With the imminent EU referendum in the UK and the uncertainty as to how the outcome will affect the NHS as we know it, Private Medical Insurance could be the answer for many people. When it comes to buying a Private Medical Insurance policy however, there are a myriad of providers, policies and underwriting options to choose from so how can you be sure that you have bought the right one?
Lianne Harrington, Director and Senior Healthcare Consultant at SMP Healthcare Ltd explains that the cost comparison websites may not be suitable for everyone.
“Cost comparison websites do provide people with the information they need in order to make a purchase however, we like to adopt the more personal approach and become almost a human “comparison site”. Many people still like to speak to a real person so they can ask questions and discuss their options especially when it comes to pre-existing medical conditions and possible policy exclusions”.
As with any type of insurance, the cost will vary depending on many factors and essentially no-one wants to pay for a benefit that they don’t need or are unlikely to use.
Harrington explains further how working with an independent, specialist Private Medical Insurance broker such as SMP Healthcare Ltd may actually provide the best solution for individuals and companies alike.
“By having a conversation with our clients we can establish what type of policy they need based on their budget and medical history. If people can afford to self-fund their Out-Patients treatment they can see dramatic savings in premium, the same goes for Psychiatric cover and the application of a voluntary excess. Importantly our staff are not paid on a commission basis and therefore are not swayed by the commission rates of any specific provider, this gives our clients a truly unbiased picture of the market. Our service does not end there and although we do not charge our clients any fees at all, we are still here to help at any point throughout the policy with claim issues, payment issues in fact, any problems that arise.”
So although a cost comparison site can offer you a guide to policies and premiums available, it does raise the question as to whether people still prefer to deal with people for important products such as Health Insurance where the choice of policy you make can make a real difference at the time you need it most.
If you would like help in renewing an existing or selecting a new private healthcare policy then their team of healthcare advisers will be more than happy to help you. You can complete their secure online quotation form at www.smphealthcare.com or contact them on firstname.lastname@example.org or by telephone on 01245 929129.
About SMP Healthcare
SMP Healthcare Ltd was formed in January 2014 with the sole intention of providing the public and business community alike with a way of obtaining Private Medical Insurance on an independent basis. With a sound knowledge of the market we have proved to our clients that the health insurance market does not have to be costly and confusing.
Media Contact: Lianne Harrington
Address: SMP Healthcare Ltd, 3A Tindal Square, Chelmsford, Essex, CM1 1EH, United Kingdom