Sahara, 29, and her fiance Robert, 33, live in Bristol. Sahara works as a nurse and Robert is managing director of a small IFA firm. Their combined salary is £64,000. They are both in good health and regularly attend a gym. Sahara and Robert drink moderately and do not smoke. They are looking to buy private medical insurance that would cover them both should they fall ill and need care. What recommendations can you make?
Susie Colley, West Country Healthcare There are several policies available for the young and health conscious. However, careful consideration has to be given to all aspects of the proposed policy. What may appear to be affordable now may not be as affordable when they near retirement so gimmicks offered by insurance companies must be clearly analysed for the clients. One provider offers discounted rates for attending a gym regularly and for downloading healthy recipes from the provider website - but what would the premiums be if they were not able to do this? For example, Robert and Sahar...
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