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Finding Good Value Health Insurance for Your Family

Mar 17, 2008
Despite access to the NHS, there are still many reasons for investing in private health insurance for you and your family.

Perhaps the most powerful reason is that when someone you love needs medical treatment, you do not want to be hindered by NHS waiting lists and bureaucracy. You may also end up incurring additional expenses by taking time off from work or having to arrange childcare with little notice when your appointment is confirmed.

A good family health insurance policy can put you back in control of your family healthcare. With good PMI, your family has access to quality care when it is needed. With the right policy in place, you will be able choose the time and place that most convenient for you.

Choosing the right PMI for your family requires some thought and exploration. Among the factors to consider are costs, benefits, coverage and your family needs. If you are looking for quality health insurance for your family, the following advice can help you find the best fit for your needs at the lowest possible cost.

1. Consider how much excess you can pay.
One of the most obvious ways to lower your health insurance premiums is to accept a higher excess amount. Rather than reducing benefits, you can reduce your premium by agreeing to pay more for your share of any medical expenses. If you can afford to pay the first of necessary care for your family, it can lower your premiums by as much as a year. Consider your family overall health when deciding on how much excess you can afford.

Most policies count your excess per person in your family. That means that if your son breaks his leg, you will pay the first , and insurance will cover the rest. If your daughter trips and falls downstairs a few weeks later, you will pay another for her care.

2. Consider your family needs.
Limiting options is another way to cut the cost of health insurance. Some companies offer plans that allow you to build a custom plan that is affordable for you. For instance, why pay for maternity cover if you do not plan on having more children? If your family is generally healthy, you can also opt for cover for accidents and emergencies, but choose to pay out of pocket for other treatments.

3. Limit your options.
Limiting certain options and treatments can also reduce your costs. Many insurers offer a restricted hospitaltion that is less expensive than typical PMI. By agreeing to use the hospital specified by the plan, you will save the company money and they will pass the savings to you.

4. Combining PMI with NHS care can save you money.
One unique plan offered by Norwich Union pays you if you choose to use the NHS. When you choose NU Fair and Square plan, you have the choice of getting eligible treatment on the NHS. If you do, you will be paid for your first night in hospital and for subsequent nights up to a maximum per annum.

Another option is the six week paln which enables you to agree to take treatment on the NHS if you can get it within six weeks. If you cannot, then your private health insurance will kick in. Choosing the six week option can cut your premiums in half.
About the Author
For further information please visit http://www.privatehealthservice.co.uk
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