Anne is 56-years old and wants to buy an individual private medical insurance (PMI) plan. A non-smoker, Anne is in good health despite undergoing a hip replacement operation two years ago. She has not had any medical problems since and does not have any pre-existing medical conditions other than mild arthritis in her left wrist. She would like a fully comprehensive plan with no excess. What are her options?
Arnie Harmsworth, Preferred Medical For a comprehensive plan with no excess, Health-on-Line's Choices would be ideal for Anne's requirements. For £80.22 per month, Anne would gain comprehensive inpatient and outpatient care, and for £85.57 per month, she would also gain valuable cover for therapy care. This premium could be further reduced should Anne wish to submit her application online with her intermediary. Full underwriting would exclude Anne's hip and wrist. However, she could opt for moratorium underwriting. This means that while her arthritis would still be excluded, if she did...
To continue reading this article...
Join Professional Adviser for free
Signup and gain exclusive members-only insights
- Unlimited access to real-time news, industry insights and market intelligence
- Stay ahead of the curve with spotlights on emerging trends and technologies
- Receive breaking news stories straight to your inbox in the daily newsletters
- Make smart business decisions with the latest developments in regulation, investing retirement and protection
- Members-only access to the editor’s weekly Friday commentary
- Be the first to hear about our events and awards programmes
