Dentists Who Invest Podcast Should Dentists Have Private Medical Insurance Or No? with Warren Robins [CPD Available]
Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
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Your hands, your back, your focus—your livelihood depends on them. When a sudden injury or diagnosis collides with long NHS waits, the real cost isn’t only medical fees; it’s months of lost earnings and momentum. We sit down with insurance expert Warren to break down how private medical insurance helps dentists move from symptom to specialist to treatment in weeks, not seasons, and why that speed can protect both your health and your career.
We start with the essentials: what private medical insurance covers and how it differs from relying solely on the NHS. From consultant appointments and diagnostics to hospital stays and surgery, we explain what “core cover” buys you and where optional add‑ons like unlimited outpatient diagnostics, therapies, and mental health support can transform the experience. We also dig into the postcode lottery for advanced cancer drugs, showing how access through private pathways can be decisive when time and options matter most.
Money questions take centre stage. We compare self-funding with real numbers—£3,000 scans and five‑figure surgeries—against the predictability of premiums. You’ll learn why pairing PMI with income protection can be a powerful combo: one safeguards cash flow, the other shortens your recovery timeline. We cover tax treatment for personal and company‑paid policies, and share practical cost controls, including setting a sensible excess that cuts premiums and choosing physiotherapy networks that don’t push up renewals. For dentists facing musculoskeletal strain, stress, or the risk of burnout, these details add up to better outcomes and fewer unpleasant surprises.
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