Life, Critical Illness & Private Medical

No amount of insurance cover can make up for the loss of a family member but it can at least remove the worry of any financial commitments.

Life Insurance will pay out a lump sum to your loved ones, should you pass away or become terminally ill and have a life expectancy of less than 12 months, during the policy period. There are various types of Life Insurance cover. Each has its own benefits. Understanding the different policies available to you, will enable an informed decision to be made before selecting the most suitable Life Insurance policy. It’s important to consider what it is you want to help your family with.

Term Life Insurance is the most popular and straightforward Life Insurance choice. You can choose between Level Term and Decreasing Term.

Level Term Life Insurance offers cover for a fixed number of years. It will provide a fixed pay-out if you pass away during the policy term. This can be used for any number of things, from paying off the mortgage to covering childcare fees.

Decreasing Term Life Insurance is more suited if you want to cover just the mortgage. This works well for a repayment mortgage. The pay-out amount decreases over the length of the policy, usually in line with the amount left on your mortgage.

Mortgage Life Insurance could provide a pay-out if you were to pass away within the contract term. It is an effective policy to have if your partner or other dependents could not afford the mortgage without your income.

Critical Illness cover or Income Protection both offer different solutions should you be diagnosed with a condition covered by the insurer or be unable to work due to accident or sickness.

You may want to consider Life Insurance cover if you have a partner, children or other family members that rely on your income. A Life Insurance pay-out could provide for your dependents as they grow up. If you own a home, Life Insurance can help your partner or family to cover the mortgage repayments.

If you pass away during the contract term, your Life Insurance policy can pay out money to your family, usually in the form of a lump sum or instalments. The amount of money paid out will depend on the level of cover you choose when applying for the policy. With most Life Insurance covers, you will have control over the policy and can decide the length of the cover, the amount and who will receive the pay-out.

Deciding on the type of Life Insurance you need can depend on your circumstances. Consider what it is you want to protect. Will your children need help paying off the mortgage, or do you want to make sure they don’t have to find thousands of pounds to cover funeral arrangements?

Whatever your thoughts, there are a number of different types of Life Insurance available:

Level Term Life Insurance is the most straight forward. It provides a lump sum pay-out if you pass away during the length of the policy. You can decide on the amount of cover and how long the policy lasts, so think carefully about any financial commitments that might need to be covered.

Family Income Benefit is similar in that it will pay out if you pass away during the policy, but the pay-out comes in monthly instalments to provide a steady income. This could be helpful as it’s more manageable than a lump sum.

Income Protection can provide financial support if you become unable to work due to illness or injury. It could help you to continue paying your bills if you were unable to work for a prolonged amount of time. This type of policy usually covers between 50-70% of your salary.

Critical Illness cover can ensure financial help is available while you recover or undergo treatment for more serious conditions. A lump sum could help to pay for household bills or additional childcare. It’s important to note that the illness must meet the policy definition. Critical Illness cover can also sometimes include your children, providing additional protection if your kids were to be diagnosed with a certain condition.

There are a number of tips to make sure Life Insurance is affordable:

• The younger you are, the cheaper it can be. This is because you are likely to be considered a lower risk to the insurer and your premiums will likely be cheaper than if you took out a policy when you’re older.
• Adopt a healthy lifestyle. The healthier you are, the cheaper your cover might be. Follow a healthy diet, quit smoking and manage any health conditions; it’ll be reflected in your premiums.
• Don’t over insure yourself. Make sure you look at the right policy to suit your needs, and review your policy regularly to make sure you have the right cover.
• Guaranteed premiums. Look for policies that offer guaranteed premiums, instead of reviewable. Although guaranteed premiums may be more expensive at the outset, reviewable premiums are likely to increase while guaranteed will always stay the same.
• Use a broker. An insurance broker can provide helpful advice and compare the leading providers to find the right policy that suits your circumstances.

Level Term is one of the simplest types of Life Insurance cover. It can provide your family with financial protection if you pass away within the contract term, and works on a fixed basis. Level Term Insurance means that it does not matter at what point during the contract you pass away; the pay-out will still be the same. For these reasons, Level Term Insurance cover is one of the most popular policies when it comes to Life Insurance. It is essential to understand your policy and how much cover you need since Level Term Life Insurance policies do not change their pay-out amount over time.

Level Term Life Insurance will offer financial support for a fixed period, which you can decide on, along with the amount that will be paid out. They are straightforward policies to understand; if you pass away within the term, your family can receive the pay-out that you decided on when you took out your cover. Insurance cover of this kind usually has lower premiums, because if you were to pass away after the contract ends, there would not be a pay-out.

Choosing Level Term Life Insurance can give you peace of mind that your family will be financially protected during a fixed term. Level Term Life Insurance can cover the family’s living expenses or replace lost income. If the policy pays out, Level Term Life Insurance can help with household bills or even paying for the funeral costs. It may also help to pay for current or future school fees for your children, as well as extra money to help your loved ones in everyday life.

Generally, the younger you are when you buy Level Term Life Insurance cover, the cheaper your premium will be. The monthly cost of Life Insurance is likely to rise if you take it out later in life. This is where Over-50s Life Insurance cover can help. The cost of Level Term Life Insurance will often depend on the cover you want to take out. Consider your income, debts and expenses to get an idea of how much your family would need if you passed away; this will, in part, determine your monthly payments.

Mortgage Life Insurance could provide a pay-out if you were to pass away within the contract term. It is an effective policy to have if your partner or other dependents could not afford the mortgage without your income.

When you buy your home, your mortgage lender may offer to sell you Life Insurance cover. However, it is essential to remember that you may not be under an obligation to buy it from them. It may be worth considering the different policy types available to you and looking to compare quotes with a broker before making a final decision on Mortgage Life Insurance.

If you already have Level Term Life Insurance, you might still need Mortgage Life Insurance as well. Advisors at our recommended service provider are on hand to help you if you are not sure which cover is right for you?

Mortgage Life Insurance cover will decrease over time, in line with your repayment mortgage. As you continue repaying your mortgage, the amount of cover will reduce. It is for this reason that the cover is also known as Decreasing Term Life Insurance.

The duration of your Mortgage Life Insurance will usually align with the mortgage term. If you have a 25-year mortgage, the policy will last for at least this amount of time. Should you pass away during that term, the insurance policy will pay off your mortgage with a lump sum.

Both types of cover are designed to pay out a cash sum, should you pass away during the length of your policy. They can be used to help your loved ones and provide financial support during a challenging time.

The difference between Mortgage Protection and Life Insurance is that they are designed with different purposes in mind. For instance, you may want Life Insurance cover to help your family with financial matters such as everyday living expenses or funeral costs. On the other hand, you might want to take out Life Insurance specifically to cover the cost of your mortgage, because your partner would struggle to meet the amount without your income.

It is very dependent on your circumstances and how you want to help your loved ones. If you have a repayment mortgage, you should consider taking out Mortgage Life Insurance. It is not suitable for an interest-only mortgage.

At Plan our recommended service provider can help create a tailored policy that meets your individual needs. They offer specialist support and guidance to help you understand how the different policies work.

Mortgage Life Insurance is the perfect type of cover if you want to help your loved ones pay off a repayment mortgage. If you know that your partner will struggle to make the repayments, Mortgage Life Insurance is the best solution to help relieve that financial burden. It is the most cost-effective way to protect your mortgage, giving you peace of mind that your family can still afford to live in the home they love.

Mortgage Life Insurance is the one of the cheapest types of Life Insurance you can buy because the amount of cover you need reduces over the years. It is important to remember that Mortgage Life Insurance covers the amount left on your repayment mortgage. You can choose the amount of cover you need and how long you will need it for. Our expert service provider can search from a wide range of insurance providers for you, making sure you have the right policy at the right price.

The Life Insurance cover you need can depend hugely on your circumstances. Both Life Insurance and Mortgage Protection cover can help your family pay off the mortgage. However, Mortgage Protection is designed solely to cover the cost of your repayment mortgage. If you would like to protect your family further by ensuring there is money to pay the bills and cover everyday expenses, you might also benefit from taking out a Life Insurance policy. You may choose to supplement your Mortgage Protection with Level Term Life Insurance, which can mean the mortgage payments are taken care of, as well as extra financial support.

Whole of Life Insurance is a policy that will provide a pay-out to your loved ones, no matter when you pass away. It does what it says on the tin, and will last for the duration of your life as long as you continue the payments. The policy will pay a lump sum in the event of your passing.

It can be a desirable choice for many, as it will guarantee a pay-out no matter what age you are. Whole of Life Insurance differs from Term Life Insurance, which only runs for a fixed period of time.

Whole of Life Insurance will last as long as you do, while level term insurance will only last for the set period that you decided on when you take out the cover. Whole of Life Insurance can be a valuable benefit to your loved ones, because it guarantees a pay-out.

Whole of Life Insurance cover can provide stability. On the other hand, if you pass away after your Term Life Insurance contract, there will not be a pay-out. Whole of Life Insurance cover is generally more expensive than other policies, which is why many people choose Level Term Life Insurance.

The policy you need depends on your circumstances and how you want to look after your family from a financial standpoint. If you need help deciding on the right policy, our recommended service provider can offer expert advice.

A Whole of Life Insurance policy will cover you indefinitely, with no limited term. While it is a more expensive type of cover, it can be priceless in helping your loved ones after you have gone.

It is important that if you want to do this, the policy is written in trust. Our recommended service provider will help to ease the underwriting process and ensure you have a full understanding of the policy you have taken out.

Whole of Life Insurance cover is generally more expensive than other types of cover. It is important that you ensure you are able to pay the premiums, even when you have retired.

The cost of your policy can depend on a number of factors including your age, health and other lifestyle factors. The higher risk you are deemed to be, the higher your premium will be.

A Whole of Life Insurance policy is suitable for anyone who is determined to leave financial support for things like funeral costs and everyday living costs. It can be valuable in providing financial support for your dependents and partner.

Critical Illness cover is a type of Insurance that will pay out a tax-free lump sum if you are diagnosed with a Critical Illness or have to undergo surgery. It is important to note that the illness or surgery type has to meet a policy definition.

Critical Illness Insurance can help to support you and your family financially while you deal with your diagnosis, treatment and recovery, without having to worry about how to pay the bills. It can help you to pay for medical treatment or the household bills, depending on your needs.

Critical Illness Insurance will cover a number of different predetermined conditions, which will be set out in your policy. It is important to note that not all conditions are covered, and the policy will likely also state how serious the condition must be in order to be eligible for a pay-out.

Critical Illness Insurance can cover a number of conditions, such as stroke, heart attack, certain stages of cancer and multiple sclerosis. What is covered and what is not will be set out in the policy, so it is important to read this to ensure  the policy covers your needs.

Critical Illness cover can help to replace your income, should you suddenly suffer from a condition the policy covers. However, everyone’s circumstances are different and some may benefit from Critical Illness cover more than others.

You could consider Critical Illness cover if you do not have enough savings or spare money to see you through the period of not working due to a critical illness. Likewise, if you do not have an employee benefits package to cover you for a long time off work, Critical Illness cover could help to lighten the financial burden.

If your partner would struggle to cover living costs or to pay the mortgage without your income in the event of you falling critically ill, Critical Illness cover can be a huge help.

It is important to check if you already have some form of financial protection in place, to avoid paying twice for the same type of cover.

Life Insurance and Critical Illness cover are not the same thing. Life insurance will generally only pay out if you die during the term of your policy or you are diagnosed with a terminal illness and have a life expectancy of 12 months or less, while Critical Illness cover will pay out if you are diagnosed with a named condition on the policy.

You are sometimes able to buy Critical Illness cover alongside Life Insurance, but it is important to note that there is normally just one pay-out.

Both Critical Illness cover and income protection insurance are good ideas if you need financial help, should you fall ill and cannot work. However, they are not the same thing. The two types of cover differ by how you benefit from the pay-out.

Critical Illness cover pays out in one lump sum when you claim on the policy, providing you meet a definition set by your insurer. On the other hand, income protection insurance will pay out in monthly instalments usually until you return to work. What’s more, the amount you receive from income protection insurance is linked to your salary, and will protect you against day-to-day illnesses and health reasons that leave you unable to work. It is important to note that there may be a period of time you have to wait before a claim can be paid from income protection. This is commonly known as a deferred period.

If you are not sure which cover is best for your needs, our recommended service provider can offer expert guidance and advice on the different types of cover.

Critical Illness Insurance can cover a multitude of illnesses and conditions but not all of them. Often there is a list included in the policy and it is important to familiarise yourself with this and make sure the cover is right for you.

Different providers may cover different illnesses. It is also important to note that sometimes only certain stages of illnesses are covered too. Generally, Critical Illness Insurance will cover illnesses such as some types of cancer, strokes, heart attacks and major organ transplant but you must check with your provider if you are not sure.

Note that Critical Illness and terminal illness are different. If you become terminally ill and are given 12 months or less to live, your standard Life Insurance policy may pay out.

You can take out standalone Critical Illness cover but it is often bought with Life Insurance. However, Critical Illness cover on its own may be more affordable. It is your choice whether you want to take out Critical Illness cover on its own, or as part of your Life Insurance cover.

Our recommended service provider can offer expert advice on the best insurance cover to suit your needs and help save you time and money while providing a tailored policy.

Income Protection Insurance may also be known as permanent health insurance and is designed to provide financial support if you were to fall ill and not be able to work. Taking out Income Protection cover can help towards payment of bills and living expenses should something unfortunate happen to affect your income.

If yourself or your partner were to fall ill and had to take a prolonged period off work, how would you cope financially? Could you still continue to pay the bills and cover living expenses with just one income? Perhaps you do not have a partner and you are worried you will be in financial trouble, should you fall ill?

It is important to consider Income Protection Insurance, sometimes called permanent health insurance, as a way to cover yourself if you need to take time off work to recover from injury or illness. Income Protection can provide an income for your household if you are unable to work. Income Protection Insurance usually covers a percentage of your income; and generally ranges from 50%-70% of your annual income, depending on the provider.

You can choose from different types of Income Protection Insurance cover, including long-term and budget. Long-term Income Protection will ensure that you receive a regular income if you become ill or unable to work and will pay a percentage of your gross salary until the end of your policy or you return to work. Budget Income Protection will usually only pay out for one or two years per claim.

There are both short-term and long-term types of Income Protection Insurance, meaning you are able to choose the right policy that meets your needs. Income Protection will usually pay out until your return to work or the end of your policy term, while short-term Income Protection will likely pay out for 1-2 years per claim.

When Income Protection Insurance pays out, the lump sum can be used for whatever you wish to spend it on and will provide a regular income for you and your family. You are able to claim as many times as is necessary while the policy is still active.

Income Protection Insurance will cover most illnesses that mean you cannot work but it is always important to check your policy summary. If you cannot get by on your sick pay from work, Income Protection Insurance can help you cover bills and living costs while you are ill.

Payments from Income Protection cover are made free from income tax. It is important to note that there may be a period of time you have to wait before a claim can be paid from income protection. This is commonly known as a deferred period.

Income Protection Insurance is beneficial if you do not have additional savings to support yourself, should you have to take time off work through accident or illness. It may also benefit you if you have a family to support who would struggle without your income.

If illness or accident would affect your ability to pay your bills, you should consider taking out Income Protection Insurance cover. It is important to note that Income Protection Insurance is not the same as critical illness cover.

If you would like additional advice or guidance on whether Income Protection Insurance is worth it for you, our recommended service provider can offer extensive industry knowledge and specialist support to help you understand how the different policies work.

Income Protection Insurance can cover a broader definition of illness than critical illness cover. In some cases, you may have to be signed off by your GP as unfit to work.

Some Income Protection Insurance may not cover pre-existing medical conditions. Your medical history and lifestyle along with your family’s medical history can be an important factor when choosing the right policy, so it is important to take the time to understand the different Income Protection policies available to you.

What is more, they will ease the underwriting process for you in order to compare a wide range of insurers, with your best interests in mind.

You are able to claim multiple times on your Income Protection cover, but there is no cash-in value at any point. There is usually a delay between claiming and receiving payments; the longer this delay, the lower your monthly premiums are likely to be. Many people choose to delay payments until their sick pay from work has ended.

If you think you need to claim on your Income Protection cover, you can contact your insurer who will talk you through the next steps of your claim. You will likely need to provide them with your details, including your policy number and your reason for claiming.

You will likely need to complete a claim form and supply evidence of why you are off work, such as a medical report, as well as proof of income. If your claim is accepted, you will be paid an income and your provider may stay in touch to check on your recovery.

Family Income Benefit is a particular type of Life Insurance policy that will help to provide a regular income over a set period of time. Family Income Benefit Insurance can offer a cost-effective way to provide financial support for your family for a set amount of time.

By taking out Family Income Benefit cover, you can provide a simple, regular income that can be easily managed by your family. It can help your family to make the money last for a longer period than if it were a lump sum, providing a much easier way to handle the budgets and keep on top of paying bills.

If you have dependents such as children or a partner who would struggle without your income on a monthly basis, Family Income Benefit can help to cover the cost of living and help them to live as normally as possible.

Having Family Income Benefit Protection in place will provide you with peace of mind in knowing that should you pass away, your family can receive manageable amounts of income each month so that they do not struggle financially.

You are able to decide on the amount your loved ones will receive each month, and how long the protection should last. You will pay a monthly premium, in order to secure that level of cover. It is important that you consider how much income your family might need in order to be financially stable.

If you were to pass away or become terminally ill with a life expectancy of 12 months or less during the term, the cover can pay your loved ones an income for the remainder of the policy term. For instance, if you have a 20-year policy and you pass away 10 years into it, the policy will pay out for the remaining 10 years. It can serve as a protection for the financial impact of a death in the family.

However, it is worth remembering that Family Income Benefit Insurance is similar to Decreasing Term Life Insurance. This is because the total your family will receive will decrease as the years go by.

If you do pass away, Family Income Benefit Insurance will pay a regular, fixed, tax-free income for your family. It is important to note that if you pass away after the policy has expired, there will be no pay-out.

Family Income Benefit cover is particularly beneficial for young families that may include children. Some may want to consider a policy term that will last until their children are able to financially support themselves. In some cases, a Family Income Benefit may payout a lump sum payment. It is important to check this with your chosen insurer.

Family Income Benefit is generally seen as a cost-effective type of Life Insurance. However, the cost of your premiums will depend on a number of different factors. For instance, the older you are, the higher your premiums may be.

Your health can also play a part in determining your policy details. If you have pre-existing medical conditions, or you smoke and drink in excess, this can lead to increased premium payments.

The cost of Family Income Benefit Insurance can, in part, depend on how long you want the policy term to last. If you want a longer term, your premiums may be higher. Furthermore, the higher the income you want the policy to provide, the more you will likely pay each month for the policy.

You may be able to take out a Family Income Benefit plan that may provide the option of Critical Illness cover. This can provide a lump sum for your family if you are suddenly diagnosed with a condition covered by the insurer.

Family Income Benefit Insurance will pay out if you pass away or are given a life expectancy of 12 months or less to live, during the policy term. If another eventuality was to happen, such as a critical illness or accident, you might benefit from having Family Income Benefit with Critical Illness cover.

If you are not sure which policy type is right for you, our recommended service provider can provide you with the right guidance and advice. They will do the hard work for you by comparing policies with your best interests in mind, and can ensure you have a full understanding of your policy.

Over 50s Life Insurance can  usually be taken out between the ages of 50 and 80. It is a desirable form of Life Insurance for people aged over 50 because it guarantees acceptance, where other policies may not accept you or will charge you a large monthly premium. By applying for over 50s cover, you will automatically qualify regardless of your health or lifestyle.

Over 50s insurance is a form of life assurance; this means a pay-out is assured as long as you continue to pay your premiums. You will pay a fixed, monthly premium that has been decided based on the amount of cover you want, your age and smoker status. When you pass away, your family can receive a lump sum pay-out.

Some over 50s Life Insurance policies will require you to pay the premium until you pass away. In this respect, it is similar to some Whole of Life Insurance policies.  Alternatively some over 50’s policies may stop collecting premiums when you reach age 90 but keep the cover in place.

Some over 50s policies will have a qualification period once you buy. It is usually between one and two years, and you usually need to live past this period in order to secure the full pay-out. If you were to pass away during the qualification period, the pay-out would be calculated using the amount you had paid into the policy.

If you have a troubled medical history, over 50s cover will still accept you, and could mean that your partner, children or grandchildren receive a pay-out to soften any financial blow.

To find the right over 50s insurance cover for your needs, contact our recommended service provider who will offer guidance and advice.

Over 50s Life Insurance can provide your loved ones with financial support, should the worst happen. If you have a troubled medical history, over 50s cover will still accept you, and could mean that your partner, children or grandchildren receive a pay-out to soften the financial blow.

Standard Life Insurance cover can be harder to come by if you are over 50, which is why these alternative options are offered. Over 50s policies can create a guarantee for you and your family. If you have had a family later in life, and you have financially dependent children to consider, Over 50s Life Insurance could be an ideal way to support them after you have gone.

Some over 50s policies will have a qualification period once you buy. It is usually between one and two years, and you usually need to live past this period in order to secure the full pay-out. If you were to pass away during the qualification period, the pay-out would be calculated using the amount you had paid into the policy.

How much cover you can take out on an Over 50s Life Insurance policy can depend on the premium you want to pay each month, and how much financial help you want to leave your family. The bigger the pay-out for your family, the higher your premiums will be.

However, it is important to note that the older you are when you take out Over 50s Life Insurance, the less pay-out will be.

Your Over 50s Life Insurance cover can be used for funeral costs, paying off debts or to leave as a gift for your loved ones. It is worth considering what you want the cover for, as this could help you decide how much to take out.

There are a number of different Over 50s Life Insurance policies to choose from, and deciding on the right one for you can be confusing. Level term and whole of Life Insurance cover have their benefits, but if you are over 50 then you might not be accepted, depending on your health and lifestyle.

If you are looking for Life Insurance and you are over 50, then over 50s cover may be best suited to your needs. It guarantees acceptance and will pay out a lump sum to your loved ones when you pass away, leaving them with financial support when they need it most.

Some over 50s policies will have a qualification period once you buy. It is usually between one and two years, and you usually need to live past this period in order to secure the full pay-out. If you were to pass away during the qualification period, the pay-out would be calculated using the amount you had paid into the policy.

Please note that the descriptions above do not constitute financial advice and may change dependent on individual circumstances and budgetary requirements. For quick and easy quotes, please use the contact options on this page and our recommended service provider’s friendly and knowledgeable advisors will be able to help.

When you, or a member of your family, becomes ill you want to take immediate action to get treatment. The NHS has an excellent accident and emergency service but it is common knowledge that it is stretched on more routine treatments. Approximately 8 million people are covered by private healthcare in the United Kingdom. It is becoming an increasingly popular choice and with current strains on the NHS increasing, there is a demand for this more than ever.

Long waits for treatment are painful at the best of times but can also, more importantly, cause the injury to get worse. You are not the only one suffering as it affects the people closest to you as well.

Below are the main reasons why you should consider Private Medical Insurance:

• Speed of treatment – you will no longer have to wait months for a specialist appointment and even longer for a bed or treatment. In most cases you are referred to see a consultant within days.
• Peace of mind – should illness strike, you have the peace of mind that you and your family can receive access to high quality care and advice.
• Convenience – you, the client, can plan your consultation or operation for a time of your convenience.
• Choice – you have a choice of specialists and hospitals.
• Private hospital room – in most situations you will have the privacy of your own room complete with television and other home comforts with no visiting restrictions.
• Excellent and clean facilities – you will have the peace of mind that the hospitals are quality checked and have exceptionally low records of hospital acquired infections.

Our recommended service provider will find the right policy to suit you from an extensive panel of leading providers.

If you purchase Private Medical Insurance it provides peace of mind in the knowledge that medical treatment can be obtained promptly. Private Medical Insurance provides cover for medical expenses incurred when someone is diagnosed with an acute illness or injury.

Depending on your policy benefits cover can include:

• Operations
• Consultations
• Diagnostic tests
• Therapies
• Oncology treatment
• Biological therapies
• MRI/CT scans
• Post op treatment

Whether it is a top level of cover or just the essentials such as rapid diagnosis that you require – by discussing your preferences with our recommended service provider you will receive expert advice to find a policy that suits your requirements and your budget.

For J.Osborne Healthcare to provide quotations for you/you and family they simply need the below information:

• Names of all to be covered
• Address
• Dates of birth of all to be covered
• Summary of medical history – any past medical conditions, any ongoing medical conditions, any ongoing medication etc.
• Email address
• Contact details

J Osborne Healthcare is a specialist intermediary. Their services will be free to you as they receive commission directly from your insurer.

Like Plan they are a family business and have a great deal of experience in their specialist field, Private Healthcare. The key benefits of allowing them to review your cover include:

• Cover Audit – they will check your scheme set-up to ensure that your benefits are appropriate to you (i.e. correct hospital lists, additional benefits)
• Cost Effectiveness – they will check that your scheme is still set-up in the most cost effective way for your family
• Negotiate – they will check your subscriptions are correct for the level of benefits you are on – and where possible aim to negotiate a discount on your behalf
• Market review – they will complete a market review with the main insurers in the market to ensure you have the right product for the right price.
• Helping Hand – they will be available throughout to help with any claims queries/Pre-authorisations you may have or just to provide additional support during potentially difficult times.

After contacting our recommended service partner, if you would like them to review your existing policy, they will provide a brief authorisation form for you to complete which allows them to obtain copies of your current policy details from your insurer.

Please be reassured by signing the letter of authority, you are only allowing J Osborne Healthcare to speak to your insurer at this point about your scheme in order to benchmark your existing cover.

They will look forward to presenting you with some positive options and feedback after completing the review.