| In the past, expert advice has always been to insure | | | | insurance that would pay out without him having to |
| your income. But in today's world of expensive income | | | | wait 6 or 12 months, he turned to Private Health |
| protection premiums and with waiting lists for NHS | | | | Insurance last year. Unfortunately after suffering a |
| treatment still haunting us, many more people may | | | | prolapsed disc in April, he was told simply to go home |
| begin to see access to instant private medical | | | | to rest by his GP and was not offered any specialist |
| treatment as a better way of getting back to work | | | | referral or diagnostic tests. He rang his private health |
| and have the money rolling in. | | | | insurance company and his claim was approved. He |
| With premiums high and deferred periods of up to a | | | | immediately saw a specialist who diagnosed the |
| year before a claim can be made on income | | | | problem, which in fact required immediate treatment. |
| protection plans, many more people may turn to | | | | After receiving the most appropriate treatment he said: |
| Private Medical Insurance for a quicker solution. | | | | "Thanks to my policy I hope to be back to work soon |
| Mark Martin, head of Internet based private health | | | | and earning money again. If you need your body in |
| insurance company, Health-on-Line, says of the | | | | good condition to be able to earn money you should |
| advantages of private health insurance: | | | | insure it, after all I need my van for business so I insure |
| "For many years now the self employed and manual | | | | it properly". |
| workers have found it very difficult if not impossible to | | | | Another interesting point is the stress factor. With no |
| find affordable income replacement policies. For | | | | money coming in and bills mounting this will undoubtedly |
| example the problem could be a bad back, which is | | | | lead to higher stress levels which in some cases can |
| notoriously difficult to get treated promptly on the NHS | | | | worsen the medical condition and cause tension in |
| ... Private Health Insurance gives you instant access to | | | | relationships, bad credit and so on. |
| treatment and therefore the best chance of getting | | | | Perhaps it's time to assess the risks and take action or |
| back to work and earning money again". | | | | you could be one of the unfortunate half a million |
| A recent report which explored private health | | | | people on NHS waiting lists for over a year with no |
| insurance highlighted the case of a Gloucester based | | | | money coming in. |
| builder. Unable to find affordable income replacement | | | | |