The advantages and disadvantages of protecting your no claims discount

The advantages and disadvantages of protecting your no claims discount

If you have a private medical insurance policy which operates using a no-claims discount (NCD) system. Think about whether it’s worth protecting your NCD if the insurer offers this option. The following points below will help you understand that advantages and disadvantages to protecting your no claims discount. Advantages of protecting your NCD No financial pressure not to claim You’ve taken out private medical insurance for a reason, so that when you need medical treatment you can go privately. The last thing you want is to be deterred from making a claim due to the thought of financial implications. Peace…

4 easy ways to reduce your health insurance premium

4 easy ways to reduce your health insurance premium

If you are looking to reduce your Health Insurance premium at renewal, you have a number of different options available that you may like to consider. There are a number of reasons why your premium will increase every year. Let us help you look at ways to contain the costs for the future. Add an Excess to reduce your health insurance premium By adding an excess to your policy you agree that you will pay that excess amount towards a claim. As a standard the excess will be per person per policy year but it could be per person per…

Have you heard about Access Surgery?

Have you heard about Access Surgery?

Access Surgery and Access Surgery Premier are hospital treatment insurance policies from Westfield Health. These policies are not Private Medical Insurance however they do cover policyholders privately for new medical conditions that the NHS define as non-urgent. There is no cover on either policy for cancer treatment, heart conditions or chronic conditions. A chronic condition is a disease, illness or injury that needs regular or periodic treatment, medication or advice. Who is eligible for Access Surgery cover? Both policies are available to anyone aged between 18 and 79 years of age. If you have a policy in place prior to…

Aviva Healthier Solutions

Aviva Healthier Solutions

Healthier Solutions is an attractive product to those looking for a comprehensive private health insurance policy. This policy offers benefits and features that you can tailor in order to create a bespoke policy to cover your individual needs as well as your budget

Shortfall and Excess Insurance

Shortfall and Excess Insurance

Medex Protect offer a specialised, low cost insurance product which offers cover for your excess and shortfalls in payment from your Private Medical Insurance provider. This is available to company health insurance schemes. By increasing the excess on your Private Medical Insurance you can reduce your premiums.  You can then take a policy from Medex Protect that will cover the excess and shortfalls up to the plan benefit level chosen. Medex Protect offer 3 levels of company plan: 150 Plan; covering £150 excess and £150 shortfall 250 Plan; covering £250 excess and £250 shortfall 500 Plan; covering £500 excess and…

Cheap Private Medical Insurance: Does it exist?

Cheap Private Medical Insurance: Does it exist?

When you have an idea of what cover you need, speak to your Health Insurance broker. A broker can help you understand how the choices you have made will affect your policy. Make sure you know what your choice of benefit option means when it comes to making a claim. This is crucial to ensure you have no unexpected surprises.

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