Health Cover Claims of Insurance Holders Under Private Health Care Plans

Dec. 6, 2012 - PRLog -- It has been figured out that nearly one in every three patient in England who undergoes hospital treatment get NHS based treatment. Health treatment of large number of UK patients provided and funded by NHS despite of they are being eligible to get health cover through their policy. NHS provides cancer and emergency procedure of worth millions of pounds to patients who already have private cover. Health economists of private hospital group HCA International have released some health care related figures based upon their analysis on private health care usage.

·         Figures revealed that NHS spends up to £609 million in a year for surgical hospital/emergency medical treatment for people who are already covered under private health plans. NHS received 489,250 emergency admissions.

·         NHS has organized 254,500 planned operations and medical procedures which estimated £359 million for patients having private heath cover. On the other hand, private units have received only 607,870 elective admissions.

·         NHS has delivered £80 million to £125 million on cancer care of privately secured patients of planned and emergency admissions.

·         NHS provided and paid healthcare worth £968 millions in a year for health care and treatment of those patients who are eligible to claim under their private health insurance (http://www.privatehealthinsurance247.co.uk/) treatment plan.

The report does not disclose the reasons why private medical insurance benefits worth nearly a billion in a year go unclaimed. But analysis has made it clear that if more policy holder claim for their cover then NHS waiting list could be shorten and NHS savings will significantly contribute worth £20 billion by 2015.

Evidences show that several group policies do not ask patients whether they are privately covered. NHS usage do not focus on the reasons like policy restrictions (like pre-existing situations, minimum NHS waiting, specific treatment exclusions), cash benefits, high excesses and likelihood for higher future premiums while providing health care and treatment benefits.