Options for Private Medical Care in the UK for Serious Conditions
Critical illness insurance can fund private medical care through its tax-free lump sum payout. Options include private consultations, faster diagnostics, private surgery, cancer treatment, and overseas specialists. Many policies also include second opinion services and wellbeing benefits as standard, providing access to private healthcare even before a claim.
How Critical Illness Supports Private Care
Second medical opinions
Many policies include access to world-leading specialists for diagnosis review
Faster access
Skip NHS waiting lists for consultations, scans, and treatment
Private treatment
Use your lump sum to fund private surgery, chemotherapy, or rehabilitation
Complementary therapies
Fund holistic treatments, counselling, and wellbeing support during recovery
Frequently Asked Questions
Can critical illness cover pay for private treatment?
Yes. Critical illness provides a tax-free lump sum you can use for anything, including private treatment, experimental therapies, overseas specialists, or to fund care while waiting for NHS treatment.
Is private medical insurance different from critical illness?
Yes. Private medical insurance pays for specific treatments directly. Critical illness gives you a lump sum upon diagnosis regardless of treatment costs. They complement each other.
Do some policies include private healthcare benefits?
Yes. Many critical illness policies include second opinion services, counselling, and access to private specialists as added benefits at no extra cost.
What private care options exist for serious conditions?
Options include private consultations, diagnostic tests, surgery, cancer treatment, rehabilitation, and palliative care. Some may seek treatment overseas for cutting-edge therapies.
Related Questions
This page provides general information only and does not constitute personal financial advice. Critical illness insurance products and their terms vary between providers. Always read the policy documentation carefully before purchasing. Your Home Finance is authorised and regulated by the Financial Conduct Authority.