Recognising their limited budget, the family should take out no higher scale of cover than necessary...
Recognising their limited budget, the family should take out no higher scale of cover than necessary. With BCWA, they would have adequate access to Bristol's private hospitals under scale D cover. The Parker's should also consider an excess option to keep costs down. An excess of £100 would give an 8% saving and £200 would save 15%.
BCWA's Vital product does not pay for outpatient benefits and the Preferential product is a fully comprehensive scheme. Both plans have excess options.
For Caroline and Molly the full Preferential product would be suitable as young children make regular use of outpatient services for many minor ailments. As he is self-employed, Jason cannot afford to be troubled by health problems that may affect his daily perform-ance while on an NHS waiting list. It is important he has some cover for outpatient treatment, so we would recommend Preferential cover.
BCWA's schemes for individuals and families are age-related with premiums increasing by five-year age bands. Family contributions are payable based on the age of the eldest applicant and would cost the Parker's £135.48 a month for scale D Preferential family cover. If Jason's cover was individually rated and Caroline and Molly were rated as single parent and dependant child, they could make a small saving, paying £134.11 a month for the same cover.
Caroline will have underwriting applied to her condition for kidney stones and any associated conditions. Although there is a family history of heart disease, there will be no underwriting against this condition for Jason as he has had no symptoms to date.
