" Health is certainly more valuable than money, because it is by health that money is procured"
- Samuel Johnson.

It's when you need to make a claim that you realise just how wise investing in health and medical insurance can be.

Private medical insurance (PMI)
The National Health Service is one of the best healthcare systems in the world for the treatment of accidents and emergencies. However, the sheer number of operations needed for less urgent conditions means that it continues to struggle to cope with the increasing demand on its resources. When you need medical treatment, you don't want the hassle and additional pain that waiting can cause; that's where Private Health Insurance can help you.

Private medical insurance covers medical treatment and usually means you can get treated quicker than going on the NHS.

Premiums are worked out on the basis of age and the type of cover required. And there is a wide range of different insurances to choose from.

Critical illness
A critical illness such as cancer or a heart attack can strike anyone at any time. Although a critical illness can be treated, or even cured, your life may never be the same again. Critical Illness Insurance is designed to pay out a lump sum benefit, free of income tax and capital gains tax, in the event that you are diagnosed with a serious or critical illness as defined by the insurance provider. Whatever happens, cover can give you a cash sum to help you maintain your quality of life.

Income Protection Protection (IPP)
If you are unable to work because you became ill or were involved in an accident, could you afford not to have an income?

Unfortunately the likelihood of being unable to work due to an illness or injury is greater than you may think. If you are self employed there may be insufficient financial assistance available and even as an employee your company may not provide sufficient benefits to cover the continued costs of day to day living.

An income protection plan is designed to provide an income, usually after a minimum deferred period of 4 weeks, if you are unable to work through sickness or injury.

An Income Protection Plan is designed to ease your worries during incapacity towards maintaining your present lifestyle and help remain financially stable.

Long-term care
As you get older, you might develop health problems that could make it difficult to cope with everyday tasks. So you might need help to stay in your own home or to move into a care home.

The State may provide some help towards the costs of this care depending on your circumstances. There are also several financial products that can help you pay for long-term care.

If you require more information, contact us on 01276 488030 or fill in our Request Form.