There are many ways to reduce the cost of your company Private Medical Insurance here in the UK and the NHS 6 week option is just one of them. More and more people are looking at ways to have some form of Private Medical Insurance in place to give them peace of mind following the recent NHS Junior Doctors strikes. At SMP Healthcare Ltd, we feel it is important that people know that there are things you can do to make your cover more affordable. How the 6 week option works: Your employees would follow the normal claiming procedure and…

When looking for a Private Medical Insurance policy, we understand that cost is an important factor, but we feel the underwriting selected is just as important. In a recent newsfeed we gave information about several different underwriting methods insurers offer in order to assess the risks for pre-existing conditions. However, there is one insurer on the market which offers individuals a unique method of underwriting, known as a Fixed Moratorium. The Exeter, a mutual healthcare and protection insurer, is the only individual UK health insurer to offer this distinctive underwriting method and we are therefore pleased to provide further information…

Dental insurance is available from many of the UK health insurers either as a standalone product or as an add-on to Private Medical Insurance policies. There is also some cover for dental treatment available on Cash Plans enabling you as the client to choose exactly what level of dental cover you receive. The most comprehensive Dental Insurance is available as a standalone policy and as an example BUPA Dental offer 4 levels of cover for a company scheme for three or more employees. The premiums vary depending on the level of cover with Level 4 being the highest premium per…

We all want to pay the lowest possible premiums for our Private Medical Insurance and if you live in Scotland and Northern Ireland, AVIVA provide a hospital list called Signature which gives cover at hospitals that are only in these areas. If you live in Scotland or Northern Ireland or have a business operating in these areas, this option can provide a substantial reduction in premium from their standard Key list. The Signature hospital list provides cover in private hospitals in Scotland and Northern Ireland as well as the facility to use NHS-Pay beds in hospitals in Scotland and Northern…

If you are about to apply for a Private Medical Insurance Policy and are unsure what insurers mean when the term underwriting is used and are overwhelmed by the several different underwriting options available, you are in the right place! On this page we have put together some useful information to help you understand what health insurance underwriting is, why it’s used and the different options available, which we hope will prove useful to you when you come to select an underwriting option. What is health insurance underwriting and why do health insurers use it? Health Insurance underwriting is a…

The British Chiropractic Association (BCA) confirm that Chiropractors are trained to diagnose, treat, manage and prevent disorders of the musculoskeletal system (bones, joints and muscles). They use a range of techniques to reduce pain, improve function and increase mobility, including hands-on manipulation of the spine. Also offering advice on self-help, therapeutic exercises and lifestyle changes. The BCA is the largest and longest-standing association for chiropractors in the UK. They only accepts members who have graduated from a nationally or internationally-recognised college of chiropractic education after a minimum of four years full-time training and ensures it chiropractors maintain high standards of…

Following our decision to support the Tom Bowdidge Foundation and help them to raise much needed funding to support teenagers and young people with cancer we are delighted to announce our new campaign designed to help anyone who is looking to renew their Private Medical Insurance policy or looking to take out a new Private Medical Insurance policy whilst helping to raise more money for this worthy cause. For every five quotations whether on a company or individual basis that we receive as a direct response to this campaign we will donate £250 to The Tom Bowdidge Foundation. There is…

If you find Health Insurance policies confusing, you’re definitely not alone. Knowing where to begin can be overwhelming with so many products available on the market. So how do you consider which Private Medical Insurance policy is right for you? The Association of British Insurers (ABI) is a trade association made up of insurance companies in the UK. They do not sell insurance however they do provide consumers with excellent advice relating to the insurance market and always promote best practice throughout the Insurance industry. The ABI have produced a guide which has been designed to help you understand more…