Accessible health insurance cover includes a wide range of benefits to provide peace of mind throughout a period of ill-health, from the first consultation with a specialist to the delivery of the required medical treatment. Accessible gives you access to some of the finest medical facilities. Should you require hospital treatment, as a BCWA member, you’ll be able to use hospitals with the highest standards of medical excellence and patient care.

The policy is designed to provide cover to diagnose and treat medical conditions that are likely to respond quickly to treatment, leading to your full recovery and returning you to the state of health you were in before suffering that episode of ill health.

With the reassurance of Accessible cover and our dedicated care teams we can help you feel so much better about the risk of ill-health. 

Health insurance for business in the UK has never been more varied and cost effective. There are many different business health insurance policies in the market place and whether you are a individual or a large company there are policies that will cater for the benefits you require at a cost effective rate.

Business health insurance is now mainly taking the modular route. This means that you can pick and choose the level of cover that you as a business or company wish to give your staff or employees. Many providers adopt a no claims discount approach and thus helps to keep your premiums under control if you do not have a claim. Most poliies will cater from standard hospitalisation cover to fully comprehensive and also allow you to choose an excess should you wish and in turn lower your premiums.

For further information and a free quote for your company please visit Health Insurance now.

Access to excellent medical care in comfortable surroundings, without waiting months to get to the front of the queue should make Private Medical Insurance (PMI) an easy sale but, it does have a reputation for being a luxury product and quite expensive. However, recent innovations mean you don’t have to dip into your life savings to get a good PMI policy and it might be time to take another look.

Why Consider PMI?

There are many advantages to your own medical insurance, even with the changes to the NHS. Among the most important reasons to have your own medical cover are:

• Prompt access to treatment (skip the waiting lists for non-emergency medical treatments)
• Your choice of hospitals and doctors for treatment
• Choice of admission time and place
• Information and health awareness

Cutting PMI Costs

There are many different companies that offer private medical cover – and most of them offer a variety of plans at different costs. By shopping around, you can get a good idea of the range of cover levels and pricing options available. It’s important to be aware though, that the cheapest quoted price isn’t always your best option – or even the least expensive choice in the long run. It’s important to take an overall look and count the associated costs before deciding which is the best choice for you and your family. Here are a few points to consider when choosing PMI for your family.

• Can you share the cost of treatment?
  There are a number of different schemes that allow you to share the cost of treatment in return for a reduction in premiums.

• Excess payments
  Nearly all insurance policies include an excess – the amount you must pay before the insurance company will cover your medical expenses. The most common way to reduce premiums is to increase the amount of your excess. That way you pay more of your medical bills when you get treatment – and pay less in premiums for the insurance. It’s important, though, to understand how your insurance company counts the excess, and to be sure that it’s at a level that you can afford.

• Co-payment plans
  Some medical insurance companies allow you to share the cost of your medical care by requiring co-payments at the time you use a service. You may pay £5 whenever you visit your doctor’s office, no matter what the actual charge is, and the insurance company picks up the rest of it. In another co-payment scheme, you agree to pay 25% of the charges on any medical procedure up to an annual limit, and the insurance company pays 75% of the charges until you reach that limit, then 100% of your medical bills for the rest of the year.

• Excluding treatments
  You can also save money by choosing to exclude specific illnesses or conditions from your cover. Some of the most common exclusions include out-patient treatments, or agreeing to restrict your choice of hospital. Another exclusion that is growing more common is treatment for cancer, which can be quite costly but in which the NHS has invested considerable research.

• Innovative Private Health options
  There are a number of new and innovative options now being offered that can make private health care more flexible and affordable. These include schemes that reduce your premiums for taking steps to improve your health and part savings, part insurance schemes. As competition becomes more intense, you can expect to see more schemes of this type that will save you money and offer greater control cover the health and medical care for you and your family.

To find a comprehensive list of the most popular UK Private Medical Insurance companies visit http://www.uk-insurance-index.co.uk/health-insurance-1.html where you can also read genuine customer reviews and insurance buying guides.