Is There Any Cheap Health Insurance-

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Is There Any Cheap Health Insurance- Powered By Docstoc
					Presented by Daniel Toriola
Medical insurance is the most important insurance plan for your life and your family. Medical insurance provides security for costs you may require when you are sick. When your health is insured, your insurance company pays all the costs. Click here to know more

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Is There Any Cheap Health Insurance? By Gemma Stanbury

While Britain’s National Health Service is fairly unique compared to some other countries in that it offers free healthcare, more and more people have been turning to some form of private health insurance either to replace or to supplement the publicly provided services. And as the numbers have grown, different levels of cover have been developed so that there is a medical insurance plan to suit most pockets and this, of course, includes cheap health insurance. In the past, the major barrier to a greater take-up of private health provision lay in its relatively high cost. Because demand continued to grow apace, however, insurers have developed alternatives to traditionally quite expensive comprehensive private medical insurance plans, that sought to provide cover for the whole range of acute conditions, treatments, surgery and hospitalisation. The alternatives today, therefore, provide access to private health insurance for a much wider section of the population, from fully comprehensive cover to relatively cheap cover. The different levels of cover available now, therefore, include "mid range" schemes and budget plans that offer cheaper types of health insurance. Hospital cash plans are a form of medical insurance that takes care of everyday medical costs. Many will pay for dental or optical treatment up to a set limit every year; physiotherapy; specialist consultations etc. Many now also will cover the cost of so-called ‘alternative’ treatments such as acupuncture. These types of plans are often known as ‘budget’ plans. The range of schemes also includes forms of specialist insurance, which is limited to cancer and heart conditions, and is therefore cheaper than fully comprehensive cover. All forms of health insurance are designed to work alongside the NHS (which continues to handle all responses to accident and emergencies, for example) and this is also reflected in the ability of insurers to offer policies with generous no claims discounts. If the policy holder chooses to make no claim on the private health plan and instead opts to use the NHS, then a discount on the private health insurance premiums can be earned. Similar reasoning lies behind the option offered by many health insurers for policy holders to wait for a certain period (typically six weeks) to see if the treatment they need will be available within that time on
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Presented by Daniel Toriola
the NHS. Only if it is not, will the health insurance need to kick in with private treatment. Another way in which cheap health insurance can be provided is by the policy holder sharing some of the risks and costs of health care by opting to pay a reasonably high excess. If this is set at a rate of £1,000 or £2,000, for example, then the health insurance can be reserved for just the more serious and expensive procedures, surgery and medical care. That concept of the policy holder sharing in the responsibility for their own health is also reflected in the health insurance discounts available to those who opt to lead a healthier lifestyle. In summary, therefore, cheap health insurance has been developed to give almost every section of the population an opportunity to share in the benefits of private medical insurance. http://Confused.com (http://www.confused.com) is one of the UK’s biggest and most popular price comparison services. http://Confused.com helps consumers save money on everything from health insurance to Mortgages.

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Cheap Health Insurance rates and personal health insurance. By Mike Yeager

Cheap Health Insurance rates and personal health insurance. by: Mike Yeager If you've been out of school for a couple of years or perhaps just graduated from college, you're probably a candidate for cheap health insurance. Once a person reaches a certain age they're no longer covered by their parents health insurance plan. If you're just starting out it's important to find cheap health insurance coverage. If you've just graduated from school or just started work and you don't have coverage, don't be tempted to forgo this necessary expense because you never know when an accident can happen. Most people are looking for modest coverage but also want some essentials. Generally, when a person buys their own coverage, they tend to favor high deductibles to save money on the cost of premiums. Personal health insurance, Cheap Health Insurance and low cost health insurance rates. Even if you're on a tight, limited budget, it's very important that you pick up some kind of cheap health insurance. Even if you only have a plan that covers unexpected hospitalization, your peace of mind will be greatly enhanced. Keep in mind that a catastrophic health insurance policy can come with a high deductible before their coverage kicks in. They don't pick up the cost of preventive physician visits or emergency room visits to get a few stitches. Some questions to ask when considering cheap health insurance. 1) Can your and/or your family afford to pay ALL your medical expenses if you're sick or injured? 2) How much is the deductible? 3) Can you afford the deductible? With a little searching and comparison shopping you find the best rate for your personal cheap health insurance.

Mike Yeager Publisher http://www.a1-healthinsurance-4u.com/ mjy610@hotmail.com

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