Are you Self Employed? How to choose the best private medical insurance.

United Kingdom of Great Britain & N. Ireland -- Free-Press-Release.com-- Aug 9, 2010 -- How you can be sure to get the correct health insurance for you and your family.

Our health is important, and choosing the correct private health insurance policy is just as important. There are many questions that need answering such as:

• Will I get all the cover I need?
• Do I pay for cover I don’t need?
• Can my family and loved-ones be covered too?
• Do I choose where I receive treatment?
• Will I receive the best treatment?

With many different products on the market, and too much small print, many self-employed individuals may not be getting the private medical insurance they need at the best price.

Rod Bramston, Managing Director of Western Provident's Private Client Division thinks the process can be made far simpler:

“It isn’t rocket science – for example, as a specialist in self-employed medical insurance, we offer highly preferential rates up to the age of 65. Our figures confirm that customers who work for themselves can’t afford to be ill and therefore claim less. Our not for profit status gives us a real advantage over our competitors who should not be penalising such good risk customers.
What’s more, this discount extends to the self-employed’s partner or family members”.

So health insurance companies that take into account the good general health of the self-employed , such as WPA, are in a prime position to offer the most competitive rates.

What about your levels of cover?

The best products on the market generally offer flexibility as well affordability. The ability to simply design your own plan to suit your needs is crucial.

New products are appearing in the market as a response to this demand. WPA Health Insurance have developed a product called Flexible Health which allows customers to design both their benefits and premiums. Moreover, once a customer has chosen benefits they desire, they can choose from how they want to fund their private health insurance from a few simple options.

Are your family and loved ones covered?

Being self-employed is a responsibility that extends beyond just yourself. Many self employed individuals are concerned about how inclusive their private health insurance policy is, or how much more they need to spend to ensure suitable cover for their loved ones. You should always consider how you can get a good deal on premiums with your insurer. WPA - national insurers based in Somerset extend their discounts to the self-employed policyholder’s partner or family members. This extends the same level of flexibility and affordability to you and your family. They currently offer 25% first year discount* to new customers as a celebration of 25 years of unrivaled customer service putting customers first at all times.

Getting the right treatment where you choose?

Private medical insurance should provide a safety net for your treatment, but it shouldn’t encroach into choosing your treatment or place of treatment, which is always a worry with commercial aspects. The best insurers give their policyholders a choice of place and method of treatment.

WPA , one of the UK’s leading health insurers, introduced a strategy to put control of how their customers get better back in their hands. This includes:

• Cleanliness, comfort and the added dignity of private facilities
• Cover for Advanced therapeutics especially cancer – not available on the NHS
• Avoid any potential ‘postcode lotteries’ for care
• Choose the time, the specialist and the hospital
• Avoid NHS waiting lists and get back to work more quickly
• Continuous cover available when overseas on business or on holiday.


So, if you are self-employed, there a few key points that you should look for when choosing health insurance. Flexibility with the level of cover, flexibility of excesses and what benefits and discounts are available to you and your family.

Just a few minutes of your time will ensure you get the right cover at the right cost.

Terms & Conditions apply for more information visit www.wpa.org.uk/discount. Offer ends 31 October 2010

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WPA (Western Provident Association)
Tim Roberts
01823 625000
http://www.wpa.org.uk