Insurance Guides & Resources

Welcome to the insurance hub of Debbie Ellis Health Hub. Here you’ll find plain‑spoken advice on everything from NHS rules to private health plans, surgery financing, and ways to stretch your medical budget. Want to know when you need private cover or how to avoid surprise bills? You’re in the right place.

Health & Medical Insurance Basics

First things first – in the UK most care is free at the point of use thanks to the NHS. That doesn’t mean you never need extra cover. Private health insurance can give you faster appointments, a private room, or treatments the NHS doesn’t offer. Our article “Is It Mandatory to Have Health Insurance in the UK?” breaks down who actually needs a policy, what the NHS covers, and when buying extra cover makes sense.

If you’re a young adult, you might wonder when your dependent coverage ends. “What Age Does Health Insurance Coverage End?” explains the age limits for dependent policies and what to do when you turn 18, 21 or 26.

Switching between NHS and private care can feel confusing. The guide “Switching Between NHS and Private Healthcare: What You Need to Know” walks you through the steps, from getting a private referral back to re‑entering NHS waiting lists.

Managing Surgery and Treatment Costs

Big procedures can hit your wallet hard. “How to Afford Expensive Surgery: Practical Solutions for Medical Costs” shares real‑world ways people fund operations – from payment plans to charitable grants – without draining savings.

Thinking about a private room in an NHS hospital? Our piece “Can You Pay for a Private Room in an NHS Hospital?” tells you the costs, the booking process, and when it’s worth it.

For those planning cosmetic work abroad, “Top Countries for Cosmetic Surgery: Where Safety, Skill & Price Meet” compares safety standards, surgeon expertise and price ranges, so you can pick a destination that fits both your budget and peace of mind.

Every insurance article on this tag includes clear take‑aways: what to check before you sign up, hidden fees to watch for, and simple steps to keep your medical expenses under control.

Use this page as a launchpad. Click any headline to read the full guide, then apply the tips to your own situation. Whether you’re sorting out NHS eligibility, debating private cover, or planning an expensive operation, we’ve got the straightforward advice you need to feel confident about your health finances.