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Insured private healthcare admissions at near-record levels

Did you know private healthcare admissions are up, according to the Private Healthcare Information Network (PHIN)?

The network said this could reflect a growing awareness of and appetite for PMI. Something, unfortunately, reflected in the long wait times on the NHS.

However, the research shows that admissions paid for with PMI are mostly employer-funded schemes. Meanwhile, total self-paid private hospital admissions (paid for by the patient or their family) were 32% above pre-pandemic levels. 

These figures could reflect the long wait times for health services. But also, the growing need for companies to support the health of their staff. 

Diagnosing conditions at an early stage is so essential to avoid serious illnesses. People are increasingly opting to go private rather than face the day-to-day pain of a persistent condition. Or even the risk of going untreated.

If most people in the UK had PMI, it could impact the NHS in various ways. 

With more people seeking private care, the NHS might experience reduced demand for elective surgeries, diagnostic tests, and routine consultations. This could result in shorter wait times overall. Helping those who still need public care. And also take the pressure off emergency services for all. 

With fewer demands on specific services, funds could be reallocated to underfunded areas like mental health, social care, or innovation. Increased competition among private providers might drive innovation and improvements in healthcare delivery.

However, the government will still have a role in regulating PMI to ensure coverage is comprehensive and accessible. Policies could be introduced to make PMI affordable for low-income groups or to encourage universal participation.

The NHS is a cornerstone of British society, but universal PMI could help support the system. No private plans cover everything, so a blend can ensure you get the best care by paying for services you can afford. The NHS would likely remain the primary provider for complex and emergency care. 

Are you interested in taking out private medical insurance? Or do you want to update your policy? We can refer you to a trusted partner.
 

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