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Six Week Clause - Working with the NHS
This post was taken from the Whitepaper ‘Ten Ways To Save On Your Company Health Insurance’ There are ten different methods that you can use to save your company money on your Health Insurance Costs.
‘If you’re not concerned about using the NHS but don’t want the risk of waiting more than 6 weeks, this could be for you’…….
What is the 6 week rule?
If, following a visit to a specialist in-patient treatment is required and the NHS can carry out the treatment within six weeks you have to use the NHS. If, however the treatment cannot be guaranteed to be undertaken within the six week period the insurance company will pay for you to go private.
Sounds simple enough! And it is! You would simply need to feel comfortable using the NHS, being in a shared ward and eating hospital cuisine….. On a serious note, if the main motivation for obtaining Private Medical Insurance is to limit the risk to the NHS waiting lists to a maximum of six weeks then this could be for your business.
Some people, and I confess to being one of them, would feel a little aggrieved having paid into Private Medical Insurance for many years to then be placed in a shared NHS ward and experience NO benefit from having Private Medical Insurance. But it’s not my money or cover, it’s yours. And in a time of financial constraints this is an excellent way of reducing the premium.
TIP: The reduced premium needs to be compared against a selection of alternative plans without the six week rule, since it is not uncommon to find a cheaper equivalent without the six week delay, therefore, why bother!
Ask yourself this question?
Would you mind using the NHS facilities if the delay could be capped to 6 weeks?
This is just one idea from 'Ten Ways To Save On Your Company Health Insurance.' If you want some help with reviewing this as a way of reducing company medical insurance or other aspects of your medical insurance just click the get a quote button below, even if you are not quite ready to make a decision we are please to help you in anyway we can.
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