treatments. Typically, health insurance helps people avoid NHS waiting lists and provides a greater choice of when and where treatment takes place, in a private hospital under the care of a private specialist medical professional.

Over the last few years, the scope of health insurance has widened to include access to GP services and Health and Wellbeing support. Depending on your needs, policies can cover individual people, families, multiple families, and businesses of all sizes.

Why have Health Insurance?

Individuals and Families

If you’re an individual or a family the motivation to purchase Health Insurance is usually to provide peace of mind and choice. The NHS is a fantastic organisation which we are all rightly proud of. However, it is often under pressure and there can sometimes be delays in getting treatment, especially for non-life-threatening conditions.

Health Insurance can provide the peace of mind that comes from knowing that you have a choice. The ability to get a diagnosis and treatment quickly. A choice of who provides the treatment and where you have it. It also often provides other benefits that can just make life that little bit easier, especially if you have a busy lifestyle. Access to a remote or online GP service which provides a consultation with an NHS qualified GP within 24 hours, is both convenient and reassuring.

• Prompt access for diagnosis and treatment
• Choose when and where you are treated
• Cover for potentially lifesaving drugs not available on the NHS
• Increased comfort and privacy

Companies

For companies, the motivations can be similar to individuals, but often there are several additional reasons to consider Health Insurance. The most important asset for any business are the employees. Most companies, big or small, have people who they just can’t do without. That can be down to the skills they have or the years of knowledge they’ve built up. A well-designed company health scheme can look after your key people, but it can also offer so much more for all employees:

• Reduced absence rates – Early diagnosis and treatment helps employees return to work -more quickly
• Better staff retention – Health Insurance is consistently considered one of the most valuable employee benefits
• Improved recruitment – Offering Health Insurance benefits makes a company’s brand stand out against competitors
• Employee engagement and productivity – Health Insurance packages often come with Health and Wellbeing support which helps encourage employees to be healthier, and can improve overall productivity

What type of benefits are available?

Typically, a good Health Insurance plan can be tailored to your needs, whether you’re an individual or a company. Plans can have a blend of benefits which include:

• GP services – to provide easy and convenient access to a GP who can prescribe medication
• Consultations with a Private Specialist – if your GP can’t deal with your issue, they will often refer you to a Specialist to help diagnose the issue or provide treatment
• Diagnostic tests & scans – Your specialist will often use diagnostic tools such as MRI and CT scanners to help diagnose the problem and develop a treatment plan
• In-patient treatment – This is where you stay in a private hospital for the treatment your Specialist has recommended
• Day/Out-patient treatment – Again this will be treatment recommended by your Specialist but can be done without the need to stay in a private hospital overnight
• Therapies – Such as physiotherapy or chiropractic treatment
• Dental – These benefits are often cash back for dental care such as check-ups or filings. They can also cover dental injuries and emergency dental treatment
• Optical – Cash back for eye tests, glasses and contact lenses
• Health Assessments – Help to cover the cost of Health Assessments to identify any issues early before they become a major problem

Health Insurance can be confusing, we at SDS Health Ltd are specially trained with over 14 years of experience to help understand your needs and use the range of WPA Health Insurance plans to create a solution that is tailored to your needs.