Why Consider Private Medical Insurance: Insights from the Frontline of Healthcare


A recent poll has revealed that one in four General Practitioners (GPs) in the UK has private medical insurance due to increasing concerns about NHS waiting lists. What does this mean for you and your family? This page explores the reasons behind this trend and highlights the importance of considering private healthcare.

1. Escalating NHS Waiting Lists

  • Record Highs: NHS waiting lists in England have reached record levels, with 7.47 million patients waiting for routine hospital treatment.

  • Long Waits for Various Treatments: Some routine mental health appointments are taking up to 18 months, while other specialised treatments like ADHD/ASD assessments can take up to four years.

2. The GPs' Perspective

  • Personal Concerns: 21% of GPs have personal private medical insurance, 4% funded by employers, and 15% are considering taking it.

  • Reasons Behind Private Insurance: Many GPs cite long NHS waiting lists and the need to maintain their health to continue working as key reasons.

3. Real-life Stories & Insights

  • Children's Treatment Delays: One GP's two-year-old son faced a year-long delay for essential ear surgery.

  • High Cost of Private Treatment: The cost of private care can be significant, but for some, it's essential.

  • Cancer Treatment Concerns: Some GPs express lack of trust in timely cancer diagnosis and treatment through the NHS.

4. Government's Efforts & Challenges

  • Government Priorities: Cutting waiting lists is a top government priority, and there are plans to recruit 6,000 new doctors by 2024/25.

  • Challenges Ahead: Meeting recruitment targets and reducing waiting lists remain significant challenges.

5. Why Should You Consider Private Medical Insurance?

  • Avoid Long Waiting Times: Private insurance can reduce the waiting time for necessary medical procedures.

  • Peace of Mind: Knowing that you can access timely healthcare when needed.

  • Support the NHS: By going private for certain treatments, you can free up NHS resources for those who can't afford private care.

Conclusion: What Does This Mean for You?

These insights from the medical community reflect an urgent need to address the NHS's waiting list crisis. As individuals, considering private medical insurance might not only be a practical solution for faster treatment but a way to alleviate pressure on the NHS. Understanding your options and evaluating them based on your and your family's needs could make a significant difference in your healthcare experience.

Additional Resources

Read the full article in the published in the Independent on 31st July 2023 here

As with all insurance policies, conditions and exclusions will apply

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