One of our mortgage clients recently required a back operation and was informed that the NHS waiting list was over five months long. Wanting to avoid the delay, they opted for private treatment, which significantly sped up the process but came at a high cost, covering consultations, surgery, treatment, aftercare support, and physiotherapy.
Client's experience
While the private route provided faster access to care, the unexpected costs made them realise the importance of having private medical insurance. To prevent a similar financial burden in the future, we will be supporting them in sourcing private medical insurance.
Key benefit of private medical insurance:
Although the client has already received treatment for their back, a new policy ensures that if the condition remains stable and does not require further treatment within two consecutive years of coverage, they will be eligible for future care under their plan.
Client benefits
This case highlights the value of private medical insurance in providing timely access to healthcare while avoiding significant out-of-pocket costs.