Can you afford to self fund your medical treatment?

Can you afford to self fund your medical treatment?

As a specialist health insurance broker we often come across people who are considering cancelling their Private Medical Insurance in favour of Self-Funding their treatment until they understand the real costs attributed to this method of financing treatment. When people say they will “just put away £100 per month” and use that pot of money when they need their treatment, they soon realise that it would take many years to save the money required should the worst happen. Looking at BUPA and the costs for self-funded treatment for musculoskeletal conditions even outside the London area you can see that the…

How an excess works – Private Medical insurance (PMI)

How an excess works – Private Medical insurance (PMI)

An excess is a common option to consider when looking to purchase a Private Medical Insurance (PMI) policy or if you are looking to reduce your premium at renewal if you already have a policy in place and with excesses ranging from as little as £100 to as high as £5,000 there are lots of options to choose from. If you decide to apply an excess to your policy or increase it to a higher amount at policy renewal, your health insurer will require you to pay the excess amount selected towards the cost of any treatment. It is important to…

Aromatherapy, a Complementary Therapy

Aromatherapy, a Complementary Therapy

Aromatherapy can be used to improve your physical and mental well-being and is classed as a complementary therapy which can be used alongside traditional medical treatments. It is important that you speak to your GP or Consultant if you are considering Aromatherapy to ensure this would have no adverse effects or is unsuitable as a complementary treatment for your own specific condition. This form of treatment uses essential oils which may treat a range of treatments and conditions. Essential Oils are aromatic substances extracted from a single botanical source and have been used in fragrances, flavours and medicines for thousands…

5 Things you need to know about International Private Medical Insurance

5 Things you need to know about International Private Medical Insurance

International health insurance is designed to provide medical insurance for those living and working abroad, making sure that you can access high quality care if you fall ill, or require medical advice whilst overseas. If you are looking for an individual or company policy we can help you source an international policy from a range of health insurers including AVIVA, AXA PPP, Bupa, Cigna, Morgan Price and APRIL International, giving you access to the best policies in the market. Location International policies are designed to cover you whilst away from your country of residence, whether living or working abroad, so…

Travel Insurance as an add-on to your Private Medical Insurance

Travel Insurance as an add-on to your Private Medical Insurance

Anyone who has pre-existing medical conditions and has looked to purchase stand-alone Travel Insurance for Worldwide or European travel will realise that this can be an expensive policy to buy with numerous questions to answer. That’s why when you have Private Medical Insurance it is always worth considering adding the travel insurance cover to the scheme when available. Travel Insurance purchased as an-add on to your Private Medical Insurance is generally valid on a “Fit to Fly” basis and therefore no medical history questionnaires and declarations are necessary to purchase cover.  If you have any pre-existing conditions and have been…

Talking Therapy for Anxiety Disorders: Cognitive Behavioural Therapy (CBT)

Talking Therapy for Anxiety Disorders: Cognitive Behavioural Therapy (CBT)

Cognitive Behavioural Therapy (CBT) is a talking therapy that can help us make changes in the way we think (“Cognitive”) and the way we act (“Behaviour”) and has become one of the most popular forms of therapy to treat a broad range of anxiety disorders. We all deal with anxiety in some form or another, but for some, anxiety is much stronger and it becomes excessive, leaving you to experience an overwhelming surge of symptoms that are associated with this condition. What causes anxiety disorders to develop?  Anxiety disorders can be caused by a complex set of risk factors including…

10 UK Private Medical Insurance Facts you Need to Know

10 UK Private Medical Insurance Facts you Need to Know

When you invest in a Private Medical Insurance policy (as with any insurance policy) you should always read the Terms and Conditions provided by your insurer. They all tend to differ but we thought it would be a good idea to highlight some of the common things that people may not realise about Private Medical Insurance in general. Private Medical Insurance does not provide cover for Accidents and Emergencies, these are still covered by the NHS. Policies cover the treatment of ACUTE medical conditions.          Acute conditions are those that are likely to respond quickly to treatment. Chronic conditions are…

Coeliac Disease: Are you suffering in silence?

Coeliac Disease: Are you suffering in silence?

This week’s Coeliac Disease Awareness Week, 9th May -15th May, will encourage people to campaign with Coeliac UK – the UK’s largest charity for those with coeliac disease and dermatitis herpetiformis (a skin condition linked to coeliac disease), to make improvements to the everyday lives of people with coeliac disease, a lifelong autoimmune disease caused by a reaction to gluten. With this condition affecting one in 100 people and the charity confirming that only 24% of people that have this condition have been diagnosed, it leaves nearly half a million people without an official diagnosis that they are in fact…

Look after your feet with Chiropody

Look after your feet with Chiropody

For those of us lucky enough to have Private Medical Insurance or Cash Plan cover it is worth checking to see whether you can make a claim for chiropody as a benefit. The price of a private chiropodist will vary depending on where you live and their level of experience. The Society of Chiropodists and Podiatrists confirm that there is no difference between a chiropodist and a podiatrists in the UK. They all deal with the assessment, diagnosis and treatment of the lower limb and are qualified to treat people with arthritis, diabetes, nail surgery and sports injuries. They work…

Get Healthy and Get Rewarded For It

Get Healthy and Get Rewarded For It

You may have all seen the adverts on the television featuring the cutest little dachshund who has to keep going for a walk with his owner following her engagement in the Vitality Health Private Medical Insurance policy and how the Vitality GP app helped to get her a consultation with a GP quickly showing you just one aspect of the Vitality policy but did you know about the rewards system that is also part of the policy? If you have an individual Private Medical Insurance policy with Vitality Health you have access to a whole host of rewards, discount and…