Private Medical Insurance
Background
There are many different types of Private Medical Insurance policies in what turns out to be a surprisingly complex area of insurance.
We've been particularly struck by how it's almost impossible to compare the policies on a like for like basis.
They've all got different benefits and cost different amounts.
And you have to be very careful because the small print is riddled with booby traps.
You get to a point where it seems it's standard practice for the term "Full Cover" to mean lots of things - except what we'd all understand Full Cover to mean.
That's Personal Finance, UK style, for you.
Don't go direct
We concluded that, if you want to get Private Medical Insurance, what you really need is expert, unbiased information.
That basically rules out the providers ie the household names who are simply promoting their own products.
The best approach is to find a firm that specialises in Private Health Insurance. Ask them for a quote and compare this with others. ALWAYS GET THREE QUOTES.
Compare the quotes by looking at the advisers' fees / commission and the products they recommend.
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