What are private health care insurance and its pros and cons?

The private health insurance provides the alternative for those peoples who don’t have any health care insurance agreement with the employer or for those who wants the supplemental services of the health care. It is a good alternative for government and public health care plans. These private health insurance plans are very famous in the United Kingdom and United States. Most of the health care systems and polices are of private kind in the united kingdom because of the lower chances of getting public health care plans. The history of the private insurance plans roots back when the village doctor treat a small group of individual in a selective area. Now these systems are getting advanced and have various type of coverage for both individual and for the family coverage as well.

The Private Health Insurance gives many benefits to the customers and it includes all the basic services of the health care. The best part of these private health care systems is the facilities that you will not able to get in the public health programs. You can take these private health care plans whenever or wherever you are. The best part of it is, if you leave your job or terminated, even then your insurance coverage provide you the facilities as you were getting earlier. Another good thing about the private health insurance is the freedom of choosing your own coverage plan. In the employers health care plan the employer dictates you to choose the plan that are available at the time, however in case of private insurance coverage for health you are free to chose your own health coverage according to your needs and requirements. In this regard you can better choose the health coverage policy that suites fit for you and for your family .

However there are many disadvantages as well, you can be dined for getting the private health insurance in many states and regions due to your health condition. This is a main disadvantage if you have any preexisting conditions of the health insurance plan or for your health condition you may not qualified for the health care plan. Additionally the premium of the health care insurance plans re too much higher to pay. These premium rates may be on the monthly or annually bases. The monthly premium to pay is much higher as compared to the annual basis premium on the private health insurance coverage. On the other hand the private health plans for the group of members re too much higher when we compare it with the single person. However the services are same for both individual or for the group of members. The risk factor in the low cost health insurance is higher as compare to the highly paid premium because the low coast premium insurance plans may not give you’re the effective service of health care.