Health Insurance
Pru Health
PruHealth is the award winning health insurer that recognises and rewards healthy living. By actively looking after their health, PruHealth members could make significant savings on their premiums. PruHealth’s benefits include: - Save on your first year’s premiums by answering five simple questions. - A No Claims Bonus of 25% of this year’s premium towards the cost of next year’s renewal, providing no claims have been made in the current year - By looking after your health through PruHealth’s Vitality rewards programme, this saving could increase to 50%, 75% or even more. - Discounts with PruHealth’s health and wellbeing partners.
www.pru.co.uk
Norwich Union Life Insurance
Life insurance is one of the most important things you can do for your family. That’s why Norwich Union makes it easy to get the cover you need. You can buy online or over the phone from as little as £10 a month. And that’s a small price to pay for peace of mind.
www.norwichunion.com
Tesco Health Insurance
Quality cover for you and your family with Tesco Health Insurance. Low premiums and no-claims discounts - plus first month free valid until 27 March 2007. Choose from over 250 private hospitals - avoid NHS waiting lists. Cover for self-employed. No medical history required for up to age 75 years.
www.tescofinance.com
Low cost life cover – Legal & General
Life insurance cover is an easy way to help protect your family financially. They offer value for money cover, which includes terminal illness cover at no extra cost. Their life insurance premiums start from just 20p a day.
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AXA PPP Healthcare Cash Plan
CashBack is the AXA PPP healthcare cash plan that can provide money back to help pay towards the healthcare bills received for things like dental treatment, a new pair of prescription spectacles, or for visits to a consultant or hospital stays.
www.axa.co.uk
MORE TH>N
Insure your car, home, family, pet, money and yourself. They offer the usual insurance products but often add 'a twist' to the policy, giving you added value.
www.morethan.com
Pinnacle Insurance Plc
They aim to provide their customers with products that meet their needs better than those available elsewhere and with a level of service that is efficient, professional and delivered to the highest standards. They aim to remain enthusiastic and innovative.
www.pinnacle.co.uk
Hifac Private Medical Insurance
Online quotation service comparing the UK's leading medical insurance providers, with advice to individuals and companies looking to establish a scheme. Once you have compared costs, you can then compare provider's cover side by side to select a policy that suits your budget and offers the cover required.
www.hifac.co.uk
Virgin Money
A haven of clarity, good value and common sense in the chaotic internet jungle. We make it easy for you to compare the products you're interested in and give you all the providers' contact details.
www.virginmoney.com
Direct Line Financial Services
Direct Line offer UK insurance, mortgages, savings and financial service products. Their basic philosophy is to offer consumers clear, straightforward, good value alternatives to products which are sold through traditional distribution channels.
www.directline.com
Health Insurance Explained
Health insurance is designed to supplement rather than replace treatment on the NHS, enabling those covered to receive swift treatment for ailments typically associated with long waiting lists. For this reason health insurance plans provide varying levels of cover for acute illnesses which tend to respond well to surgery or treatment rather than ongoing illnesses and those which require emergency treatment.
There are several major types of health insurance, the most comprehensive of which tends to be Private Medical Insurance (PMI). PMI plans cover the diagnosis and treatment of a whole range of health problems. One of the major advantages of taking out a PMI plan is that when you require treatment you will be subject to minimal waiting times and able to undertake it as soon as it is convenient for you to do so. This means you spend less time feeling unwell and due to the swift diagnosis and treatment offered, can result in a better prognosis.
After referral from your GP you are often able to choose both the specialist who will carry out your treatment and the hospital in which it will take place. The majority of private hospitals offer single occupant, ensuite rooms to ensure you can rehabilitate comfortable, private ambulances to transport you to and from the hospital if you are unable to drive yourself and a varied and freshly prepared menu to choose from.
Depending on the level of comprehensiveness of a private medical plan features such as maternity bonuses, counselling services, home nursing, complementary therapies and cashback for time spent in an NHS hospital may also be offered. By comparing the features and benefits that each PMI plan offers you should be able to choose a sufficient level of cover to provide you and your family with the peace of mind that should you need treatment, you won't have to wait.
Critical illness cover is an additional form of health insurance and is designed to provide you with a lump sum payment if you contract one of the critical illnesses specified on the policy (i.e. cancer or heart disease). The associated monthly premium will depend on several factors including age, sex, whether you smoke, the health of direct family members and the level of cover you choose. Many people choose a level sufficient to pay the remainder of their mortgage and cover other living expenses so as to protect their home in case they are unable to work.
When choosing a critical illness plan it is important to check which critical conditions are covered as this varies greatly between providers. Although a more comprehensive plan which covers a wide range of critical illnesses will provide better insurance it is also likely to come at an increased cost. For this reason some prefer plans that cover only the most common forms of critical illness at a reduced premium.
Cashback plans are a supplementary form of health insurance designed to help towards the cost of common health care treatments. For a small monthly premium they include benefits such as cashback when you take a trip to the dentist, visit an optician, require physiotherapy or undertake other forms of complementary therapy. They are also likely to provide maternity benefits and cashback for each night of a hospital stay. A good cashback plan can provide an affordable way for you and your family to receive private treatment for the health services you are likely to use most.
Each type of health insurance offered is likely to be split into a number of levels with more comprehensive levels attracting a higher premium due to the increased benefits offered. Before committing to any health insurance plan it is important to check that the benefits offered within a specified level are in line with both your own and your family's health care requirements.
By choosing a sufficient level of health insurance for your needs you will have the reassurance in place that should the unexpected happen, you have the protection in place to ensure that you can receive the best treatment when you need it.
