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Archive for April, 2009

Budget Health Insurance Tips UK

Wednesday, April 29th, 2009

There are ways to cut costs and still get quality cover and quality medical care, though. Here are a few suggestions for getting quality health insurance for you and your family on a budget.

Downgrade from comprehensive cover

If you’ve been paying for comprehensive PMI, you may reduce your costs by downgrading to a budget plan. There are a number of budget plan types available. One of the most common methods of reducing costs on PMI is to exclude cover for some types of treatments. Those treatments may include tests, complementary health care and psychiatric care. Exclusions are one way to cut costs t if you end up needing tests, scans or physical therapy, or any other type of treatment not covered, you could wind up paying far more out of your pocket than you would have paid for the extra cover.
Agree to a higher excess

Another popular way to lower premiums is to opt for a higher excess. You can lower your premiums by well over 50% if you choose to accept a high excess. If you do choose to take on a higher excess payment, be sure to check how the excess is charged. A per claim excess can wind up being far more expensive than a full cover excess.

Share the responsibility

A third way to cut the cost of your premiums is to share the cost of your medical expenses with your insurance provider. Rather than paying a fixed excess cost, you agree to pay a percentage of your treatment cost up to a predetermined cap.

Pay for your own treatment

A new class of payment type for private health care costs is to pay for your own expenses without insurance. There are private hospitals that offer fixed rate operations to allow you to shop around and budget for an operation rather than wait for your turn on the NHS.

Private treatment at NHS facilities

If you opt to pay your own medical expenses, one option to look into is using private facilities at NHS hospitals. The cost may be cheaper than the same treatment at a private hospital.

Employer based PMI

Check to find out if your employer offers PMI as a company benefit. Group rates for private health insurance are considerably cheaper than individual, so even if your employer requires you to make a contribution, it’s likely to save you a good amount of money on your health insurance policy.

Depending on the policy and the company, you may also be able to get cover for your spouse and children. In some of the larger companies, you may even be able to get cover if you have a pre-existing condition.

Shop around for the best deal

Comparison shopping will always get you the best deal, so do shop around and compare premiums. Ask for quotes from several insurance companies but be sure to know before hand what type and level of cover you want so you can compare like with like.

How To Choose A Care Home

Friday, April 24th, 2009

Home care is a type of health care that is provided in the home for the patients. The purpose of home care is to allow a patient to receive special care at home instead of being admitted to an institution such as a hospital. Therefore, when you’d like to choose a care home for yourself or your loved ones, you should think carefully to select a suitable care home and take care your loved ones better.

Moving yourself or a relative into a Care Home can have a great emotional effect, so make sure you plan ahead to make the transition as smooth as possible.

Care Homes can be very expensive. As well as 24 hour care, room, meals, activities and some personal care are provided. Most UK homes will charge a basic fee for accommodation, meals and personal care but extras such as specialist medical care will be charged additionally.

When choosing a Care Home, we recommend choosing four or five that fit your personal requirements, and then having a good look round each one as this will give you a good basis for comparison. It may be that none of the first five are suitable, but at least you will have formed a checklist in your head of things you like and things you don’t.

To find out more about each home during your visits speak to current residents as they will give you an honest opinion on what to expect day to day. Also try to speak to members of staff from different departments and don’t be afraid to ask questions, no matter how intrusive they may seem. Find out whether there is a choice of rooms and ask to see an example of each type. Look at the menu in each home to find out what types of meals you can expect, and if possible find out about recreational activities and on site facilities such as Sky TV, swimming pools (not very common), gardens etc. Even details such as the Care Home furniture and decor should be considered. Sit in the chairs and lie on the beds to test for comfort.

One of the most important factors to consider when choosing a Care home is location, not just in terms of proximity to family members but also with regard to shops, parks, gardens and other areas of interest within the vicinity. A Care Home located within the countryside can be wonderful for the peace, tranquility and beautiful views it offers but may leave residents feeling isolated after a while. On the other hand a Home located within a city may not be peaceful enough, and may leave residents feeling unsafe. Most Care Homes are located within good sized gardens and in close proximity to shops, cafes and other entertainment venues which ensures that residents have plentiful options should they wish to venture out and maintain their sense of independence.

Choosing a well care home will help your family very much to take care your family member who can’t care for themselves with daily work such as dressing, shopping, cooking, or assistance with taking medication. And you can feel secure entirely.