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Health insurance : Hot topics

In "Hot topics", Ian Youngman, Private Healthcare UK's health insurance writer, examines some of the key issues that affect health insurance coverage and premiums.

How risky or safe is your insurance? The risk you take with an insurance policy depends on two things: The type of policy you have and the relative strength or weakness of the insurance company.
Saving money by cancelling or reducing cover on your international health insurance The urge to reduce medical cover can seem overwhelming, but resist it. Cutting out chronic disease cover could save you 10 or 20% on your premium, but nothing is simple as everyone disagrees on what conditions should be covered. You are unlikely to get cover for Alzheimer's, arthritis, heart disease, diabetes or asthma. Some do cover organ transplants and the ongoing maintenance for chronic...
The myth of monthly payments You may have seen recent articles that suggest you should pay premiums monthly rather than annually to protect yourself from the outside chance that your insurer could go bust. But as most policies are annual, not monthly, all you are doing with a monthly premium is paying the annual cover in instalments. If the insurer went bust, you would still be pursued by the liquidator or administrator for...
Will my insurer go bust? The recession in the UK and US is causing problems for many banks and some insurance groups. A key problem is that suspicion of problems leaves a crisis of confidence and this in turn can sink even the biggest names. Intermediaries are bound by FSA rules not to use companies they have suspicions about.
Long Term Care policies: An investment, peace of mind or waste of money? With a credit crunch, banks in crisis, politicians in trouble, and jobs on the line; to an average fifty-plus couple, long-term care planning must seem the least of their worries. In recent years, the long- term care insurance and investment market in the UK has, unlike in the US, almost disappeared.
Travel health insurance and the Equalities Bill The Government's new Equalities Bill aims to put an end to age discrimination in England, Wales and Scotland. It will consolidate previous discrimination law into a single piece of legislation. Under the new law, insurers will be barred from rejecting older people who apply for travel insurance, or charging extortionate premiums.
European medical treatment on the NHS You have probably seen comments from politicians and health officials in the UK in national papers about this. Many of those comments were made before the information was issued. Few actually read the details before foaming at the mouth that the UK was not going to pay for foreigners coming here or for UK residents going overseas. Having studied the documents, rather than the reports or press...
Cancer sufferers deserve better from the travel insurance industry Sometimes you have to feel sorry for the insurance trade body the ABI as they seek publicly to defend the indefensible. The insurance trade has been under attack, mostly from inside, that it is ageist on travel policies. So the ABI looked for a tame newspaper that would publish the truth without asking any nasty awkward questions like us journalists are supposed to do. If we don't ask...
Banks love affair with insurance is over An expert is by definition someone who knows more and more about less and less. Management consultants employ bright young people usually with no business experience - to advise mere mortals of what to do with their businesses. They charge huge fees for the privilege. The world's business press and business leaders bow before their wisdom. They are the modern equivalent of soothsayers or...
Travel insurers claim that they are not ageist Sometimes you have to feel sorry for the insurance trade body the ABI as they seek publicly to defend the indefensible. The insurance trade has been under attack, mostly from inside, that it is ageist on travel policies. So the ABI looked for a tame newspaper that would publish the truth without asking any nasty awkward questions like us journalists are supposed to do. If we don't ask...
Credit crunch insurance - ten tips for survival We are all tightening our belts, so it is a good time for our top ten credit crunch insurance tips.
How travel insurers are shooting themselves in the foot The insurance industry generally has a bad press. Insurers and trade bodies complain that it is all so unfair and that it is that nasty media not telling us all how wonderful and generous insurance companies are. So what do some travel insurers do when there is a serious risk of having to pay claims? You guessed it; they find ways of avoiding payment. The public tends to ridicule insurers...
More barmy ideas on income protection insurance When a business fails to make money or sell as much as it hoped of a product, everything from the economy to the weather gets the blame. Income protection insurers have failed to attract enough customers. But instead of blaming their product design or pricing policy, they have blamed insurance advisors, banks, the government, the media and even the consumer. So far, the only group not to get...
How to get the right travel health insurance and save money You need a break. You are ready for your holiday. Just one more thing to do, arrange the insurance. Travel insurance is necessary, and not something with which you should do without. Finding a policy which is not only cheap, but also offers the correct levels of protection for the activities on your vacation can be daunting and boring. Every policy seems full of small print and get-out clauses...
Health insurance for UK expatriates in France Honestly, if you have read some of the garbage in both consumer and trade media on the new health insurance rule in France, you could end up thinking that all UK expats are going to be driven home. Let's get rid of the three delusions first. If you are a UK expatriate in France, the changes will not have any real effect if you are one of these:WorkingAbove UK retirement ageBeen in France for five...

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