Andrew, 35 and Fiona, 29, live in Yorkshire. They have twin girls, Victoria and Jessica, who are four years old. Andrew is a self-employed accountant and Fiona works as a private tutor. They have a combined income of £68,000 a year. Andrew's father died from heart disease, but he leads a healthy lifestyle. Fiona is an insulin-dependent diabetic, but is in very good health. Both the twins are healthy. What are their private medical insurance options?
Jan Lawson, The Private Health Partnership For Andrew, Fiona and family, there are 57 products from 18 different insurers that are potentially suitable, with premiums ranging from £16.76 to £440.22 per month. Fiona's diabetes would not prevent her from taking out private medical insurance (PMI), but we would be careful to explain that, as this is an ongoing pre-existing condition, insurers would not only exclude treatment for diabetes, but also for any medical condition directly resulting from it. This includes glaucoma and many circulatory disorders. Therefore, the scope of her cover w...
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