The Benefits of Health Insurance for Specific Conditions

Posted: May 03, 2009 | Comments: 0 | Views: 8 | Bookmark and Share
Comprehensive private medical insurance plans can be expensive and if you are one of those people who find it unaffordable, you may be interested in other ways to protect yourself should the unexpected happen. For instance, did you know that some health insurance providers offer lower cost plans that just cover specified conditions?

Cancer, heart disease and stroke are common conditions covered in specific condition insurance plans. These plans could be very helpful if you consider that more than one in three people will develop some form of cancer during their lifetime, that in the UK more than one in three deaths are from cardiovascular disease (CVD) each year and that over 130,000 people have a stroke in England and Wales each year.

Some health insurers have chosen to offer a private medical insurance plan that provides protection specifically for these three conditions. And based on the statistics presented above, you can see why this plan can provide you with peace of mind as you will be covered for the UK's three biggest killers even if you cannot afford a full private medical insurance plan.

So if you ever needed to call upon the plan, you can be confident that you would have cover for early diagnosis and treatment in private hospital facilities for these conditions. Often plans will also include access to a helpline that you can access for information or counselling.

Health insurers may also offer plans that cover cancer and heart disease only, but in light of new cancer drugs such as Avastin and the fact that sometimes these drugs are not readily available on the NHS, some insurers are also offering cancer-only health insurance plans. There are a variety of cancer plan options in the market depending on your needs.

Some health insurance plans provide cash lump sum payments if you are diagnosed with cancer. These plans generally allow you to spend the money as you wish ? perhaps towards the cost of childcare or even for someone to clean your house while you are in hospital. There are often other benefits included such as monthly income payments up to a certain number of months and hospital cash payments up to a certain amount of nights. Sometimes these plans can be gender specific, targeting only certain types of cancer (e.g. ovarian, breast, etc. for women). Although receiving a cash payment might help during this time, you may find that it does not go very far ? especially if you wanted to use the money towards the cost of cancer drugs.

Other cancer plans offer cover for treatment only and are aimed at bridging the NHS gaps. For example, offering cover for certain licensed drugs and their administration. Treatment only plans have their benefits, but their usefulness may depend on where you live. If you live in an area where cancer drugs are available to all and cancer waiting times are being met, they may not be as relevant to you.

Alternatively, if you wanted even greater protection and peace of mind against the cost of dealing with cancer, some health insurers are offering cancer plans that provide comprehensive private cover.

Because the cover for health insurance plans for specific conditions is limited to the condition or conditions specified, premiums tend to be much lower than that of a traditional full private medical insurance plan. So if you are keen to have health cover of some sort but have not considered purchasing full private medical insurance because it is too expensive or it doesn't entirely suit your needs, a specific condition health plan ? whether it covers the UK's three biggest killers or cancer only ? might be just what the doctor ordered.

(ArticlesBase SC #897665)

Rate this Article
  • 1
  • 2
  • 3
  • 4
  • 5
  • 0 vote(s)
    Feedback
    RSS
    Print
    Email
    Re-Publish

    Source:  http://www.articlesbase.com/alternative-medicine-articles/the-benefits-of-health-insurance-for-specific-conditions-897665.html

    Article Tags:

    axa ppp healthcare

    ,

    read full article

    How to Get a Health Insurance Plan without an Insurance Broker

    Learn how to get a health insurance plan without an insurance broker in this video with Bob Hurley from eHealth Insurance. (02:04)

    How to Use Health Insurance Health Savings Accounts

    Learn how to use health insurance health savings accounts in this video with Bob Hurley from eHealth Insurance. (01:50)

    How to Buy Health Insurance with Health Savings Accounts

    Learn how to buy health insurance with health savings accounts in this video with Bob Hurley from eHealth Insurance. (00:38)

    How to Understand Health Insurance Jargon

    Learn how to understand health insurance jargon in this video with Bob Hurley from eHealth Insurance. (03:19)

    How to Determine Health Insurance Premiums

    Learn how to determine health insurance premiums in this video with Bob Hurley from eHealth Insurance. (02:46)

    Advice on getting the most out of swimming from AXA PPP Nutrition and Fitness experts.

    By: Gen Wright l Sports and Fitness > Aerobics l Jun 10, 2009 l Views: 268

    If you're looking for Medical Insurance you must read this article. It's important to appreciate what will and won't be insured. Do your homework now and understand the pitfalls - it will help you choose the right policy.

    By: Michael Challiner l Finance l Jan 09, 2006 l Views: 783

    Some 7 million individuals in the UK are treated by health insurance insurance, the majority making treated through their employers. The problem is that few hold in effect studied their policy documents and many misunderstand what is treated. And perhaps clearly as important, how isn't. If you expect health insurance insurance policy to pay all your well being costs, you're mistaken.

    By: one way links free traffic l Finance > Insurance l Sep 06, 2009 l Views: 5

    Panic attacks can actually cause someone to become obsessive compulsive, constantly worrying and checking on the things around them to try and avoid a panic attack…but what they might not understand is this is leading to worse attacks.

    By: Micah Elizabeth l Health > Alternative Medicine l Feb 09, 2010

    Colon cleanse is an excellent way to remove toxins and congestion from your body. Natural colon cleanse and homemade colon cleanse are one of the better ways to reduce the risks of having a poor colon and avoid harboring serious diseases. If you affordable products is what you want, Super Colon Cleanse is one of the best available in the market.

    By: althea wallace-walsh l Health > Alternative Medicine l Feb 09, 2010

    Acai Berry is an excellent source of antioxidants. It contains high levels of anthocyanins that have been found to possess anti-inflammatory benefits, nervous system benefits and cardiovascular benefits. Acai berry is used to detoxify the body as well, which is known to be a wonderful way to live a healthier lifestyle. You may take them regularly as supplements to achieve long-term benefits.

    By: althea wallace-walsh l Health > Alternative Medicine l Feb 09, 2010 l Views: 1

    A sunny day can put a smile on almost anyone’s face, but unfortunately your skin is paying the price. As our environment deteriorates, the rays of the sun are more damaging than ever, and while there are many risks associated with over exposure, a primary concern for most is premature aging.

    By: Animesh Pal l Health > Alternative Medicine l Feb 09, 2010 l Views: 2
    Nick Mutt

    One of the best natural remedy for itching is to keep your skin clean, healthy and moisturized. Read this article to find more home remedies and natural treatments for itching.

    By: Nick Mutt l Health > Alternative Medicine l Feb 09, 2010 l Views: 1
    Nick Mutt

    Boils home remedies are very effective in getting relief from this skin condition naturally. Read this article to find simple and effective home remedies and natural treatments for boils relief.

    By: Nick Mutt l Health > Alternative Medicine l Feb 09, 2010 l Views: 2
    Nick Mutt

    Wound home remedies are widely used to prevent infection and to get relief from pain and discomfort. Read this article to find simple and effective home remedies and natural treatments for wounds.

    By: Nick Mutt l Health > Alternative Medicine l Feb 09, 2010 l Views: 2
    Nick Mutt

    You can easily treat minor burns using natural remedies. Read this article to find simple and effective home remedies and natural treatments for minor burns.

    By: Nick Mutt l Health > Alternative Medicine l Feb 09, 2010

    Improving memory is not something that is done by magic. If you don't use it, you will truly lose it. That's why it's a good thing there are professional cognitive development services such as those offered by Happy Neuron to help you take charge of your mental health.

    By: Gen Wright l Self Improvement > Self Help l Feb 09, 2010

    Our review of Hair the musical is a comprehensive take on this hit Broadway show. Read our review before you purchase your Hair tickets.

    By: Gen Wright l Business l Feb 09, 2010

    It would sure be nice to know which home improvements would pay off when it came time to sell your house, especially in a down economy. Here are some of the best projects you can undertake that will recoup the majority of your cost.

    By: Gen Wright l Home Improvement l Feb 09, 2010

    Before you know it, the warm weather will be back and the time for lounging outside will be here. But it can be quite an uncomfortable ride if you don't choose the right kind of patio furniture for your comfort and convenience.

    By: Gen Wright l Home Improvement l Feb 09, 2010

    Whether your practice experienced success in 2009 or not, it's important to evaluate your current marketing strategies in order to deliver new patients to your practice in 2010. New and ever-growing marketing trends, including blogging, social networking and local search combined with search engine optimization and pay-per-click advertising can give your practice the boost it needs to launch your practice forward into the new year.

    By: Gen Wright l Health l Feb 09, 2010 l Views: 2

    Composting isn't just an obscure gardening method. It's also a great way to save money. Find out how.

    By: Gen Wright l Home and Family l Feb 09, 2010 l Views: 2

    Silica is an essential nutrient for the body and must be supplied continuously. The best source of Silica comes from Quartz Crystal.

    By: Gen Wright l Health l Feb 09, 2010 l Views: 2

    When your daily dietary supplements include Resveratrol and Silica you may experience a great decline in chances of having heart related problems.

    By: Gen Wright l Health l Feb 09, 2010 l Views: 1

    Add new Comment

     
    * Required fields
    Author Box
    Articles Categories
    All Categories
    1