Peter, 35, and his four-year-old daughter Beth are about to relocate from London to Aberdeen after Peter was offered a job as an oil and gas technician. His new salary is £85,000. Peter is in good health; however, Beth suffers from asthma, for which she has been hospitalised on numerous occasions. Peter is looking to buy private medical insurance that would cover both him and his daughter and preferably her condition too. What recommendations can you make?
PHIL TAYLOR, PREFERRED MEDICAL Beth has asthma, a chronic condition that is not typically covered by private medical insurance (PMI). In some cases an acute episode, such as an attack, would be covered, but in an emergency Beth would be taken to an NHS accident and emergency (A&E) department. Peter is moving to an ideal location for such a service: the new Royal Aberdeen Children's Hospital offers a dedicated paediatric A&E unit, which specialises in respiratory medicine. Peter does not want an excess or shared responsibility on the policy. Assuming the requirement is for a comprehensive...
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