Catherine is 24 years old and has just relocated to Coventry to live with her boyfriend, Sam, 26. They are both non-smokers and go to the gym several times a week. While leading a healthy lifestyle Catherine was born with a heart defect, which meant her heart was originally the wrong way round. This means she has to go for regular check-ups. While this has not been a problem for her so far, in case her condition deteriorates, they are now looking to take out PMI. Sam has a history of cancer in his family as his mother had breast cancer. Money is not a massive issue but they would like to take out affordable cover. What advice would you give them?
Phil Taylor, Preferred MedicalCatherine and Sam are a young couple and, therefore, it is the perfect time for them to obtain private medical insurance (PMI). They sound as though they lead a healthy lifestyle, which stands them in good stead. Catherine will need to take into account the parameters of coverage she requires for her heart defect. If she is happy to have treatment for this and other related conditions on the NHS, then they could look at any PMI provider and join on a standard moratorium basis. The history of cancer in Sam's family will not be an underwriting factor unless he ...
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