Thomas and his young family are relocating to Dubai from London, following Thomas' appointment as head of the Middle East newsroom for one of Britain's national newspapers. His wife, Eleanor, has a four-year-old son called William from a previous relationship who suffers from cystic fibrosis. Eleanor is currently expecting their first child together and is three months pregnant. She has decided to quit work to become a full-time mother and ensure the success of their new life abroad. Thomas' salary is £50,000 and he plans to put aside £320 a month towards healthcare cover for his family. Thomas is in good health but Eleanor suffers from mild asthma. As yet scans have revealed that the unborn child is perfectly healthy. What cover would you recommend?
Susie Colley, West Country Health CareRegrettably there will be no cover available for William from any of the private medical insurance (PMI) providers as cystic fibrosis is classed as a chronic illness and the life span of the majority of sufferers is limited. Initial thoughts were given to suggest a critical illness policy for either Eleanor or Thomas. In the event of the unborn child being born with a critical illness, half the benefit of the parents' policies would be payable. However, in the event that the new baby is also affected with cystic fibrosis then a claim on the parent's pol...
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