Health Insurance or Private Medical Insurance is designed to cover the costs of private medical treatment. Policy holders enjoy early consultations and fast treatment times without being subjected to long waiting lists. It may also mean treatment in a private hospital from some of the country’s top consultants and high patient/nurse ratios which can be crucial for a speedy recovery. These hospitals also insist upon high standards of comfort and catering as well as most having reduced risk of contracting superbugs such as MRSA.