Mental health treatment is available in many different formats. The treatment you need will depend on the severity of your condition. Essentially the earlier you start your treatment the better. Early intervention is a key element of your recovery. A recent survey by the charity Mind has found that the coronavirus lock-down has had a detrimental effect on mental health. According to their survey of 16,500 people, 22% of adults who had no previous experience of poor mental health now say that their mental health is poor or very poor. For full details of the survey and its results, please…

If you are buying a private medical insurance policy your quotations may feature moratorium underwriting. Now as this is not a common term, what does it actually mean? For consumers in the UK, underwriting for health insurance is usually either Full Medical Underwriting or Moratorium. The choice you make between the two options should ultimately depend on your own medical history. What is the definition of moratorium underwriting? You are not asked to give details of your medical history when setting up the policy. Instead the insurer does not cover treatment for any medical condition that you have received treatment…

Private medical insurance is widely available throughout the world. In some countries it is a necessity but here in the UK it works brilliantly alongside the NHS. Throughout the COVID19 pandemic, private hospital facilities have been a valuable back up for the NHS. People with health insurance may have experienced delays in consultations and treatments. Most of the UK health insurance providers have recognised this and have pledged to make this right with their members.  Many have confirmed they will review the relevant claims data relating to this time period. Insurers have also increased access to video and telephone consultations…