Andrea and Sam have a variety of options, but let us consider two quite different ones. Our comprehe...
Andrea and Sam have a variety of options, but let us consider two quite different ones. Our comprehensive Primecare plan, with a £250 excess, will cover the whole family at £90 a month and would be worth consider-ing. Alternatively, given their approach to budgeting and investing, Choices, our self-pay back-up plan, could be a useful option. Both policies are family friendly.
First, Primecare comes in under their budget, and the cost includes any number of children ' so any future children can also be added at no extra cost. On top of excellent customer care, the family can expect full-refund cover for consultants' fees and tests, as well as inpatient treatment, physiotherapy and alternative medicines. They will appreciate parental accommodation if a child under 14 has to stay in hospital. Helplines provide advice on emergency homecare, legal, domestic and family matters, and a GP advice line lets them speak to a qualified GP at any time if there is a health worry that cannot wait until they see their own doctor.
Second, Choices, our self-pay back-up plan. Once they have paid for private treatment costs up to a chosen excess level, Choices will step in to cover any further costs with no upper limit. By taking out Choices at £41.48 for a £1,000 excess, they can save the remainder of their budget towards any treatment costs under £1,000. A £2,500 excess would make their premiums £23.40 and a £5,000 excess reduces them to £14.46 a month, making even more available to grow a health fund. A treatment information service will provide information about where and when they can access treatment as well as the deals available in the hospital.
