SMP Healthcare offer independent advice

SMP Healthcare offer independent advice

Renewing your private medical insurance can be a daunting task with so many providers offering so many different options. How do you work out which policy is going to offer you the cover you need? SMP Healthcare Ltd is a truly independent health insurance specialist who can offer you advice on your health insurance without any bias towards any provider or policy. Working closely with our clients we make sure that the recommendations we make are based on the needs of our clients 100% of the time. Why we choose to remain independent. Predominantly we choose to remain as an…

Do you always need a GP referral if you want to make a claim on your PMI policy?

Do you always need a GP referral if you want to make a claim on your PMI policy?

If you have a Private Medical Insurance policy and you need to make a claim, you are normally required to see your GP first. However, depending on the insurer you are with and the underwriting you have in place, there are some conditions where a GP referral is not required. How is this possible? Some insurers have designed direct access pathways for a number of services, eliminating the need for a GP referral, meaning you can get the treatment you need as soon as you decide you need it. Depending on the insurer and underwriting, you may be able to…

Raising awareness of Charcot-Marie-Tooth Disease (CMT)

Raising awareness of Charcot-Marie-Tooth Disease (CMT)

1st September 2017 sees the beginning of the international awareness month for Charcot-Marie-Tooth Disease also known as CMT. Organisations from around the world who focus on CMT, the causes, treatments and supporting people diagnosed with CMT, are coming together to try and raise as much public awareness as possible. Although at SMP Healthcare Ltd we are not medically trained, we do during the course of our day and due to the nature of our job come across many different medical conditions however I must confess that this is one I had not yet come across. In the support of the…

4 easy ways to slash your private medical insurance premium

4 easy ways to slash your private medical insurance premium

If you are looking to lower your Private Medical Insurance premium at renewal, you have a number of different options available that you may like to consider. Adding an Excess By adding an excess to your policy you agree that you will pay that excess amount towards a claim. The excess is normally only due once per person, per policy year if a claim is made, meaning the excess wouldn’t apply more than once even if multiple claims were made during the same policy year. Excess choices range from £100 all the way up to £5,000 (depending on the insurance…

GulfHealth, the International cover for members in the United Arab Emirates

GulfHealth, the International cover for members in the United Arab Emirates

Gulf Health is an International Private Medical insurance policy designed by Morgan Price for their members who require cover in the United Arab Emirates (UAE). It is available for either individual/family or for corporate schemes. Cover is available for child only cover also. The GulfHealth plans are insured by National Takaful Company Watania PJSC. Individual plans offer a silver or gold option with different areas of cover Silver: Area 1: AGCC, Arab Countries, Middle East and SEA + Home Country Area 2: Worldwide excluding USA Area 3: Worldwide Gold:  Area 2: Worldwide Excluding USA Area 3: Worldwide Corporate Plans offer…

Chronic Conditions – Private Medical Insurance

Chronic Conditions – Private Medical Insurance

Private Medical Insurance is designed to cover the cost of private medical treatment for ‘acute conditions’ which start after your policy begins. An acute condition is a disease, illness or injury that is likely to respond quickly to 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. Private Medical Insurance will typically not cover ‘chronic conditions’, due to the fact that chronic conditions become predictable, rather than unexpected. What is a Chronic Condition? A Chronic Condition is any disease, illness…

General Exclusions applicable to Health Insurance

General Exclusions applicable to Health Insurance

When people invest in a private medical insurance policy in the UK whether as an individual, family or business, they have the peace of mind that if they need medical treatment and the NHS cannot treat them quickly, they have their private medical insurance policy to fall back on. When you take a policy though, are you made aware of the general exclusions that may apply to your cover? All insurance providers may have a different stance as to what is included in their general exclusions but as a guideline, the following conditions may not be covered: Pre-existing conditions (unless…

What is a CT scan?

What is a CT scan?

The letters CT stand for (computed tomography) and this diagnostic test is a type of scan which uses an X-ray tube to create a beam of X-rays which pass through your body to produce two-dimensional images or ‘slices’ of your body, or part of it. These images can be stacked to create a three-dimensional image. These images can help medical professionals diagnose and monitor many different medical conditions. What health conditions can a CT scan diagnose and monitor?  A CT scan can be used to diagnose and monitor a number of different health conditions including: – bleeding in the brain – heart problems…

Insuring yourself for in-patient cover only

Insuring yourself for in-patient cover only

If you are looking at ways to keep the cost of your Private Medical Insurance policy down, whilst still wanting to ensure cover for the major, and often more expensive in-patient treatments, you may want to consider only insuring yourself for in-patient cover. If you decide to only be insured for in-patient cover you will generally have no cover as an out-patient for; – Consultations with a consultant/specialist – Diagnostic tests (although some policies will still cover eligible CT, MRI and PET scans as an out-patient) – Treatment by a specialist – Specialist/GP referred treatment by a physiotherapist, chiropractor, osteopath…