Knowing that you have private health insurance can provide peace of mind that you and your family will receive timely access to care when it’s needed. You could experience shorter waiting times compared to NHS patients as well as increased privacy and comfort in your choice of a less crowded private hospital. You could also have the freedom to choose your own doctor or specialist and even access treatments not available on the NHS. This all depends on your policy terms and conditions.
Honestly? Right now. Most medical plans exclude pre-existing conditions, which means you should consider the merits of private care when you’re healthy. And if you then need treatment for illness or injury, you’ll have the peace of mind of knowing that it’ll be available without the need to queue. There’s no obligation to take out a policy when you get a quote, but it’s always wise to know your options.