As the UK NHS continues to become more and more overstretched there are serious concerns about the medium to long term future of this well respected institution. The UK NHS system is unrivalled around the world although unfortunately this has attracted many overseas "health tourist" who in the past have been known to leave without paying for their treatment. As funding because more and more difficult, not assisted by the ongoing UK recession, many people are now looking towards private health care insurance for themselves and their family. But this is really the way forward?

There's no doubt that great areas of the NHS and general health care in the UK are no longer free of charge with significant costs often attached. There's also the problem regarding NHS waiting lists with many people discussing the "postcode lottery" which sees different levels of treatment and different waiting list times in different areas of the country. As a consequence we are seeing more and more people consider private health care insurance both for themselves and for their family.

While there are significant benefits from private health care insurance there are obvious costs associated which need to be considered. Perhaps this is something you should discuss with your professional financial adviser?

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