The BUPA Heartbeat personal health plan would provide a tailored and flexible approach to meeting th...
The BUPA Heartbeat personal health plan would provide a tailored and flexible approach to meeting the medical insurance needs of the Parker family.
Given that Mr Parker's father died from heart disease at a young age, any family predisposition to heart disease may be a concern to them.
Heartbeat Health Care Select Heart & Cancer option would provide specific cover for these conditions. Taken together with the Health Check additional cover option, which includes blood pressure tests and a cardiovascular risk assessment, Mr Parker's cover is £34.73 a month.
Although Mrs Parker currently has pre-existing medical conditions for kidney stones, Heartbeat would be able to cover these conditions. But as her general state of health is good, Heartbeat Health Care Select 3 would be an appropriate option as long as she was willing to self-fund consultations prior to inpatient or day-case treatment.
Furthermore, Mrs Parker would value the reassurance should she have more children in future and require a caesarean delivery for clinical reasons, then, subject to pre-authorisation, this would be covered. The cost of this cover for Mrs Parker is £38.64 a month.
For Molly, Heartbeat Health Care Select 2 would be a comprehensive solution, covering all consultations in full. This higher level of cover would provide valuable peace of mind for £13.19 a month.
Taken together, their different Heartbeat options can be packaged together on one registration with a single monthly payment of £86.56.
Finally, Mrs Parker may wish to consider Lifestyle and Income Protection. As a homemaker, she could receive a tax-free income of £833 a month if illness or injury prevented her from carrying out three or more activities of daily living such as child-minding, housework and shopping. If benefits were deferred for a six-month period, this would cost £22.72 a month.
