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PruHealth Partners With The National Trust To Organise Walking Festival

PruHealth and the National Trust have reported that more than 32 million people plan to head outdoors to enjoy an autumn family walk, new research has shown.*

Over 16 million (33%) say it’s the season’s beautiful colours that makes autumn walking so special.

To celebrate the season and to promote the virtues of being active, the National Trust is holding its first ever National Festival of Walking this October half-term, with at least 50,000 people expected to take part.

The National Trust has partnered with a leading health insurer PruHealth to organise around 1,000 events all over the country, from barefoot walks to silly walks, adventure walks to wildlife walks.

The festival is the perfect opportunity for the public to get outdoors and have fun, especially with 41% of adults saying they don’t spend enough time with their families. **

William Wake from the National Trust’s outdoors team said: “From leaf kicking to finding conkers and wrapping up warm, there is something simply delicious about an autumn walk.

“We’re asking people to tell us what they think makes autumn walks so special, to see if we can identify the perfect formula for a family outing this half term.”

Events are taking place at 180 sites in England, Wales and Northern Ireland from 22-30 October.

There will also be more than 800 free walking routes available to download from the National Trust website at www.nationaltrust.org.uk/walks.

People can also log their own favourite walks on an interactive map on the website, and join a debate on the best things about autumn walking on the National Trust’s Facebook pages or on Twitter using #walkfest from October 20.

Dr Katherine Tryon, Head of Clinical Vitality for PruHealth, added: “The Walking Festival is a great way to get active with the whole family, and there are walks to suit all fitness levels.

“Government guidelines*** recommend we walk 10,000 steps a day, and just thirty minutes of brisk walking each day can help reduce the risk of coronary heart disease, maintain a healthy weight, improve self-esteem and reduce symptoms of depression and anxiety.

“The average walk at the National Trust is three to four miles, which is approximately 6,000-8,000 steps – well on the way to reaching the target while having a fun day out. When you’re healthy, you can get more out of life – come along and see.”

Via EPR Network
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The Government’s Ambitious Reforms For Social Care Could Prove Just The Tonic For A Healthier NHS

Announcing his ideas earlier this week, Prime Minister Gordon Brown outlined ambitious plans to reform Britain’s social care with the creation of an NHS-style national care service.

The Government's Ambitious Reforms For Social Care Could Prove Just The Tonic For A Healthier NHS

The reform, which will be set into three stages, will begin with a “radical overhaul” of care in the home that will provide support and services to encourage elderly people to live independently for longer in their own homes.

With lengthy waiting lists topping healthcare concerns for many UK residents, it is hoped that the social care reform will help alleviate future strain on the NHS where increased life expectancy of the ‘baby-boomer’ generation could lead to demand outstripping supply.

A representative for www.quoteboffin.co.uk praised the Government’s attempts to future proof the NHS even though the effects of any social care reform could take years to become apparent:

“The Government are right to have acted on current trends that suggest the NHS could face huge challenges in the future. Budget cuts, a growing population and increased life expectancy all add to an already strained NHS so providing improved support means elderly people are less likely to end up in hospital when they could be living independently or in a care home.

“It’s worth remembering though that the effects of any care reform will take years to filter through. If UK citizens are looking to avoid waiting lists and want guaranteed access to prompt treatment they are still better off going private until the benefits of any reform come to fruition.”

The reform has not gone without criticism however as a number of charities and care groups claim the Government’s aspirations – such as free residential care for anyone who has been in care for more than two years – cannot be backed up by solid and sustained local funding.

QuoteBoffin went on to further explain the concerns of those opposed to the reform:

“The social care white paper has met criticism from a number of charities and groups whose job it is to look after vulnerable people – such as disabled adults – who feel their needs have been ignored in favour of looking after the elderly.

Via EPR Network
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Quoteboffin.co.uk – Calls For Binge Drinkers To Think About The Bigger Picture As NHS Staff Call In Police Protection

Money saving website – www.quoteboffin.co.uk – is asking weekend party goers to consider the repercussions of excessive drinking after it emerged that the NHS spends tens of thousands of pounds a year on police protection for A&E staff.

Police officers are being drafted in up and down the country in a bid to protect the welfare of doctors and nurses treating patients on Friday and Saturday nights.

Branded a ‘war zone’ in a BBC report, the culture of drinking to excess has seen a sharp rise in the number of NHS workers being threatened verbally and physically by drunken patients in A&E wards.

A spokesperson for Quoteboffin.co.uk urged weekend revellers to show greater respect for the NHS by considering the repercussions of their binge drinking:

“No one deserves to work in an environment where physical and verbal abuse is a reality. NHS staff in particular are there to help but their jobs are made increasingly difficult when faced with aggressive situations.

“Party goers need to remember that alcohol is not an excuse for violence towards anyone; let alone someone who is trying to treat patients who are in potentially critical situations.”

Glasgow’s Royal Infirmary and Western General in particular boasts the most advanced violence and aggression policy in Scotland; the two hospitals currently spend £60,000 a year on police support, CCTV and direct lines to police stations.

Other hospitals in areas like Bristol have felt the need to introduce a police presence throughout the rest of the week in a bid to tackle drunken antisocial behaviour.

Health workers are calling on the government and police to impose stricter penalties on people who attack or threaten medical staff.

QuoteBoffin.co.uk went on to highlight the financial pressures of binge drinking on the NHS and beyond:

“Binge drinking and alcoholism is a costly business with taxpayers collectively forking out over £1.5 bn annually while the short and long term consequences of heavy drinking can substantially push up an individual’s health or life insurance premium.

Via EPR Network
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Ditch The Cigarettes On No Smoking Day To Save A Bundle On Your Life Insurance Premium

On Wednesday the 10th of March 2010, hundreds of thousands of people up and down the UK will stub out their final cigarette as they kick the habit and give up smoking for good. Smoking currently claims around 106,000 lives in the UK each year due to a plethora of smoking related diseases such as cancer, heart disease and emphysema.

Ditch The Cigarettes On No Smoking Day To Save A Bundle On Your Life Insurance Premium

Treatment for illnesses caused or aggravated by smoking costs the NHS £5 billion annually.

Life insurance comparison website – Quoteboffin.co.uk – are calling for smokers to embrace No Smoking Day as the perfect time to ditch their addiction.

A QuoteBoffin spokesperson said, “For years smoking has been recognised as something that’s bad for us although it would appear it takes more than just health risks to encourage some people to stop.

Last year No Smoking Day was the catalyst for 1 in 10 people kicking the habit; that’s the equivalent of 900,000 people who will now enjoy improved health and increased life expectancy through one simple lifestyle change.”

Aside from the health benefits, quitting smoking could also save individuals a bundle on their life and health insurance premium.

On average, life insurance premiums for smokers can be more than three times higher than non-smoker premiums; boasting a saving of thousands of pounds for those who are
willing to quit.

QuoteBoffin.co.uk point out the kind of extra expenditures smokers unwittingly make: “The cost of smoking doesn’t just stop at the cigarettes. Smokers depreciate the value of their cars and homes with the smell of cigarette smoke and damage caused by falling ash. Home owners can also expect to pay more for their home insurance since cigarettes cause house fires.

Life insurance provider Aviva recently conducted some research into insurance premiums for smokers. They found that a 25-year-old male smoker will pay £1,800 more over the course of 30 years for £125,000 of cover than his non-smoking counterpart. With smoking causing a massive strain on an individual’s physical and financial well being, the real test comes down to will power; something the No Smoking Day charity are there to help with.”

More information and support for smokers looking to quit can be found at:
http://www.nosmokingday.org.uk/index.htm

Via EPR Network
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Health Initiatives Gaining Momentum With UK Firms, Report Says

PruHealth, private medical insurer, has revealed as part of its new Workplace Health Report into the impact of health and wellbeing measures and culture in the workplace, that 89% of larger firms in the UK and 33% of SMEs offer health incentives for their employees.

Senior executives (75% of larger firms and 55% of SMEs) believe fostering a healthy lifestyle in the workplace is part of their role as a responsible employer. Furthermore, 83% of employees stated that an employer’s attitudes to health and wellbeing are an important factor when looking for a new role, which means providing a health and wellbeing programme has never been more important to help attract and retain quality.

Firms also believe health initiatives can help increase staff morale, improve productivity and reduce absenteeism as a ‘halo’ effect of a healthier workforce. Additionally benefits of encouraging a healthy culture in the workplace are also evident, with 51% of larger firms and 38% of SMEs experiencing a drop in absenteeism since introducing wellbeing initiatives.

With sickness and absence costing UK plc £20 billion a year larger firms with over 250 employees are actively encouraging a healthier and happier workforce as part of their responsibility as employers. As well as introducing initiatives, 81% of senior management are leading by example and engaging in healthy behaviour in the workplace, like sponsoring employees’ charity fun runs (55%), taking part in exercise classes and sports teams at work (49%) or eating healthily in the office (35%).

With economies of scale proving a barrier for some companies, only 33% of SMEs offer health initiatives to staff. However, 47% of SME senior executives said they are setting a good example through healthy behavior and taking part in exercise classes and sports teams at work.

PruHealth’s Vitality incentive programme enables smaller companies to provide a full ‘blue-chip’ range of healthy activities for employees as part of their corporate private health insurance, enabling companies of all sizes to benefit from a healthier workforce.”

About PruHealth
PruHealth was launched in October 2004 as a joint venture between Prudential and Discovery Holdings from South Africa to provide private health insurance. Since launch, PruHealth has grown quickly. PruHealth medical insurance now covers over 190,000 lives and in a sample of its individual customers, one third said they had changed their behaviour for the better because of its Vitality reward scheme which encourages policyholders to look after their health.

Via EPR Network
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Divorce Survival Kit Released as Ultimate Divorce Resource

The Divorce Survival Kit has just been released as the ultimate comprehensive resource for people experiencing divorce. The Divorce Survival Kit was developed by Carol Ann Wilson, one of the nation’s foremost experts on divorce and finances. The Divorce Survival Kit consists of a four (4) CD audio set and complete workbook filled with examples, forms and checklists. The product took over a year to complete, and it represents a great wealth of Carol Ann’s vast knowledge and experience. The Kit contains everything you need to know if you are going through a divorce and are concerned with how to survive financially.

The topics covered in the Divorce Survival Kit include:

  • Marital vs. Separate Property: Learn the truth about marital and separate property and how to keep what is yours. Don’t surrender it if you don’t have to!
  • Alimony/Maintenance: Find out if you are likely to receive alimony and how much. If you have to pay alimony, understand how to best protect yourself and minimize your losses.
  • Health Insurance: Did you know you could become uninsurable after your divorce? Protect yourself and your children.
  • Child Support: Learn what you need to know about the Child Contingency Rule that could save you from owing the IRS thousands of dollars.
  • Asset Division: Don’t ruin your financial future by failing to consider hidden assets and tax consequences. Discover the best ways to divide all your assets.
  • Dividing Retirement Accounts: This is often the biggest asset in the marriage. Avoid some common mistakes and make the most of this valuable asset.
  • Settlement Alternatives: Courtroom battles can be costly and expensive, but there are alternatives. Mediation, arbitration and collaborative divorce are explained.

Carol Ann Wilson, a Certified Financial Divorce Practitioner, is the founder of the profession of divorce financial planning. She has been working with divorcing clients and their attorneys for over 20 years.

Carol Ann’s dedication to helping couples financially survive their divorce has driven her to continuously develop more ways to help them. In addition to the Divorce Survival Kit, Wilson has authored many books and articles on divorce, has served as an expert witness in court for over 120 divorce cases, has developed software for professionals used in determining financial results in divorce settlements, and has trained thousands of divorce financial planners around the country how to work with divorcing clients to achieve fair and equitable divorce settlements.

Currently, Wilson is the president of the Financial Divorce Association, located in Longmont, Colorado, and an owner of the Academy of Financial Divorce Practitioners in Chicago. Her expertise, as the founder of the profession, is highly sought-after, and Wilson continues to consult with divorcing clients today.

“The Divorce Survival Kit is going to help a lot of people,” Carol Ann says. “I am excited to be able to offer all of my knowledge and experience in one complete package, that is affordable to anyone. I like to say that you get my 24 years of experience for less than the cost of 30 minutes with an attorney.”

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Insurancewide Urges People To Take A Fresh Look At Health Insurance

As health insurance reform dominates the headlines in America – and has news pundits writing about it here in the UK - Insurancewide urges consumers to take a fresh look at the benefits of health insurance, which doesn’t have to have a prohibitive cost attached.

Barack Obama is atttempting to bring in sweeping healthcare reforms, which will mean the millions of Americans without health insurance can have access to good quality medical treatment – it’s estimated that 46 millions US citizens live with the worry of financial ruin if they were to fall ill.

Health Insurance For Peace Of Mind

Of course, in the UK we have the NHS which has always been free at the point of service, yet we have our own healthcare worries – waiting list numbers never seem to come down and hospital-related infections are still not under control. There are many reasons people in the UK seek out health insurance, and Insurancewide, one of the UK’s leading insurance comparison sites, is urging those who may not have considered it, to take a fresh look.

Private health insurance can give you the valuable peace of mind of knowing if you were to fall ill, or need treatment following an accident, you wouldn’t have to suffer the added worry or stress of being put on an NHS waiting list. Instead, with health insurance, you would receive quick attention at a private hospital knowing it was all covered under your premium (depending on the kind of premium you had purchased).

Health insurance offers a wide range of coverage – broadly speaking, it will cover short-term illness, accidents (though not of the kind relating to dangerous sports), in-patient treatments and also alternative remedies in some cases – each individual policy must be checked and evaluated before purchase.

The best way to check health insurance policies and compare quotes, is to use an online insurance comparison site such as Insurancewide. Comparison websites are useful not only for those new to health insurance but those people who already have a health insurance policy in place – you could find a more competitive quote or a policy with more benefits tailored to your needs.

About Insurancewide

Insurancewide, also known as Insurancewide.com Services Limited, is an online insurance comparison website offering insurance comparison tools which allow users to search the market and procure the best insurance policies and quotes. Insurancewide was launched in August 1999 as the first insurance comparison website on the internet.

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Health Insurance Is Cheaper Than You Might Think

In recent weeks it has been reported the National Health Service (NHS) will face a shortfall of funds as the previous big spending boom comes to an end in 2011. At the annual NHS confederation conference in Liverpool, the report ‘Dealing with the downturn: the NHS’s greatest ever leadership challenge’ stated if extra money wasn’t found for the NHS in 2011/2012, it was in danger of no longer being free at the point of service. This is the worst case scenario, but even if it doesn’t come to pass, Brits could face longer waiting lists and an overall poorer experience – alarming news for the many people who don’t have private health insurance.

insurancewide

There is the general view that private health insurance is an expensive and unneccessary cost to add to your monthly outgoings – however Insurancewide – a specialist UK insurance comparison website is urging people to take a fresh look, as it might not be as expensive as they think.

Cheap Health Insurance – Benefits and Comparisons

As with most types of insurance, health insurance can be as cheap as you like, or you could go for a more expensive option – when purchasing health insurance it’s definitely worth investing a little time and effort into making the right decision. There are usually three levels of cover on offer – budget, standard and comprehensive.

Budget health insurance covers treatment but usually sets the payouts at a certain level and limits the range of hospitals the patient is able to visit. Standard plans can cover some outpatient treatment and in some instances limited complementary therapies, and premium health insurance will cover elements such as home nursing, ambulance services, all complementary therapies and treatments with no limit on cost. If you fall ill, and you have even the most basic and cheap health insurance, you can rest-assured that you will be able to bypass NHS waiting lists, choose a private room for treatment and have most, if not all, your medical bills covered – depending on the length of your illness.

So, whilst you can buy expensive health insurance if you can afford it, basic plans can still give you the peace of mind of knowing you are covered should you fall ill and need treatment immediately – and with the latest doom and gloom predictions regarding the NHS such peace of mind is very valuable. Insurance comparison sites are a quick and effective way of comparing multiple health insurance quotes from various different providers, allowing you to make a decision based on your needs.

About Insurancewide

Insurancewide, also known as Insurancewide.com Services Limited, is an online insurance comparison website offering insurance comparison tools that allow users to search the market and procure the best insurance policies and quotes. Insurancewide was launched in August 1999 as the first insurance comparison website on the internet. The site also powered tools used on popular website Confused.com.

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Expats Should Seek Health Insurance For Swine Flu Protection

If the outbreak of swine flu has proven anything, it’s that healthcare systems in Western countries – despite all their flaws – are generally better prepared to deal with such pandemics than their poorer counterparts in Africa, Latin America and parts of Asia. Moreover, whilst the British government may be stocking up on Tamiflu and Relenza to treat people in the UK who contract the H1N1 virus, this is likely to be of little comfort to British expatriates.

health-insurance-comparison

As a result, many experts have urged expatriate communities to seek out comprehensive health insurance policies to protect their medical interests, particularly in countries where hospitals and medical facilities can be unreliable. Navigating the minefield of international medical cover can be difficult – what kind of insurance will you need and how much should you pay? By keeping your most important requirements in mind – and seeking some advice from knowledgeable sources – finding the answers to these questions needn’t be difficult.

How to approach buying international health insurance

As technological advances and the globalised economy continue to make the world a smaller place, British expatriate communities are expanding. For many of these people, dealing with healthcare systems in their chosen country of residence can be the hardest thing about living abroad. For starters, accessing medical treatment on the NHS in the UK is largely free – in other countries, this is unlikely to be the case. Therefore, finding an international health insurance policy that covers the costs you may incur when being treated abroad is essential.

Expatriate financial website ShelterOffshore.com highlights the fact that most international health insurance policies offer similar ‘one-size-fits-all’ policies, wherever in the world the policyholder may live. Depending on which level of cover you opt for – from basic packages to comprehensive policies – these can include a range of benefits, from recouping the costs of GP visits to covering repatriation in the most severe cases.

However, it may not always be necessary to have all of these cover options. In countries with exceptional medical facilities, such as Germany, it’s unlikely you will need to be flown back to the UK for treatment. On the other hand, if you live in rural China, you’re likely to need more sophisticated health insurance in order to cover the cost of transport to the nearest urban centre with access to high-quality healthcare . In fact, one US-based insurer recently revealed to The Telegraph that it could cost up to £20,000 extra to airlift a patient from rural China to Hong Kong or Singapore for medical treatment.

Getting the most out of an expatriate medical insurance policy

If you’re keen to purchase an expatriate health insurance policy that can be moulded to your needs, it’s best to contact a well-established medical insurer – for example BUPA or AXA PPP Healthcare – directly. Alternatively, ask others in your expatriate community who they would recommend for medical insurance. If you work for a multi-national organisation, it’s also possible they already have a preferred health insurance provider with discounted rates for employees.

In the event that no specialist international health insurance provider meets your needs, why not go local? Insurance comparison websites will help you find the insurer that best meets your healthcare requirements. Ultimately, the more research you carry out before purchasing your expatriate health insurance policy, the better you’ll be able to find comprehensive cover at a price you can afford.

About Insurancewide

Insurancewide, also known as Insurancewide.com Services Limited, is an online insurance comparison website offering insurance comparison tools that allow users to search the market and procure the best insurance policies and quotes. Insurancewide was launched in August 1999 as the first insurance comparison website on the internet. The site also powered tools used on popular website Confused.com. Insurancewide is FSA regulated.

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Insurancewide, A Leading Insurance Comparison Provider In The UK, Is Urging Insurers To Offer Consumers More Flexibility When It Comes To Health Insurance

The call comes shortly after Tesco Insurance announced it was launching new levels of health cover in response to a customer survey asking for greater flexibility towards private medical insurance. The insurer revealed that it would be adding three new cover options to its list of health insurance products: Operations and Procedures, Consultations and Tests and Additional Therapies. New customers will also have the option of getting three months free when they sign up to Tesco Health Insurance.

Although figures from the Association of British Insurers indicate that the number of people covered by private health insurance is on the rise, with a 2.7 percent increase registered in 2008, Insurancewide believes that further measures can be taken to make medical cover more accessible to the general public.

Making UK health insurance policies more flexible

Since the UK has provided its population with free health care on the National Health Service for over half a century, many Brits tend to look upon health insurance as a luxury rather than a necessity. Yet with medical threats like swine flu making their way closer to home, and NHS waiting times showing no signs of getting shorter, many people have effectively come to consider private health insurance as a requirement and a valuable source of peace of mind.

However, despite this widening market, many health insurers continue to sell general medical insurance packages without giving customers much room to tailor their policy to their own requirements. For instance, a family of four may wish to have a policy weighted towards paediatric care, while a young, single man in his twenties may want to purchase a health insurance policy containing options for alternative therapies such as acupuncture and physiotherapy. Others – especially people who already have a life insurance policy in place – may want to pay less for medical insurance without accidental death cover.

Insurancewide allows customers to compare health insurance policies across the UK market, making it simpler for users to request quotes and contrast policy benefits in order to choose a plan that’s right for them. However, to provide consumers with even more flexibility, the insurance comparison provider urges medical insurers to offer consumers greater choice to build policies to their own requirements, and offer policyholders insurance packages that are bespoke, comprehensive and affordable.

About Insurancewide

Insurancewide, also known as Insurancewide.com Services Limited, is an online insurance comparison website offering insurance comparison tools that allow users to search the market and procure the best insurance policies and quotes. Insurancewide was launched in August 1999 as the first insurance comparison website on the internet. The site also powered tools used on popular website Confused.com. Insurancewide is FSA regulated.

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Health Cash Plans Could Be Your Ideal Medical Insurance Option

Unlike in the United States, people in Britain very rarely think of health insurance as an essential outgoing thanks to the National Health Service (NHS), one of the world’s pioneers in the provision of social health care. However, as strains on the NHS grow across the country in the form of both population growth and the pressure to keep up technologically, many Brits are now considering health insurance as an added guarantee that they will be able to receive medical treatment – whether it’s public or private – in their hour of need.

insurancewide

Nevertheless, many of these people are also concerned about the effect this added expenditure may have on household budgets, particularly as the recession continues in the UK and fears of job cuts remain high. Yet it’s important not to let economic constraints get in the way of providing for your health – by looking in the right places, it’s possible to find affordable health care plans for both individuals and families. Health cash plans, for example, often provide a bespoke form of health insurance that can fit right into your monthly budget.

What you can get out of a health cash plan

Essentially, health cash plans allow you to claim back money against medical expenditure, including visits to the optician and the dentist – both areas of health care that are not completely covered by the NHS . If you have teeth that need special attention, this type of dental health insurance could be invaluable if it covers check-ups, dental x-rays and hygienist visits. What’s more, if you have less than perfect vision, optical costs covered by health cash plans often include prescribed glasses and contact lens subscriptions. Being able to claim back these costs could make a huge difference to your household budget.

Some health cash plans even provide insurance benefits which extend to complementary therapies, such as osteopathy, physiotherapy and even acupuncture. The ability to receive these treatments and claim back the costs on your insurance could make a significant difference to your quality of life. For instance, if you have a recurring back injury that is keeping you out of employment, physiotherapy treatments could be essential in helping you get back to work. In addition, acupuncture could be a beneficial way to beat the effects of stress, a common complaint during times of recession.

Compiling your health cash plan

To find the health cash plan that best suits your health insurance needs, it’s crucial to shop around to seek out the best deal. Some health cash plan providers may let you pick and choose your cover option in order to tailor-make your policy to your medical needs – a feature that could be particularly important if you suffer from a recurring condition. And with some insurance providers offering one month free or cash back benefits, you can be sure that you’ll find plenty of opportunities to find the health cash plan that’s right for you and your family.

About Insurancewide

Insurancewide, also known as Insurancewide.com Services Limited, is an online insurance comparison website offering insurance comparison tools which allow users to search the market and procure the best insurance policies and quotes. Insurancewide was launched in August 1999 as the first insurance comparison website on the internet.

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Patients Should Turn To Health Insurance For Dental Care, According To Insurancewide

As a recent study from SimplyHealth indicates that people in Britain are struggling with the cost of dental care, Insurancewide – a leading UK insurance comparison site – is urging people to turn to health insurance as a way of reclaiming this expense.

insurancewide

According to the Simplyhealth Annual Dental Survey released in April 2009, one out of every three Brits is struggling to find an NHS dentist, a figure that’s up from just under one in four in 2008. The situation is particularly bad in Plymouth, where over 50 percent of people cannot find an NHS dentist. What’s more, over half of the respondents said they were putting off visiting the dentist for fear of how much it may cost. As a result,Insurancewide is urging these patients to consider taking out a health insurance policy that includes dental cover as a long-term money saving measure.

What to expect in dental cover from a health insurance policy

Before choosing a health insurance plan with dental cover, it’s important to consider what’s most important to you – for instance, do you want regular check-ups with the dentist to be covered by your policy? Or you may consider emergency dental treatment a must in your cover options. Generally, most dental insurance plans will include cover for both these events, but it’s crucial to check your policy before purchase nonetheless.

With a comprehensive dental insurance policy in place, patients can often claim back 100 percent of their dental costs (as long as they fall within their annual limit for the year). Claims can usually be made straight away and cover may be extended to include other family members at a minimal weekly or monthly cost. Dental health insurance also gives patients the opportunity to visit an NHS dentist or private orthodontist. So not only could it help eliminate the unpredictable cost of visiting the dentist, dental cover could even make it considerably easier for patients to find dentists in their local area.

Insurancewide specialises in allowing people in the UK to compare health insurance providers across the market and obtain competitive health insurance quotes. By carrying out an insurance comparison, it’s possible to consider both the price of health cover and what’s included in particular policies. For instance, some health insurance plans may include dental cover as standard; others may offer it at a higher premium. Initially, health insurance premiums may seem like an extra monthly outgoing but their long term benefits are likely to make visits to the dentist both more affordable and convenient.

About Insurancewide

Insurancewide, also known as Insurancewide.com Services Limited, is an online insurance comparison website offering insurance comparison tools which allow users to search the market and procure the best insurance policies and quotes. Insurancewide was launched in August 1999 as the first insurance comparison website on the internet.

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Here Are Some Of The Best Ways To Save Money On Your Health Insurance

No-one likes to spend money when they don’t really need to. If we have to, we look for the best deal to make sure we’re not paying over the odds and the same is true of your health insurance. Here are some of the best ways to save money on your health insurance:

Have you throught about whether you actually need health insurance? In the UK, our taxes pay for the provision of a free health service – the NHS. So private health insurance is sometimes seen as a luxury. Indeed, private healthcare doesn’t normally cover GP check-ups or accident and emergency treatment. It can also exclude the treatment of long term illnesses which you may have had before you bought the policy e.g. cancer, diabetes or cosmetic surgery.

Essentially, if you’re looking for a vastly improved service and you don’t fall into one of categories above, health insurance could be a vital purcase for you. If not, you could be wasting your money.

Another option is to simply pay for treatment as and when you need it. This is great if you’re cash rich or manage to put away a small amount each month into a savings account. The main benefit being if you don’t end up needing any private treatment, you’ve still got the money you’ve put aside. However this method requires a lot of discipline and generally isn’t a recommended form of protection.

You may be covered by your employer, as many now include some level of private health insurance as part of their renumeration packages. It’s worth checking this out before you buy health insurance to ensure you’re not paying for cover you already have. It’s always worth checking the details however, as it may be that you need cover beyond the level offered and you could top-up that policy with your own funds.

Buying health insurance is the same as any purchase – you won’t know whether you’re getting the best deal unless you’ve got a price from everyone. You could go to the big names (AXA PPP, BUPA, Standard Life, etc) but it’s much easier to do your health insurance comparison online where you’ll be comparing all of the big names in one place, as well as the specialist providers. The service offered by Insurancewide not only finds the best health insurance or broker, it allows you to talk to a representative to discuss your options in more detail – there’s nothing quite like the human touch.

As you near the conclusion of your health insurance purchase, you should try to get the best deal possible out of the premium you’re about to agree to. Firstly, haggle as much as you like – the health insurance brokers all work to various levels of commission so they may have some room to manoeuvre. Secondly, you can go through the various treatments you’re covered for and remove those which you don’t believe are likely to apply to you.

Another option is to ask the health insurers about budget policies which will pay for your treatment only if you need to wait for more than six weeks (or another defined period) on the NHS. This can cut premiums by anything up to a third.

Also don’t forget that your circumstances and the health insurance premiums will change over time. So each year, make sure your carry out a health insurance comparison to make sure you’re getting the best deal.

About Insurancewide
Insurancewide, also known as Insurancewide.com Services Limited, is an online insurance comparison website offering insurance comparison tools that allow users to search the market and procure the best insurance policies and quotes.

Insurancewide was launched in August 1999 as the first insurance comparison website on the internet. The site also powered tools used on popular website Confused.com.

Via EPR Network
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