Title: Buying Low Cost Health Insurance. Word Count: 358

Size: px
Start display at page:

Download "Title: Buying Low Cost Health Insurance. Word Count: 358"

Transcription

1 抰 抰 抰 Buying Low Cost Health Insurance Title: Word Count: 358 Summary: There are many ways you can save on the cost of your health insurance but first you have to take into account the cover you want and if you are going to be taking individual cover or whether you are taking cover for the whole family. The cost of health insurance can vary greatly depending on the amount of coverage you need, if you were take all the options available in private health insurance then the premium would be astronomical and something which very few people can... Keywords: health insurance, PMI, private medical cover, health cover Article Body: There are many ways you can save on the cost of your health insurance but first you have to take into account the cover you want and if you are going to be taking individual cover or whether you are taking cover for the whole family. The cost of health insurance can vary greatly depending on the amount of coverage you need, if you were take all the options available in private health insurance then the premium would be astronomical and something which very few people can afford to do. Fortunately however, you can get good coverage for a decent premium by shopping around and following these tips. Always check the policy because it might include things which you don need, for instance if you are a single man and a policy includes costs for pregnancy then this obviously won be needed. While this might seem like common sense, it is surprising how many people don

2 look into what is in the policy they are buying. So always look into the different packages that are available. If you are considering the lowest cost health insurance then look into purchasing a policy that only covers major illnesses. Limited cover is one of the cheapest ways to buy private cover but take into account that minor illnesses and accidents will not be covered. You can keep the cost of the premium down if you offer to pay a higher excess. All policies will require that you pay something towards the cost of treatment before the insurance will kick in, this can start from something as low as?00. You could offer to share a percentage of the cost which will also bring the premium down that you will have to pay. While most people take out private insurance to beat the waiting lists that the NHS are noted for, it can help to bring your premium down if you choose to have a waiting period. For instance, you could choose a waiting period of 6 weeks and if during this time you can be seen on the NHS then all well and good, if not then you go privately. Title: Health Insurance?It's Important To Know What's Not Insured! Word Count: 1206 Summary: Around 7 million people in the UK are covered by health insurance, the majority being covered through their employers. The problem is that few have really studied their policy documents and many misunderstand what is covered. And perhaps just as important, what isn't. If you expect health insurance to pay all your health costs, you're mistaken. Health insurance is designed to provide protection for curable, short-term health problems and allow policyholders to jump the NH... Keywords: medical, insurance, what, is, covered Article Body: Around 7 million people in the UK are covered by health insurance, the majority being covered through their employers. The problem is that few have really studied their policy documents and many misunderstand what is covered. And perhaps just as important, what isn't. If you expect health insurance to pay all your health costs, you're mistaken. Health insurance is designed to provide protection for curable, short-term health problems and allow policyholders to jump the NHS queues to see consultants, be diagnosed, receive surgery or be treated. That sounds fine, but before you buy you need to appreciate the treatments and situations that fall outside the scope of the cover.

3 But first a word of warning. This article does not relate to any specific policy and the terms and conditions issued by individual insurers do vary. So please ensure you also check your policy documents. After reading this article, you'll know what to look out for! Sorry?it's a chronic condition If a condition can be cured and is not a long-term problem, your insurance company will classify it as acute and should meet the cost. If your problem is incurable or it's a problem that, despite appropriate treatment, will be with you for a long time, then your insurance company will classify it as chronic - and no, you won't be covered. But drawing a firm line between what is acute and what is chronic is fraught with problems, and leads to the biggest area of conflict between insurer and policyholder. Everyone agrees that diabetes and asthma are chronic conditions as you're likely to suffer from them for the rest of your life. So those sorts of condition are not covered. Problems arise when the medical team initially considers a patients' illness to be curable, but the condition subsequently deteriorates and the doctors change their mind, it's now become incurable. This can happen especially in the treatment of some types of cancer. 搇 In these circumstances, the condition is initially defined as acute and is therefore insured, but deteriorates and becomes chronic - and outside the terms of cover. This is possible as insurers retain the right to reclassify a condition from acute to chronic during treatment. Sorry - it's too long term The insurance company will not pay out for long term treatment. But you need to check your policy documents to see how they define ong-term? You can find the situation where a course of drugs extends for say 12 months, but the insurer will only pay for ten months. Sorry?it's preventative Your insurance is designed to pay for the treatment and cure of conditions when they arise. It is not designed to pay for treatments that are used to prevent an illness. Again, the problem of definition arises. Sometimes it is arguable whether a treatment is preventative or a cure. Take the drug Herceptin for example. This drug can be used in the early stages of breast cancer. Research shows that Herceptin can halve the incidence of cancer returning for women who have a particularly virulent form of the cancer known as HER2. In this situation, is Herceptin offering a cure or is it a preventative? Insurance companies are split on the debate. Norwich Union, WPA, BUPA and Standard Life Healthcare will pay for Herceptin for HER2 patients whereas Legal and General and Axa PPP will not. Sorry?the drug is not approved Two of the main attractions for taking out health insurance are: to jump the queues at the NHS, and to get the latest treatments and drugs. But there's a rider. Unless the drug has been approved for use by the NHS in England and Wales, by the Institute for Health and Clinical Excellence, your insurer is unlikely to approve its use. The problem is that the Institute's brief is not simply to decide whether a drug works, but to carry out a

4 cost/benefit analysis to ensure that the benefits to the nation outweigh the financial costs of using it in the NHS. Not an easy brief - and one that has placed the Institute under scrutiny for the extended delays in drug approval. The compromise hit on by the Financial Ombudsman is that if a health policy won't pay for the use of experimental 損 treatments, then it should meet the cost of an approved conventional treatment with the policyholder footing the bill for the balance if the experimental treatment is more expensive. Sorry?it's a pre-existing condition The basic principle is that if you are already suffering from a condition when you start a policy, then that condition re-exists?the policy and any claims for its treatment are invalid. For this reason, insurance companies insist you complete an exhaustive questionnaire before they agree to insure you. After all they need a clear picture of your medical condition before they quote. For many applications, the insurer will, with your approval, also write to your GP for specific details of your medical history. They like to have a complete picture. So lets say some years ago you injured your knee playing football. It appeared to recover but now it turns out that you have a torn cartilage and need an operation. The insurer could argue that this is a pre-existing condition and you have to pay for its' treatment. Some insurers try to accommodate these grey areas with a moratorium provision within your policy. These provisions typically say that so long as you have been symptom free for two years relating to any condition you've suffered from within the last 5 years, then they will pay for subsequent treatment. Not all policies have these moratorium provisions and the time periods do vary between insurers. You should carefully read your policy. Sorry?its not covered Health Insurance is an annual contract?just like your car insurance. So when it comes to renewal, your insurer is at liberty to review not only your premium but also change the conditions on which your cover is provided. Therefore, if your policy comes up for renewal mid way through a course of treatment, it's possible to find that your new policy no longer covers that particular treatment. This means that you will have to foot the bill for the balance of the treatment. Furthermore, with ongoing advances in medical research, more and more conditions are becoming treatable. This progress has the effect of shifting back the dividing line between chronic and acute conditions. This hits the insurers' pocket in two ways. With more conditions being reclassified as acute, the number of claims is increasing. And there's also a trend for new treatments to cost more?herceptin being a good example. The net result is that the insurers are finding themselves having to pay out far more. This is inevitably passed back to you through increased renewal premiums. And in an attempt to reduce their risk exposure, insurers have a tendency to adjust their definitions and exclusions. This means that you must read your renewal notice closely before you decide to renew.

5 抯 抯 So when you are considering Health Insurance, be aware that everything is not always black and white. And if you've got insurance and need treatment, always contact your insurer without delay and get them to confirm that your treatment is indeed covered Title: Small Business and the Health and Safety Plan Word Count: 628 Summary: Thousands of dollars can be saved by implementing a health and safety program for small businesses. Keywords: small business insurance,insurance discounts,insurance claims,small business forums,small business insurance,business liability Article Body: Small Business and the Health and Safety Plan Small businesses that have a voluntary health and safety program in place have fifty percent less accidents and reported insurance claims than that of their counterparts according to OHSA stats. Most small businesses fall below the legal requirements for having a formal health and safety program in place due to number of employees on staff. Sixty eight percent of reported accidents are in the service industry which shows even businesses such as retail establishments are not free of accidents. Setting a health and safety program in place will reduce costs. Having a program will reduce accidents and will lead to lower company worker comp premiums; further business insurance companies prefer their customers to have health and safety programs. These insurance companies might even discount the premium if a program can be proved to exist. The average cost of an accident is $68,000. Direct costs in accidents such as worker comp and fines levied can close a business. Indirect costs such as low morale of employees, legal fees, and retraining can be as costly if not more. A working program will: 1) Improve employee morale?shows care in their well being 2) Reduce revenue loses?fewer accidents keeps all employees at work 3) Give a boost to the customer?makes sure business is operating optimally A health and safety program can be started by writing a health and safety policy; this is simply values that a company wishes to convey in its work processes. Secondly, is how communication between all employees and owners will function. And lastly, put procedures in place to ensure safe practices.

6 抰 To find unseen hazards and unsafe practices, an audit needs to take place. Take a hard look at the workplace and record all factors that may lead to injury. These hazards might be dangerous chemicals or as simple as a letter opener. Identifying these hazards will lead to procedures to controlling them. Controls such as on run with scissors in your hands?are effective. Write all procedures in a manual. Implementing these health and safety procedures will be done with behavioral change. Some programs become weak and non effective because of: 1)No definition of safety practices?no written processes 2)No teamwork?safety is communication from the top to bottom and vice versa. A well written plan will describe what roles everyone plays in safety policies. 3)No effective goals?the ccident free days?poster will come as a result of sound safety processes. 4)Wrong incentives?money as a reward does not work well. Health and safety should be fun and worth employees effort. The right incentive plan can be cost effective and have obtainable goals. Incentive plans can include movie passes or simply ree coffee on the boss.?the insurance industry reports for a dollar spent on health and safety yields four to six dollars in savings. 揇 揳 Once all of the hard work of developing and implementing the health and safety program is done, set aside some time each month to review the workplace. Record what is found; this is a good practice to see dangerous trends that might occur such as a fire exit constantly being blocked. On the quarters of the year post a meeting with employees. These meetings are a great way to get vital feed-back from employees and keep them involved. At least once a year, do an audit to make sure your health and safety program is current with present business operations. A health and safety program is about as exciting as putting on a new roof and it is as important for your business. Knowledge of hazards in the workplace and how to control them will keep everyone safe. For help in getting started, drop us an at abbsafetynet@gmail.com. 揻

Are you buying private medical insurance? Take a look at this guide before you decide 2008

Are you buying private medical insurance? Take a look at this guide before you decide 2008 Are you buying private medical insurance? Take a look at this guide before you decide 2008 2 Private medical insurance Private medical insurance 3 Contents 1 About this guide 4 2 What is private medical

More information

Are you buying private medical insurance? Take a look at this guide before you decide 2008

Are you buying private medical insurance? Take a look at this guide before you decide 2008 Are you buying private medical insurance? Take a look at this guide before you decide 2008 2 Private medical insurance Private medical insurance 3 Contents 1. About this guide 4 2. What is private medical

More information

Are You Buying Private Medical Insurance? Take a look at this guide before you decide

Are You Buying Private Medical Insurance? Take a look at this guide before you decide Are You Buying Private Medical Insurance? Take a look at this guide before you decide 2012 ARE YOU BUYING PRIVATE MEDICAL INSURANCE? 3 Contents 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. About this guide 4 Understanding

More information

The business case for private health cover Aviva s guide to protecting your company and your employees

The business case for private health cover Aviva s guide to protecting your company and your employees The business case for private health cover Aviva s guide to protecting your company and your employees We are one of the UK s leading providers of health and protection solutions, and experts in providing

More information

frequently asked questions

frequently asked questions Healthcare benefits: frequently asked questions About healthcare benefits What is private medical insurance? Private medical insurance (PMI) is a scheme designed to meet the cost of private medical treatment

More information

TOP WAYS TO SAVE MONEY ON YOUR INSURANCE

TOP WAYS TO SAVE MONEY ON YOUR INSURANCE TOP WAYS TO SAVE MONEY ON YOUR INSURANCE It is a fact of life that insurance is an absolute necessity to ensure a healthy, happy, and low-stress life. However, as premiums are on the rise it is getting

More information

Priority Health. Priority Health and Priority Health 6 Summary. October 2014. Page 3

Priority Health. Priority Health and Priority Health 6 Summary. October 2014. Page 3 Priority Health Priority Health and Priority Health 6 Summary October 2014 Page 3 Contents About this summary 3 What is Priority Health? 4 1 Your Core health insurance 5 2 Choose your Add-ons 6 3 Find

More information

Quality medical benefits for companies with 3 29 employees

Quality medical benefits for companies with 3 29 employees APRIL UK PRIVATE MEDICAL INSURANCE PLAN FOR SMEs Quality medical benefits for companies with 3 29 employees www.april-uk.com Changing the image of insurance UK WELCOME TO APRIL UK - A NAME YOU CAN TRUST

More information

the compensation myth

the compensation myth the compensation myth The Compensation Myth It is common to hear stories of the Compensation Culture or claims that Britain is becoming Risk Averse as a result of people claiming compensation. The truth

More information

Illinois Insurance Facts Illinois Department of Insurance

Illinois Insurance Facts Illinois Department of Insurance Illinois Insurance Facts Illinois Department of Insurance Shopping for Individual Disability Income Insurance Updated January 2010 Note: This information was developed to provide consumers with general

More information

Choosing the Right Insurance For Your Life s Stages

Choosing the Right Insurance For Your Life s Stages Choosing the Right Insurance For Your Life s Stages The Financial Planning Association (FPA ) is the leadership and advocacy organization connecting those who provide, support and benefit from professional

More information

he Ultimate Baby Boomers Guide to Life Insurance

he Ultimate Baby Boomers Guide to Life Insurance The Ultimate Baby Boomers Guide to Life Insurance he Ultimate Baby Boomers Guide to Life Insurance Contents Life Insurance Quotes for Baby Boomers- 3 Our Best Advice How the New Living Benefits Riders

More information

How To Get Health Insurance In Illinois

How To Get Health Insurance In Illinois Health Insurance 101 A Step by Step Guide for College Students and Recent Grads Updated to reflect 2010 health reform changes! Are You Covered for College? Introduction When you re young and healthy it

More information

Copyright Notice & Legal Notice 2012 LifeNet Insurance Solutions 11505 Eastridge Drive NE Suite 420 Redmond, WA 98053-5758

Copyright Notice & Legal Notice 2012 LifeNet Insurance Solutions 11505 Eastridge Drive NE Suite 420 Redmond, WA 98053-5758 Copyright Notice & Legal Notice 2012 LifeNet Insurance Solutions 11505 Eastridge Drive NE Suite 420 Redmond, WA 98053-5758 Feel free to share this ebook (FOR FREE) with anyone you want to. All rights reserved.

More information

TRAVEL INSURANCE MADE SIMPLE

TRAVEL INSURANCE MADE SIMPLE TRAVEL INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance MAKE SURE YOU COVER UP IN THE SUN Whether you plan to soak up the sun in Spain, see the sights in Sydney or

More information

LANDLORD INSURANCE MADE SIMPLE

LANDLORD INSURANCE MADE SIMPLE LANDLORD INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance PROTECT YOUR ASSETS There's more to being a landlord than earning rent. You need to juggle lots of things

More information

Young Singles Considerations

Young Singles Considerations Young Singles Considerations As a young single, you re on your own without parental support for the first time. You could be finishing college, or you may be looking for or starting a new job. This stage

More information

Illinois Insurance Facts Illinois Department of Insurance

Illinois Insurance Facts Illinois Department of Insurance Illinois Insurance Facts Illinois Department of Insurance Pet Health Insurance August 2010 Note: This information was developed to provide consumers with general information and guidance about insurance

More information

Workers Compensation 101. Dave Young EMC Insurance Companies

Workers Compensation 101. Dave Young EMC Insurance Companies Workers Compensation 101 Dave Young EMC Insurance Companies Outline I. Brief history of Workers Compensation Insurance II. What does Workers Compensation do? III. Calculation of the Workers Compensation

More information

Ensuring Your Pet s Health. A Guide for Pet Owners from the American Animal Hospital Association

Ensuring Your Pet s Health. A Guide for Pet Owners from the American Animal Hospital Association Ensuring Your Pet s Health A Guide for Pet Owners from the American Animal Hospital Association 1 Dear Fellow Pet Owner, Opening your home to a pet is one of the most rewarding experiences you will ever

More information

The right health insurance policies for you

The right health insurance policies for you The right health insurance policies for you THE RIGHT HEALTH INSURANCE POLICIES FOR YOU Choosing the right health insurance policy is not just about buying cover at the cheapest price. Getting peace of

More information

Flexible medical benefits designed for today's world

Flexible medical benefits designed for today's world APRIL UK PRIVATE MEDICAL INSURANCE PLAN Flexible medical benefits designed for today's world www.april-uk.com Changing the image of insurance UK WELCOME TO APRIL UK - A NAME YOU CAN TRUST YOUR HEALTH WITH

More information

Finding travel insurance cover

Finding travel insurance cover This information is an extract from the booklet Getting travel insurance. You may find the full booklet helpful. We can send you a free copy see page 11. Contents Finding travel insurance Contacting insurance

More information

Clinical research trials and insurance

Clinical research trials and insurance Clinical research trials and insurance Information for people who are planning to take part in a clinical research trial January 2011 This information is subject to change depending on medical advances

More information

Underwriting Methods and Chronic Conditions. Everything you need to know about new, pre-existing and chronic conditions

Underwriting Methods and Chronic Conditions. Everything you need to know about new, pre-existing and chronic conditions Underwriting Methods and Chronic Conditions Everything you need to know about new, pre-existing and chronic conditions Introduction Contents Page number Introduction 3 A choice of underwriting methods

More information

Jelf Employee Benefits White Paper on Cancer

Jelf Employee Benefits White Paper on Cancer Jelf Employee Benefits White Paper on Cancer Edition 1, September 2013 Wellbeing at Work Cancer, covered. 250,000 people are diagnosed with cancer in England every year** Cancer Research UK states that

More information

General & Medical. Opt-in. private healthcare solutions

General & Medical. Opt-in. private healthcare solutions General & Medical Opt-in private healthcare solutions Contents Choose General & Medical Healthcare 3 Opt-in Schemes - a unique concept 4 A Range of Schemes - to suit everyone 4 Equs Range - essential affordable

More information

Title: A Quick Introduction To California Health Insurance And Pre-existing Conditions, Waiting Periods, And Exclusions

Title: A Quick Introduction To California Health Insurance And Pre-existing Conditions, Waiting Periods, And Exclusions Title: A Quick Introduction To California Health Insurance And Pre-existing Conditions, Waiting Periods, And Exclusions Word Count: 872 Summary: It's important to look at a carrier's policies and restrictions

More information

Bupa Eduhealth Essentials Healthcare Scheme Bupa private medical cover for the teaching profession and education sector

Bupa Eduhealth Essentials Healthcare Scheme Bupa private medical cover for the teaching profession and education sector Bupa Eduhealth Essentials Healthcare Scheme Bupa private medical cover for the teaching profession and education sector Bupa Eduhealth Essentials Healthcare Scheme We re here to help you stay healthy

More information

WOMEN AND RISK MADE SIMPLE

WOMEN AND RISK MADE SIMPLE WOMEN AND RISK MADE SIMPLE Working with the profession to simplify the language of insurance UNDERSTANDING WOMEN AND RISK Risk is part of life. At home, at work, on the road, on holiday, you re at risk

More information

An introduction to Dentists Provident

An introduction to Dentists Provident An introduction to Dentists Provident 3 Dentists Provident About Dentists Provident We have supported dentists with income protection insurance in the UK and Ireland for over a hundred years, and are the

More information

Guide to Private Medical Insurance

Guide to Private Medical Insurance Guide to Private Medical Insurance Contents About the Exeter 4 Why private medical insurance? 5 Product highlights 6 Cover and benefits 10 Getting the right premium 15 How to apply 16 Claims overview 21

More information

Underwriting Methods and Chronic Conditions. All you need to know about cover for pre-existing and chronic conditions

Underwriting Methods and Chronic Conditions. All you need to know about cover for pre-existing and chronic conditions Underwriting Methods and Chronic Conditions All you need to know about cover for pre-existing and chronic conditions Contents Page number Introduction 3 A choice of ways to apply 4 How we deal with chronic

More information

SPENCER S TIPS: 7 Costly Mistakes Parents Make When Buying Insurance for Teen Drivers.

SPENCER S TIPS: 7 Costly Mistakes Parents Make When Buying Insurance for Teen Drivers. SPENCER S TIPS: 7 Costly Mistakes Parents Make When Buying Insurance for Teen Drivers. Insurance Insider Reveals Little Known Secrets: This report reveals the common mistakes Parents make that not only

More information

Two dimensions of pure risk

Two dimensions of pure risk What is Insurance? Insurance is protection against risks. We face many risks in our lives: Car accident Theft Disability Heart attack Etc. Consumers buy insurance to pay for the costs associated with some

More information

Accident, Sickness & Hospitalisation Plan. Paying you an income if you can t work. Changing the image of insurance.

Accident, Sickness & Hospitalisation Plan. Paying you an income if you can t work. Changing the image of insurance. Accident, Sickness & Hospitalisation Plan Paying you an income if you can t work UK Changing the image of insurance. Preparing for the unexpected... What would happen to you and your family if you fell

More information

Introduction: What Are Voluntary Benefits?... 3 Traditional Voluntary Benefits... 4

Introduction: What Are Voluntary Benefits?... 3 Traditional Voluntary Benefits... 4 Table of Contents Introduction: What Are Voluntary Benefits?... 3 Traditional Voluntary Benefits... 4 Short-term Disability Insurance... 5 Long-term Disability Insurance... 7 Critical Illness Insurance...

More information

Why do I need protection?

Why do I need protection? Why do I need protection? What s inside 3 Life cover 4 Critical illness cover 7 Income protection 8 Who else would you rely on? 10 It might cost less than you think 12 A word from your adviser... Introduction

More information

Individual medical insurance. Policy summary Health Cover Range

Individual medical insurance. Policy summary Health Cover Range Individual medical insurance Policy summary Health Cover Range What you need to know April 2010 Health Cover Range This policy summary provides a brief description of this private medical insurance from

More information

General & Medical. Opt-in. private healthcare solutions

General & Medical. Opt-in. private healthcare solutions General & Medical Opt-in private healthcare solutions Contents Choose General & Medical Healthcare 3 Opt-in Schemes - a unique concept 4 A Range of Schemes - to suit everyone 4 Equs Range - essential affordable

More information

Power plant safety: a wise business move

Power plant safety: a wise business move Power plant safety: a wise business move Power plant safety: a wise business move Going to work in a controlled and safe environment is not an unreasonable expectation for any worker. In many occupations,

More information

Travel Insurance and Cancer

Travel Insurance and Cancer General information Travel Insurance and Cancer Travel Insurance and Cancer This factsheet is for people who have had cancer or who are currently receiving treatment for cancer and who need more information

More information

A GUIDE TO MOTOR INSURANCE

A GUIDE TO MOTOR INSURANCE A GUIDE TO MOTOR INSURANCE Every year, one in six New Zealand policy holders will make a claim on their motor vehicle insurance, totalling over $300 million. That's why you should be insured. Motor vehicle

More information

Answers to Key Medicare Questions Get answers to questions about eligibility, choices, costs, and when and how to sign up.

Answers to Key Medicare Questions Get answers to questions about eligibility, choices, costs, and when and how to sign up. Answers to Key Medicare Questions Get answers to questions about eligibility, choices, costs, and when and how to sign up. FIDELITY VIEWPOINTS 7/9/15 As the first among her group of close knit friends

More information

KEY GUIDE. Financial protection for you and your family

KEY GUIDE. Financial protection for you and your family KEY GUIDE Financial protection for you and your family Protecting what matters most Life and health insurance protection underpins most good financial planning. These types of insurance can ensure that

More information

11/05/2016. Developing and Pricing an Innovative Long Term Medical Insurance Product

11/05/2016. Developing and Pricing an Innovative Long Term Medical Insurance Product Developing and Pricing an Innovative Long Term Medical Insurance Product Peter Gatenby of Peter Gatenby Consulting and Amanda Brown of National Deposit Friendly Society 11 May 2016 Today s presentation

More information

Global Health Essential. Regional Cover for the Costs of Healthcare Overseas

Global Health Essential. Regional Cover for the Costs of Healthcare Overseas Global Health Essential Regional Cover for the Costs of Healthcare Overseas Cover for your essential medical costs abroad The Essential plans are designed for expatriates and international citizens who

More information

choices Private Medical Insurance designed for today's world Arranged by UK

choices Private Medical Insurance designed for today's world Arranged by UK choices Private Medical Insurance designed for today's world Arranged by UK Quick access to private hospitals... If you were diagnosed with an illness, wouldn't you want quick access to diagnostic tests

More information

YOUR GUIDE TO INDUCTION TRAINING. Your Practical Guide

YOUR GUIDE TO INDUCTION TRAINING. Your Practical Guide YOUR GUIDE TO INDUCTION TRAINING Your Practical Guide WELCOME TO AXA Introducing AXA One of the world s largest insurers With more than 50 million customers across the globe, AXA is one of the world s

More information

INSURANCE AND DIABETES TRAVEL INSURANCE. What is the best way to buy travel insurance? Things to remember

INSURANCE AND DIABETES TRAVEL INSURANCE. What is the best way to buy travel insurance? Things to remember INSURANCE AND DIABETES People living with diabetes can encounter difficulties arranging insurance. Although diabetes can be treated, people with diabetes are more likely to develop medical complications,

More information

For expert advice call 01494 451441

For expert advice call 01494 451441 Protection Planning Life and Protection Insurance The cost of insurance, particularly life insurance has fallen over recent years, whilst the quality of cover has in many cases increased. With this in

More information

INSURANCE IN THE UK: THE BENEFITS OF PRICING RISK. January 2008

INSURANCE IN THE UK: THE BENEFITS OF PRICING RISK. January 2008 INSURANCE IN THE UK: THE BENEFITS OF PRICING RISK January 2008 1 INSURANCE IN THE UK: THE BENEFITS OF PRICING RISK How insurance deals with risk Insurance protects people and businesses against the risks

More information

Mortgage Payment Protection Insurance

Mortgage Payment Protection Insurance Mortgage Payment Protection Insurance Compass Underwriting Limited 40 Lime Street London EC3M 7AW Phone 020 7398 0100 Fax 020 7398 0109 E-mail london@compassuw.co.uk Web Site www.compassuw.com Effective

More information

Incisive Business Guide to Business Insurance

Incisive Business Guide to Business Insurance Incisive Business Guide to Business Insurance Business Insurance Guide Summary This guide from Incisive Business outlines the features and benefits for your business from taking out business insurance.

More information

The Young Person s Guide to Health Insurance

The Young Person s Guide to Health Insurance The Young Person s Guide to Health Insurance For Graduating Seniors A message from the WHITE HOUSE Dear Friends: Graduation is a time for you and your family to celebrate your accomplishments, and to think

More information

Guide to expat healthcare insurance -A care in the world - Investment International

Guide to expat healthcare insurance -A care in the world - Investment International There are many things in life that we, in the west at least, take for granted; clean running water, electricity, England failing to win a major soccer competition... the list is endless. Should we recover,

More information

What is insurance? A guide to help you understand about insurance. By Mencap and Unique Insurance Services. Easy read

What is insurance? A guide to help you understand about insurance. By Mencap and Unique Insurance Services. Easy read What is insurance? A guide to help you understand about insurance By Mencap and Unique Insurance Services Easy read What is insurance? Insurance is a way of guarding against damage or loss of something

More information

Sign In New User? Sign Up. Yahoo! Finance Home Investing Your Money Finance News & Comment My Portfolios

Sign In New User? Sign Up. Yahoo! Finance Home Investing Your Money Finance News & Comment My Portfolios Page 1 of 5 Yahoo! UK & Ireland My Yahoo! Mail Sign In New User? Sign Up the Web Finance Home - Help Yahoo! Finance Home Investing Your Money Finance News & Comment My Portfolios Mortgages Loans Credit

More information

Property & Casualty Coverage 101

Property & Casualty Coverage 101 Property & Casualty Coverage 101 Small Business Guidebook ADP SMALL BUSINESS GUIDEBOOK Automatic Data Processing Insurance Agency, Inc. The Basics & Key Things You Need to Know Create a smart strategy

More information

COULD YOU SURVIVE 90 DAYS WITHOUT AN INCOME?

COULD YOU SURVIVE 90 DAYS WITHOUT AN INCOME? CLAIMS RECORD 2014 7/10 Our claim experience shows us that seven out of ten individuals will experience at least one illness or injury that will stop them from earning an income during their working lives.

More information

Updated June 14 th, 2013.

Updated June 14 th, 2013. Updated June 14 th, 2013. 1 Starting October 1, small businesses will have access to an exciting, new and streamlined way to offer health insurance to their employees for 2014 and future years. It s called

More information

The Definitive Guide to Texas Health Insurance

The Definitive Guide to Texas Health Insurance The Definitive Guide to Texas Health Insurance By Richard Monello www.customhealthplans.com Users maintaining credit to www.customhealthplans.com are free to distribute this guide to their readers, customers

More information

Do your clients actually need you to advise them on health insurance, or could they simply buy online as most of us now do with say motor insurance?

Do your clients actually need you to advise them on health insurance, or could they simply buy online as most of us now do with say motor insurance? Welcome to Simplyhealth s monthly news bulletin. Each month Andy Couchman, a recognised industry expert and publisher of the Protection Review, gives an update on what is going on in the world of health

More information

Safety & The Bottom Line: Proving The Financial Benefits Of Your Safety Initiatives

Safety & The Bottom Line: Proving The Financial Benefits Of Your Safety Initiatives Safety & The Bottom Line: Proving The Financial Benefits Of Your Safety Initiatives Presented at: Proactive Accident and Incident Reporting & Investigation Conference. IIR Ltd, Stakis St Ermins Hotel,

More information

Insurance and diabetes

Insurance and diabetes Reviewed January 2010 Insurance and diabetes Buying the right insurance policy can give you financial protection and peace of mind if the unexpected happens. Unfortunately, having diabetes can affect both

More information

Commission on the Future of Health and Social Care in England. The UK private health market

Commission on the Future of Health and Social Care in England. The UK private health market Commission on the Future of Health and Social Care in England The UK private health market The NHS may dominate the provision of health care in England, but that still leaves the country with a significant

More information

Protecting Your Income

Protecting Your Income Protecting Your Income Income Protection For most of us, our income is our most important asset. It affects how we live and how we pay for everything from food, light and heating to our mortgage repayments,

More information

Healthcare Revealed A consumer guide to buying private medical insurance

Healthcare Revealed A consumer guide to buying private medical insurance Healthcare Revealed A consumer guide to buying private medical insurance Welcome to Healthcare Revealed, our guide to helping you understand private medical insurance. In the last few years, the number

More information

The Truth About Medicare Supplemental Policies

The Truth About Medicare Supplemental Policies The Truth About Medicare Supplemental Policies By David Belk MD If you have Medicare, or are about to get Medicare, then you re probably getting a barrage of phone calls and mail from insurance companies

More information

product information Group InCare private medical cover for acute medical treatment

product information Group InCare private medical cover for acute medical treatment product information Group InCare private medical cover for acute medical treatment the information provided in this summary is key information you should read. The summary does not contain the full terms

More information

BUPACARE POLICY SUMMARY. Effective from 1 January 2015. bupa.co.uk

BUPACARE POLICY SUMMARY. Effective from 1 January 2015. bupa.co.uk BUPACARE POLICY SUMMARY Effective from 1 January 2015 bupa.co.uk 2 This policy summary contains key information about BupaCare. You should read this carefully and keep it in a safe place afterwards. Please

More information

BupaCare. Policy summary

BupaCare. Policy summary BupaCare Policy summary Effective from 1 January 2016 This policy summary contains key information about BupaCare. You should read this carefully and keep it in a safe place afterwards. Please note that

More information

Consumer guide to private medical insurance

Consumer guide to private medical insurance Consumer guide to private medical insurance Sponsored by Intuition Communication Ltd 2013 Contents About this guide... 4 About Private Healthcare UK... 4 About Intuition Communication... 4 Get a quote

More information

Accident Insurance: Financial Protection Doesn t Happen by Accident

Accident Insurance: Financial Protection Doesn t Happen by Accident Life & Health Insurance Advisor MRCT Benefits Plus is a comprehensive employee benefits, wellness and Human Resources consulting firm offering a variety of financial services to businesses and individuals

More information

A simple, affordable way to give peace of mind to the people who matter most

A simple, affordable way to give peace of mind to the people who matter most GUARANTEED 50 PLUS LIFE COVER A simple, affordable way to give peace of mind to the people who matter most Want to know more? Please talk to your adviser The average cost of a burial in the UK is currently

More information

Travel insurance. 2010 fact sheet. Getting travel insurance

Travel insurance. 2010 fact sheet. Getting travel insurance 2010 fact sheet Macmillan and Cancerbackup have merged. Together we provide free, high quality information for all. Travel insurance People who have cancer, or have had cancer in the past, can find it

More information

The 2016 Health Insurance Guide for Small Business

The 2016 Health Insurance Guide for Small Business The 2016 Health Insurance Guide for Small Business Fresh, outside-the-box solutions for changing times Presented by AC Forrest Insurance Group www.acforrest.com 1 The problem with traditional benefits

More information

ENSURING CONSUMERS GET A FAIR DEAL FROM INSURANCE

ENSURING CONSUMERS GET A FAIR DEAL FROM INSURANCE Summary ENSURING CONSUMERS GET A FAIR DEAL FROM INSURANCE Nearly everyone buys General Insurance (GI) products, from compulsory policies such as motor insurance, to add-ons like gadget cover. In recent

More information

BUPA BY YOU YOUR MEMBERSHIP GUIDE

BUPA BY YOU YOUR MEMBERSHIP GUIDE BUPA BY YOU YOUR MEMBERSHIP GUIDE bupa.co.uk ABOUT THIS GUIDE Welcome to your Bupa By You guide. We know that insurance can be hard to follow. That s why we ve made this guide as simple as possible. You

More information

Elements of Occupational Safety. Introduction. Policy Development

Elements of Occupational Safety. Introduction. Policy Development Introduction If you are a factory owner or manager, you cannot simply look at safety and health problems on an ad hoc basis and hope that the conditions in your workplace comply with national and international

More information

2015 Star Ratings. Private Medical Insurance. Discussion paper

2015 Star Ratings. Private Medical Insurance. Discussion paper 2015 Star Ratings Private Medical Insurance Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

Guide to Commercial Insurance

Guide to Commercial Insurance Guide to Commercial Insurance Introduction Operating a successful business today requires knowledge in many different areas, and one of the most important things to consider are the types and amounts of

More information

The Guide To Buying Car Insurance in Washington

The Guide To Buying Car Insurance in Washington Your Guide To Getting the Best Insurance Coverage for Your Family The Guide To Buying Car Insurance in Washington Don t be without the Insurance Coverage that Insurance Companies Most Dread Selling Scott

More information

TMAIT Insurance Guides for Physicians. Long-term Disability Insurance

TMAIT Insurance Guides for Physicians. Long-term Disability Insurance TMAIT Insurance Guides for Physicians Long-term Disability Insurance TMAIT Insurance Guides The TMAIT Insurance Guides are intended to help physicians make sound insurance decisions for themselves and

More information

Individual Family FAQ s

Individual Family FAQ s Individual Family FAQ s Frequently Asked Questions By Topic Individual and Family Health Insurance Why will individual and family health insurance work for me? What kinds of individual and family insurance

More information

PROTECTION INCOME PROTECTION BECAUSE LIFE DOESN T COME BUBBLE WRAPPED

PROTECTION INCOME PROTECTION BECAUSE LIFE DOESN T COME BUBBLE WRAPPED PROTECTION INCOME PROTECTION BECAUSE LIFE DOESN T COME BUBBLE WRAPPED Not too many people could live with an 80% drop in income. Could you? 2 For most of us, our income is our most important asset. It

More information

Insurance Bulletin. Stretching Your Insurance Dollar. Rethinking What s Required: Business Automobile Coverages

Insurance Bulletin. Stretching Your Insurance Dollar. Rethinking What s Required: Business Automobile Coverages Insurance Bulletin bulletin #10 Stretching Your Insurance Dollar CNA and the NUCA Safety and Risk Management Committee are proud to provide you with this information. We trust that you will find it useful

More information

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance LOUISIANA DEPARTMENT OF INSURANCE Consumer s Guide to Auto Auto Insurance Insurance James J. Donelon, Commissioner of Insurance A message from Commissioner of Insurance Jim Donelon Some of us spend up

More information

Personal Insurance Myths

Personal Insurance Myths Twelve Personal Insurance Myths You Can t Afford To BELIEVE TWELVE PERSONAL INSURANCE MYTHS You Can t Afford to Believe When it comes to insurance, you need straight facts not myths and legends. Remember

More information

How To Get A Good Deal On Insurance In The Uk

How To Get A Good Deal On Insurance In The Uk The Consumer CouncilThe Consumer Council Contents Types of cover What is an insurance excess? What affects the price of my motor insurance? How to shop around for the best deal Tips for cutting the cost

More information

MyMoney s guide to medical insurance

MyMoney s guide to medical insurance The best deals from leading insurers MyMoney s guide to medical insurance Public versus Private Medical Coverage Reasons why people buy Private Medical Insurance What are the different options available

More information

Private Medical Insurance. Flexible medical benefits designed for today's world. Changing the image of insurance.

Private Medical Insurance. Flexible medical benefits designed for today's world. Changing the image of insurance. Private Medical Insurance Flexible medical benefits designed for today's world UK Changing the image of insurance. Quick access to private hospitals... If you were diagnosed with an illness, wouldn't you

More information

Insurance. Covered, just in case. - How much cover do we need? - Buying insurance - Types of insurance - Where to go for help

Insurance. Covered, just in case. - How much cover do we need? - Buying insurance - Types of insurance - Where to go for help Insurance Covered, just in case - How much cover do we need? - Buying insurance - Types of insurance - Where to go for help Sorted by the Commission for Financial Capability How much cover do we need?

More information

LOCALCARE GROUP SCHEME POLICY SUMMARY FOR MEMBERS OF THE PHILIP WILLIAMS BUPA HEALTHCARE SCHEME. Effective from 1 December 2014. bupa.co.

LOCALCARE GROUP SCHEME POLICY SUMMARY FOR MEMBERS OF THE PHILIP WILLIAMS BUPA HEALTHCARE SCHEME. Effective from 1 December 2014. bupa.co. LOCALCARE GROUP SCHEME POLICY SUMMARY FOR MEMBERS OF THE PHILIP WILLIAMS BUPA HEALTHCARE SCHEME Effective from 1 December 2014 bupa.co.uk This policy summary contains key information about Bupa LocalCare

More information

Travel insurance. guide

Travel insurance. guide Travel insurance guide Introduction Many people deeply regret not taking out travel insurance. They think their credit card accident cover, home insurance or private health cover is sufficient and often

More information

Life & Health Insurance Advisor

Life & Health Insurance Advisor Life & Health Insurance Advisor MRCT Benefits Plus is a comprehensive employee benefits, wellness and Human Resources consulting firm offering a variety of financial services to businesses and individuals

More information

Accident, Sickness & Hospitalisation Plan. Paying you an income if you can t work. Ireland. Changing the image of insurance.

Accident, Sickness & Hospitalisation Plan. Paying you an income if you can t work. Ireland. Changing the image of insurance. Accident, Sickness & Hospitalisation Plan Paying you an income if you can t work Ireland Changing the image of insurance. Preparing for the unexpected... What would happen to you and your family if you

More information

KEY GUIDE Financial protection for you and your family

KEY GUIDE Financial protection for you and your family Kelvin Financial Planning Ltd KEY GUIDE Financial protection for you and your family Introduction Most of us believe that taking out life and other forms of protection insurance is a good thing to do.

More information

Help protect your future from one of life s uncertainties

Help protect your future from one of life s uncertainties Help protect your future from one of life s uncertainties group long term care insurance PROGRAM 46871 06/01/09 Reference # 46871VRSG 04/01/10 Plan today In these uncertain times, it is often difficult

More information