If, like most people, your ability to pay your mortgage and bills depends upon your ability to work then you will probably want to focus on a range of Health Insurance options to protect you, your family and your lifestyle should the unexpected happen.
Critical Illness Cover
This type of benefit would pay out a lump sum of money should you be diagnosed with one of the pre-listed illnesses (Cancer, Heart Attack, Paralysis, MS etc etc). Nowadays, this is a very popular form of protection that can usually be linked to a life assurance policy.
This policy would pay you a regular monthly income if you were signed off work through accident or sickness.
Private Medical Insurance
This type of contract is designed to pay for the majority of the costs that you may incur as a result of being treated at a private hospital. Common providers are BUPA and PPP.
Few people are protected by all three policies and yet as you can see, they offer very different benefits. It is possible to buy plans that combine benefits and in this way the premiums are reduced through the effect of bulk-purchasing.
We will help you to understand all of the different aspects relating to Health Insurance and if required, go on to provide you with illustration based upon your needs. Contact us for friendly and expert advice.
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