Remember to check your health insurance membership certificates

Remember to check your health insurance membership certificates

When you implement a new private medical insurance policy or activate the renewal of an existing policy your insurance provider will issue a revised certificate which will show your personal details, the plan details and any exclusions that apply to your cover. If you do work with a broker they may check these details for you as part of their service to ensure they are correct however, more often these days the insurance companies insist on sending membership certificates directly to the insured person rather than via the broker which can be frustrating. You may be asked to download them…

Cigna’s Group Dental Insurance Plans

Cigna’s Group Dental Insurance Plans

What is a Cigna Dental plan? The Cigna Dental plans offered to businesses can help your employees manage their dental expenses, which in turn can lead to a reduction in employee absences due to dental pain and help promote the importance of looking after their teeth and gums. What Business Dental Plans are available with Cigna? There are two Cigna Dental plans to choose from: – DentaCare; & – OralHealth Both plans provide a choice of treatment levels and funding options to suit a variety of needs and can provide cover for schemes with only one member. How do their…

Preventing Heart Disease

Preventing Heart Disease

Whatever your age it is essential to try and keep your heart healthy and The British Heart Foundation (BHF) confirm that this is the most important thing we can do to help prevent and manage heart disease. The BHF provide a number of ways we can look after our hearts on their website and these include: Healthy Eating A healthy diet can help reduce your risk of developing coronary heart disease and stop you gaining weight, reducing your risk of diabetes and high blood pressure. The BHF advise us to think of foods in food groups and to try to…

5 Private Medical Insurance Jargon Words Explained

5 Private Medical Insurance Jargon Words Explained

Private Medical insurance can be confusing, often down to the weird sounding terms and phrases that are used. We have explained 5 such terms below to help you understand some of the most frequently used health insurance terminology. Acute Condition An acute condition can be defined as a disease, illness or injury that is likely to respond quickly to the treatment that aims to return you to the state of health you were in immediately before suffering the disease, illness or injury, or which leads to your full recovery. It is these conditions that Private Medical Insurance is designed to…

When was the last time you reviewed your Private Medical Insurance?

When was the last time you reviewed your Private Medical Insurance?

Many people, individuals and businesses see Private Medical Insurance as an important investment in protecting their health. It ensures they have access to treatment promptly and at a time to suit them, which many feel is an important expense worth paying for. At SMP Healthcare Ltd, we believe that reviewing your private medical insurance policy on an annual basis is essential to ensure that you know you have the most appropriate cover for your own specific needs at the best market premium available. There are many reasons to review your private medical insurance at renewal including: To ensure your policy…

Medigest; the online Private Health revolution.

Medigest; the online Private Health revolution.

With the launch of a new online information portal for the Private Health sector due on the 31st March 2017, we were delighted to register our specialist private healthcare brokerage within the comprehensive business directory. Opting for a paid registration, we are now searchable on the Medigest website by keywords, county, business name and postcode. Registration is low cost and the site is simple, easy and straightforward to use. Medigest is a consumer focused website that encompasses everything related to Private Health in the UK including: Health and Protection insurance policies Insurance companies Brokers Financial advisors Travel Insurance Private Hospitals…

What is High Cholesterol?

What is High Cholesterol?

High Cholesterol is the term that describes the build-up of a fatty substance in your blood. While it’s normal to have some Cholesterol in your blood having too much can cause fatty material to build up in your artery walls, increasing your risk of heart disease and other cardiovascular diseases, such as a stroke. What are the causes of High Cholesterol? There’s no single cause of High Cholesterol. It can occur for a variety of reasons, including: – Eating a diet that is high in saturated fat – Smoking – Lack of physical activity – High alcohol intake – Kidney…

Business Healthcare from Vitality

Business Healthcare from Vitality

Vitality are the first insurance company to reward their customers for being healthy and Vitality Health are currently the fourth largest private medical insurer. Vitality are owned by Discovery Holdings who are a leading global insurer with over 4.4 million clients. Business Healthcare from Vitality is a modular private medical insurance product that can be tailored to suit each company’s requirements. Core Cover All plans start with Core Cover which has a variety of benefits including: In-patient and day-patient hospital fees, consultant fees & diagnostic tests • Out-patient surgical procedures • Vitality GP • NHS hospital cash benefit • childbirth…

Calculation Method for Vitality Health Renewal Premiums to Change

Calculation Method for Vitality Health Renewal Premiums to Change

Vitality Health have launched a new unique approach when calculating individual renewal premiums for policyholders which they deem to be more fair, intuitive and transparent than the traditional no-claims discount method previously used. What will change with the new calculation method? As before, Vitality Health will still take the following factors into account when determining a policyholders renewal premium: – Age – Medical Inflation (the change in the cost of providing healthcare); & – Claims in the preceding plan year However, unlike before, policyholders can now control the amount their premium increases due to claims with their Vitality Status. How…