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Is private health insurance right for you?

There's a reason that about 8 percent of UK residents- all of whom are granted free health care through the National Health Service- choose private health insurance: They want greater control over their medical care, and they don't want to be forced to wait, sometimes several weeks, for treatments or surgeries.

Long wait times and a lack of choice have long been two of the biggest complaints that UK residents have with the National Health Service. With private health insurance though, you won't have to wait to receive medical treatment. You're paying for insurance, so you'll gain instant access to medical personnel.

With private health insurance you'll also be able to choose your own doctor and often, your own hospital, though plans vary on this.

There are some potential drawbacks with private health insurance. Premium costs are on the rise. And some policies don't cover certain treatments.

Then there's the matter of finding the right policy. There are many companies offering their own private health insurance plans. It can be difficult sifting through all these policies to find the one that's best for your needs.

It's up to you to determine whether private health insurance is a wise decision. Do benefits such as lower waiting times and greater choice outweigh the potential cons? That's a question that only you can answer.

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