Individual Health Insurance Archives

Individual Health Insurance is a term relating to consumer policies. Your policy could be for a single, couple, single parent or family. The cost of your policy will depend on a number of things including:

Your age
Where you live
Smoking status
Medical History
Cover levels required
The excess level you choose

When you buy an individual health insurance policy, there are a number of factors to consider and a specialist broker can help you.

Policies are often modular and therefore you can tailor your cover for your own personal needs.

Pre-existing conditions may not be covered. The underwriting that you choose can make a difference.

Fantastic cover options from The Exeter

When you are choosing a private medical insurance policy for yourself or your family there are so many options. The Exeter are certainly one provider you should consider. There are some great brands in the market, many of whom are household names. We would urge you to consider some of the smaller brands who really can offer you excellent value for money. Health + from The Exeter is only available to personal customers who want cover for themselves or their family. The Exeter do not offer SME or corporate private medical insurance. What can you expect from Health +? With…

Is private health insurance worth it?

We have the NHS; why would we need to pay more for our healthcare? It is a topic that has been discussed again and again. I have friends who would never buy it and I have friends who would never be without it. Two sides of the coin! So we have to ask the question, is private health insurance worth it? These split opinions are caused by various factors including: Political views Financial position Personal experience of the NHS Family experience of the NHS Good/Bad hospitals within the local area So the answer to this question “is private medical 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

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…

How much does private medical insurance cost?

If you want to know how much it would cost to buy a private medical insurance policy in the UK we hope the following information will help you. Finding out the medical insurance cost for an individual policy is a simple process. 1: The amount you pay as a consumer will depend on your age. 2: Your premiums as a consumer will depend on where you live. 3: Premiums you pay as a consumer will depend on the benefits you choose. 4: Your health insurance premiums would reduce if you add an excess to your policy. 5: The cost of…

Health insurance developments for 2020

At SMP Healthcare we have seen a lot of changes in the health insurance market over the last few years. So what will be the new health insurance developments for 2020? Without giving away our age, a couple of us in the office just may have been working in the health insurance sector for a number of years. We can see that the advancement in technology is certainly playing a significant part in the development of our industry. Digital technology With high tech apps making the access to health advice and GP appointments even easier. We wonder what the next…

What is a pre-existing condition?

With full medical underwriting you provide a full disclosure of your medical history and this form is sent to the insurers underwriting department for assessment. They will then show any exclusions for pre-existing conditions on your insurance certificate.

NEW low cost private medical insurance plan

If policyholders prefer to have their treatment privately in the UK or abroad, they become cash buyers and have the option available to compare treatment prices before committing to a particular hospital.

Private Medical Insurance for when you retire

Just because you have reached retirement age does not mean that you have made claims or suffered with ill health. Being newly underwritten would save you money on your private medical insurance but could result in exclusions appearing on your certificate.

5 Ways to save money on private medical insurance.

SMP Healthcare Ltd can help you make an informed decision about your cover and show you ways where you may be able to make cost savings without jeopardising the cover in place for you, your family or your employees.

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