Health Insurance can provide security and confidence for anyone who cannot afford to be ill or injured for long periods of time.  NHS waiting lists for non-life threatening procedures can be long, which is inconvenient for anybody suffering with a chronic condition.  Meanwhile, that person may not be able to work during the waiting time, which will have an effect on their income and the family they support.  More and more people are turning to private healthcare treatments in order to bypass the waiting lists, be treated promptly and get back to work as soon as possible.

However, private healthcare comes at a high cost.  Specialist consultations, surgeries, medicines and nursing costs in private hospitals can be incredibly expensive. Health insurance can pay for all of this. Considering the cost of these procedures or the potential loss of income when being ill, buying health insurance is a valuable investment.

Health insurance may be particularly useful for anyone who has dependents such as young children or elderly parents, and cannot afford to lose their earning power for long periods of time or to be unable to take care of their family.  It may also be beneficial for professional sports players or others with a very active job, who need to ensure they remain fit and healthy.

Young people may feel that they are completely healthy and do not require health insurance, but buying a long term policy may be a good investment for the future, as medical problems are more likely to occur with age. Nobody can fully control their future health but they can plan ahead and protect themselves with health insurance.