Halliday Health: Health & Medical Information

Different health insurance companies have slightly different ways in which they deal with claims so it is important to find out ahead of time how your company deals with claims. A lot will depend on the type of health cover policy that you have: whether its a moratorium or fully underwritten policy. The most important [...]

If you have a complaint related to your health insurance then you do have redress, initially with the medical insurance company and if you are not satisfied, with the Financial Ombudsman Service (FOS). 1) Your first port of call is your health insurance provider. They will have a complaints procedure which you will have to [...]

The statistics show that the NHS is improving its targets all the time so what are the advantages of having medical health insurance? Get seen quicklyHospital waiting lists are down to 18 weeks but this is still too long. If you have private health insurance you can be seen very quickly. This is reassuring and [...]

After a decline in cases of swine flu over the summer months health professionals are preparing for a possible increase and severity of the virus over the autumn and winter months. Bupa UK Health Insurance assistant medical director Dr Rebecca Small spoke to Health Insurance and Protection Magazine about what Bupa are doing about about [...]

Many employers offer private health insurance as part of your remuneration package. Is it better to take up this offer or to have your own individual health insurance? Most people in the UK who have health insurance have it through their employer and overall if you can get health cover through work it is usually [...]

No claims discount enables people who do not make claims on their health insurance to pay smaller premiums. For each year that you do not make a claim you are rewarded by lower premiums. It is a controversial area and many private health insurance companies are opposed to it on ethical grounds. The argument is [...]

When you make a health insurance claim the ‘excess’ refers to the amount you have to pay upfront yourself before the insurance company will pay out. Paying more or less excess will affect the amount you pay for your monthly health insurance premium and paying extra is one way in which people can keep down [...]

The private health sector and the NHS have been sitting along side each other ever since the inception of the NHS in 1945. Some are not keen that people should be able to pay for private treatment if they can afford it but others are keen to move the NHS towards privatisation. Most people lie [...]

Health insurance companies are like bookies. They have to work out the odds of people becoming unwell in order to charge them appropriate premiums. This is known as underwriting. There are two ways that medical insurance companies assess you in order to provide you with health cover. Moratorium underwriting or full medical underwriting. Each has [...]

Rewarding customers for healthy behaviour is a fairly new idea in the health insurance world but one that is very attractive to customers. It offers a win-win combination – you pay less in premiums and help yourself stay in better health. PruHealth: VitalityPruHealth was the first health insurance company to introduce the idea of rewards [...]