
One of the UKs leading advisory firms, Bury St Edmunds based Beckett Financial Services, sets 1st May as the launch date for its new wealth management service.
Should NHS patients be able to self-pay for additional treatments – to ‘top up’ their NHS care with additional private treatment? Several high-profile cases where patients have wanted to top up their NHS treatment, but have been refused, have attracted significant media attention and stimulated much debate.
Under the current system, patients are not allowed to supplement their treatment by self-paying. NHS rules ensure that patients are prevented from combining private and public healthcare. Department of Health (DH) guidance states: “A patient cannot be both a private and a NHS patient for the treatment of one condition during a single visit to an NHS organisation” (DH, 2003: 10). Applying this rule has led to cases where patients who self-fund for treatments that are excluded by the NHS have been denied access to any NHS treatment for that condition.
In the top up debate there are two very polarised points of view. On the one hand banning top ups is seen to be preventing people spending money as they wish. If a treatment is available and the NHS will not fund it banning top ups takes away the individual’s right to purchase that treatment without restricting their NHS care.
On the other hand, topping up is seen as an issue which affects the underlying principles of the NHS. This, it is argued, is a slippery slope to reducing the NHS to a minimum safety net service in which even effective treatments would require a top-up payment.
The issue over top ups has come to the fore in the main because of a new cutting edge treatments and the NHS’s rationing system carried out by NICE.
In recent years a new generation of cutting-edge drugs, particularly for the treatment of cancer, have become available. These drugs are more likely to be personalised to the individual patient, meaning they are likely to work in specific cases, but will not be effective for most patients. However, they are also more expensive than current treatments and these drugs may fail the kind of cost-effectiveness tests that the National Institute for Health and Clinical Excellence (NICE) and commissioners apply. Since the introduction in 1999 of NICE assessments of new and existing treatments, the NHS has become more explicit about the need to prioritise which treatments should and should not be funded.
The rules are currently being challenged by cancer patients who wish to purchase drugs that have not been approved by NICE and who face being denied the rest of their NHS treatment package as a result. Campaigning organisations like Doctors for Reform have argued that it is unlawful to deny NHS treatment to patients who complement their care by purchasing additional treatments. However, both the Government and PCTs have argued that allowing patients to top up their treatment would undermine the NHS principles of equity.
It is likely that the rules over top ups will be changed mainly due to the following reasons:-
This is an area which is likely to get a lot of coverage in the media in the second half of this year as the Government begin to address top-ups and the gap that is emerging between public funding and the cost of modern treatments.