SMP Healthcare Ltd are a specialist Health Insurance Intermediary and although they are based in Chelmsford, Essex they do work with clients situated all over the UK. They are dedicated to ensuring that their clients get the best value insurance policies without paying extortionate premiums unnecessarily.
Lianne Harrington CERT CII, Director and Senior Healthcare Consultant at SMP Healthcare thinks it is essential that their clients and the public as a whole know what is available to them and how they can save money on their Private Medical Insurance.
“Private Medical Insurance premiums are based on many factors and for individual clients this includes your age, your postcode, the type of underwriting you choose and your claims history before even considering your level of benefits. For group schemes it is the age profile of the group, the number of lives covered, the postcode and the underwriting type, again this is before the benefit levels are chosen”
There is no magic wand that anyone can wave to ensure cheap premiums for Private Medical Insurance however as an experienced broker, Mrs Harrington confirms that by being aware of what is available in the market, the staff at SMP Healthcare Ltd can help people to reduce the premiums they pay.
“As Private Medical Insurance is a complex product it is important that people know what discounts and reductions are available to them. As a good example, AVIVA provide a comprehensive hospital list called Signature which is specifically aimed at people and businesses in Scotland and Northern Ireland. By choosing to take cover with this hospital list people can save 25% on their premiums as an Individual, 30% as an SME Business and 20% on a 100 – 249 member corporate company policy from the standard Key AVIVA hospital list. For corporate schemes of 250 members or more the pricing is more specific however, the Signature hospital list would certainly have an impact if traditionally you have had access to hospitals throughout the UK.
When our clients are living and working in Scotland and Northern Ireland it is unlikely they would look to have their treatment in London or the South East and therefore why pay more than they have to”
If you live in Scotland or Northern Ireland or have a business situated in these area’s and would like to know what you can do to reduce your premiums or are looking to take out a new policy on an individual or company basis then the staff at SMP Healthcare will be happy to help you. You can contact them via their online quotation form at www.smphealthcare.com or contact them on firstname.lastname@example.org or by telephone on 01245 929129.