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Information from
Medibroker
The ever-increasing demands of the British
Public, for NHS services have proved in recent years to
be impossible to reconcile with the finite resources and
human skills available from the State system. As a result,
individuals, families and companies have turned to the private
sector for Private Medical Insurance, (PMI). Those of us
who lead healthy, active, busy lives do not wish to contemplate
the possibility of illnesses, or the adverse financial consequences
which may result from being unable to work, due to a medical
condition.
In the next century, self-reliance in
terms of financial security in old age and healthcare provision
will be almost exclusively the responsibility of the individual,
family or company, except in emergency, where the NHS remains
invaluable.
For example, the British Heart Foundation
estimates that 250,000 people now suffer a heart attack
each year. You may wait a year to see a specialist or consultant
on the NHS. This has placed great stress on the NHS where
waiting lists for non-essential operations have escalated
at times, to many months. Affordable PMI offers the solution
for an increasing number who cannot afford to wait.
To understand the bewildering range of
Healthcare Insurance products offered on the market, ‘independent’
advice is recommended. Single company agents or “tied agents”
can only sell or advise on the insurance products of a single
company, where an independent consultant/broker may do business
with twenty or more insurance companies, thus being able
to advise on the most appropriate policy at the best value
for money benefit package. It could be one of the most prudent
investments you make. If you have a company, PMI premiums
can be tax deductible, although a benefit in kind to employees.
Medibroker was delighted to be appointed
by PCG to research the market and arrange the PCG's PMI
affinity scheme. After exhaustive investigation Medibroker
concluded that Royal & Sun Alliance offered the best benefits
and most reasonable costs. We are pleased to note that Royal
& Sun Alliance has been jointly awarded the "Private Medical
Insurer of the Year" title. We feel that our choice of RSA,
for the PCG Affinity Scheme, is therefore confirmed by the
Industry in 2000.
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