Janine, 28, works as an estate agent in Reading. A single parent, she has a four-year-old daughter called Molly. Although Janine smokes, she is in good health. Molly is also a very healthy child, and is Janine's main priority. Janine is on a tight budget, but is willing to spend £100 a month on some private medical insurance cover. What options are available to her?
Hazel Gregory, Medical Insurance Services The good news for Janine is that she has over estimated her health insurance budget. There are several comprehensive policies below £100 that will provide her with full refund cover for inpatient, day patient, outpatient and additional fringe benefits. As both mother and daughter are in good health, I would suggest that Janine carries some of the risk herself as this will reduce her premium even further. The money she saves by doing this should be set aside for when she needs to call upon it some time in the future. Because of her financial c...
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