Does CBT help you sleep?

Does CBT help you sleep?

CBT-I is an approved method for treating insomnia without the use of medication. Aiming to alter the patients sleeping pattern as well as changing the misconceptions about sleep and insomnia that could otherwise continue indefinitely.

Can I change the cover level on my health insurance?

Can I change the cover level on my health insurance?

It is very rare to change insurance provider mid-term through your policy year.  Normal protocol would be to review the alternative insurers when you receive your renewal terms. There could be a better option with another health insurance provider. If there is, you can look to change insurance provider at your renewal date.

How to save money on health insurance

How to save money on health insurance

If you want to save money on your health insurance you need to check your cover details carefully. A good health insurance broker can help to make this easy for you. We spend time with our clients listening to what is important to them in terms of cover and benefits. We can then provide quotes based on their unique and specific needs. Nobody wants to pay more for a health insurance policy than they have to. Nobody wants to have cover for benefits that they will never use. Can you afford an excess? If you know you can afford to…

Private medical insurance does not replace the NHS

Private medical insurance does not replace the NHS

As an example, if you have been advised you need a blood test and your local NHS facility can do this for you within a day or so – why not go this route rather than claim on your insurance? The same applies to any treatment. If you can access any diagnostic tests quickly via the NHS, save your insurance policy for when you really need it.

Why do health insurance premiums increase?

Why do health insurance premiums increase?

If you have ever had insurance of any type you are probably used to seeing an increase in premium each year. Whether it is house insurance, travel insurance or motor insurance, it is very rarely that we receive a renewal offer where the premium has gone down. So why do health insurance premiums increase? Health Insurance is no different to any other policy and there are a number of factors that contribute to the increase in premium. Increase due to age Every year we get older. That is a simple fact of life and unfortunately as we get older the…

The great Veganuary debate continues

The great Veganuary debate continues

Well here we are in January 2020 and on the radio, in the news and on social media.  The whole Veganuary debate continues. Launched in 2014, the participation has increased year on year. Not just in the UK but on a worldwide basis. The Veganuary UK website has a great deal of information explaining why they encourage people to participate.  Veganuary is actually a registered charity that encourages people to embrace being vegan in January. They hope people will continue throughout the remainder of the year. Three key factors are confirmed as: Concern for animal welfare Concern for the environment…