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Archive for January, 2008

Health Cash Plans In The UK

Sunday, January 20th, 2008

Health cash plans in the UK are there to help cover the costs of areas of healthcare such as optical and dental care. Most health providers that offer health cash plans will have different levels of cover. Health cash plans are not private health insurance but cash back towards treatment received.

With regards to dental cover the plan will cover check ups and treatment. The optical cover will cover the costs of sight tests, glasses, prescription sunglasses and contact lenses. Therapies such as Physiotherapy, Osteopathy, Chiropractic, Acupuncture and Homeopathy treatments along with chiropody are normally covered. Also, allergy testing, marernity cover and hospital stays are covered.

You choose the level you wish to be on the plan. Normally children under the age of 18 are free. Note that there are normally qualifying periods for certain areas such as dental, optical and maternity cover. For further information or a quote please call 0800 042 0555 or email quotes@privatehealthservice.co.uk .

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Health Insurance Broker In London

Friday, January 18th, 2008

Based In Central London, our job is to find you the best cost/cover option available in the Health Insurance Marketplace. We offer a FREE, No obligation service. So if you are looking for a new policy and wish to get a fair market assessment at your renewal we are here to help.

Private Health Service in London is an independent Private Health Insurance specialist - representing Gareth Owen, who is an appointed representative of Independent Sales Force Solutions Ltd

Independent Sales Force Solutions Ltd are authorised and regulated by The Financial Services Authority, firm reference number is 308189.

You can check our authorisation by visiting http://www.fsa.gov.uk/register


We are also obliged to provide certain information to all prospective new clients, this is called our initial disclosure document, please click here to view this document.

When you submit your information, your details will be passed to one of our specialist consultants to provide you with a no obligation quotation. You need to be a resident of
the United Kingdom, aged 18 years or over

Remember even if you are currently insured we can still help you find a better deal.

Why not call now to speak to one of our highly skilled colleagues who will be delighted

to do all the hard work of getting you the best deal for your needs.

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HealthSure Dental Plans UK

Friday, January 18th, 2008

The HealthSure Dental Plan is the easy way to make sure you can afford the best dental care when you need it.

Simply pay a small regular sum every month. Then go to the dentist whenever you need to - and claim money back towards the cost of treatment, up to your annual limit.

The money comes straight to you, usually in a matter of days. You can also cover all the children in your family from an additional £1 per month.

Private or NHS?

You can claim for both. Here’s a quick guide to what you’ll be covered for.

  • Check-ups, x-rays, visits to the hygienist - maintenance in general
  • Fillings, bridges and crowns
  • Emergency dental care
  • Treatment after accidental damage to your teeth

It pays to be HealthSure. Here’s how.

  • Choose the level of cover you prefer from 3 options
  • Include your partner (any eligible adult living at the same address) if you wish
  • Claim back 100% of the cost of maintenance, up to your annual limit
  • Claim back 75% of the cost of dental treatments** up to your annual limit, once the relevant qualifying period has elapsed
  • Join up to the age of 69

For further information on Healthsure Dental Plans email quotes@privatehealthservice.co.uk

** There is a 3 month qualifying period for dental treatment, accident cover and emergency visits and a 6-month qualifying period for mouth cancer.

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HealthSure Cash Plans UK

Friday, January 18th, 2008

Healthsure cash plans. Keeping healthy is increasingly important in people´s everyday lives, yet trying to do so is becoming more expensive.

Simple tasks like having a regular check-up at the Dentist or Opticians, seeing a Physiotherapist or having Alternative Treatments are all more expensive than you think.

That´s why Healthsure have designed a range of Health Cash Plans that will help meet the cost of your everyday healthcare needs.

What is a Health Cash Plan?

Our low cost health cash plans pay out cash sums towards 26 different healthcare treatments. Cash sums are paid out following a visit to the dentist, chiropodist, seeing a specialist consultant or giving birth, up to the specified limit for that particular treatment.

After you´ve had your treatment, simply request a personalised claim form, complete it by stating the amount and benefit you’re claiming for and return to us with the receipt(s) attached and we will refund the money direct into your bank account up to your policy limits.

Benefits of a Cash Plan

  • No medical or health check required before joining
  • Cash back towards 26 different health treatments
  • Premiums aren´t based on age or amount claimed
  • Free resident child cover available when parent takes out a policy

For further information on Healthsure Cash Plans email quotes@privatehealthservice.co.uk

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UK Dentists Are Leaving The NHS

Friday, January 18th, 2008

Jan. 16 (Bloomberg) — A rebellion by U.K. dentists against the latest government contract has led more than 7 million Britons to avoid state-subsidized dental care in the past two years.

A Citizens Advice Bureau survey released today reports that 4.7 million people were forced to use private care since April 2006 at twice the cost of a state-funded dentist because so many practitioners refused to see National Health Service patients.

Another 36 percent of people, or 2.7 million, who responded to the poll by London-based Citizens Advice have gone without any treatment for almost two years. Under the NHS, every resident is eligible for care by a local dental practice.

Since the government changed its contract with 21,000 NHS dentists in April 2006, one in 10 dentists stopped offering state-funded services, saying the contract required them to increase their workloads while limiting their earnings. The U.K.’s private dental market grew 63 percent to 3 billion pounds ($5.9 billion) from 2002 to 2006, overtaking the 2.4 billion pounds budgeted by the government.

“Dentists are exiting the NHS either completely or they’re spending a much smaller proportion of their time doing NHS work,” said Sharon Grant, chairman of the public advocacy Commission for Patient and Public Involvement in Healthcare. The Birmingham, England-based group published a survey in October with similar findings.

The shortage of dentists willing to take NHS payments has resulted in an increase in the use of private dental insurance. The number of subscribers to dental plans, which cost 15 to 20 pounds a month for basic care, rose 31 percent to 2.9 million in 2006, according to London-based market research firm Laing & Buisson.

Skipping Care

Two in three Britons see NHS dentists, 25 percent use private ones and the rest, about 10 percent, skip dental care, according to an October survey of more than 5,000 patients and 750 dentists published by the commission.

“Improving access to NHS dentistry is now a national priority for the health service,” Health Minister Ann Keen said in an e-mailed statement.

The 2006 contract groups charges for 400 dental procedures into three bands and requires practitioners to meet quotas to maintain their earnings. Patients have paid for a portion of their dental care since 1951, three years after the NHS was founded.

Four years ago, NHS patients paid dentist Ian Gordon about 37 pounds per filling. Now, he’s required to fill as many teeth as needed at one time for 44 pounds.

Hitting the Target

“In the past, you looked at patients, at what they needed,” said Gordon, who just sold his NHS practices in and around Middlesbrough, England to a large chain and plans to open one that will only accept private patients. “Now you have to look at hitting the target. Working to a target culture isn’t the best thing for patient care.”

When Lorna O’Neill, 25, moved to Manchester from Liverpool to be closer to her job at a public relations firm last spring, she called three or four dentists near her new home. None was taking new NHS patients. She gave up and saw a private dentist, using a dental plan provided and paid for by her employer.

The country has about 42 dentists for every 100,000 residents, according to the Department of Health. Germany has 78 per 100,000, while the U.S. has 59, according to the World Health Organization.

Ballooning Budgets

The U.K. government, like counterparts in the U.S. and Europe, faces pressure to slow the growth of health-care spending as the cost of treatment rises and people live longer. While the NHS’ total budget grew 41 percent to 78.4 billion pounds from 2002 to 2006 in England, government spending on dentistry increased 38 percent.

The squeeze prompted private-equity firms such as Duke Street Capital Ltd. and Hutton Collins & Co. and corporate dentistry chains to buy up practices and has fueled demand for dental plans and insurance.

“We have not seen the end of this boom yet,” said Pam Whelan, corporate dental sales manager at 1.8 million-member Denplan, based in Winchester, England.

The 2006 NHS contract was aimed at encouraging preventive measures and reducing dentists’ incentives for so-called drill and fill care in an assembly-line fashion to boost earnings. A parliamentary committee plans to probe the contract’s impact in an inquiry next month.

About 58 percent of dentists who responded to the October survey said the quality of care has declined.

“If a patient comes in and needs a lot of work, there’s no additional reward for that,” Gordon said. “You get no gain for prevention. Who in their right mind is going to treat six crowns for the price of one?”

Leaving the Country

Patients’ frustration has reached the point where thousands seek dental care outside the U.K. Dublin-based Reva Health Network, a Web-based referral service, estimates 35,000 Britons a year travel to countries including Poland, Hungary, Thailand and Turkey for dental treatment that would cost more or require too long a wait at home.

Airline stewardess Noreen Fitzpatrick had dental work done during a stopover in South Africa after NHS dentists in Rickmansworth, a suburb north of London, told her they weren’t accepting new patients.

“I called the dentists and they were full,” Fitzpatrick, 44, said.

The government plans to increase the dentistry budget by 11 percent in the 12 months starting in April. Some practices stopped seeing NHS patients and sent their workers on forced vacations toward the end of the last fiscal year as government money ran low.

Last March, retirees Joan and Les Smith received a telephone call from their dentist in Rickmansworth.

“They phoned up and said they couldn’t do us on the National Health because they’d run out of funds,” Joan Smith, 73, said. “We had to wait.”

 

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Why Take Out A Health Insurance Plan?

Tuesday, January 15th, 2008

There are a multitude of reasons to take out a health insurance plan in the Uk. For the benefit of those that have never had a health insurance plan listed below are the 10 main reasons and benefits of having a health insurance plan in the UK.

1

 

Peace of Mind: Should illness strike, you can have the peace of mind that you and your family can have access to Private Care

 

2

Choice: You can choose the hospital that best suits you from the appropriate Hospital listing

 

3

High Quality Care: You are assured High Quality Nursing care

 

4

Convenience: You can plan an operation to suit your particular timetable

 

5

Speed: No need to wait months for a Specialist appointment and longer for a bed. In most cases you are referred to a specialist within days and receive prompt attention

 

6

Excellent Facilities: High quality facilities are made available to you

 

7

Quality advice: You can rest assured that you will receive quality advice from a consultant

 

8

Privacy: In most cases you will have your own en-suite room with satellite television and other home comforts

 

9

No Restrictions: In nearly all cases there is no restriction on visiting and relatives can call by when they like

 

10

No Medical: There is no medical required to join a Private Health Scheme

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Health Insurance For Small Business

Sunday, January 13th, 2008

Small business health insurance in the UK is an excellent benefit for anyone looking to cover their business and/or employees against the consequences of illness, injury and death.There are many health insurance companies in the UK that offer health insurance to small business owners, sole traders and companies. Most business health insurance plans will work out cheaper than normal individual or family health insurance policies. The advantages of small business health insurance are obvious to both employer and employee for whom this added benefit can be seen as a prospective employee as a significant benefit of the job. From the employer’s point of view small business health insurance will prove an invaluable asset in making up any profit losses should an employee be unable to work on a temporary or permanent basis.

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Finding The Best Health Insurance UK

Sunday, January 13th, 2008

In trying to find the best private health insurance to suit you, your family or business it is always in your interests to either search yourself with all the main health insurance providers or get an independent health insurance specialist to do the work for you. In most cases the work is free of charge and without any obligation. The brokers are renumerated by the health insurance providers for placing the business with them. Their job is to offer you a fair and honest reflection of the marketrplace so you can make an informed decision on what health insurance will suit you best.

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Health Insurance Broker In The UK

Saturday, January 12th, 2008

Getting Health Insurance quotes from a broker in the UK allows you to get an independent and fair assessment of the marketplace when looking for a new health insurance policy or quote. It is the health insurance brokers job to supply you with best advice and present to you a fair review of choice and cover.

There are many health insurance providers in the UK, all of which apart from offering health insurance may well have different level of benefit in their policies and importantly difffer in price. Get the broker to compare the health insurance policies for you so that you are allowed to make an informative decision on level of cover and price.

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BUPA Buys US Healthcare Company

Saturday, January 12th, 2008

BUPA has confirmed that it has bought its first US Healthcare company. It has paid £310m for Health Dialog which is the third largest and certainly one of the fastest growing specialist chronic disease management companies in the US. Fergus Kee, the managing director of BUPA health insurance has stated that this completes a "momentous year" for the Provident Association.

This now gives BUPA a real presense in the USA . Health Dialog already has a small presence in the UK and is on the department of healths list of approved contractors. The acquisition will cerytainly improve BUPA as a potential commissioner of NHS service.

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