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Introduction to Health Insurance

What Is Health Insurance?

Health Insurance is probably one of the most important types of insurance you can own. Without it, an illness or accident can have serious long-term financial implications for you and your family.

Most people will be aware that Health Insurance can cover the cost of private medical treatment for any acute conditions you may suffer in the future - from something as simple as a broken bone to more serious conditions like a heart attack or cancer.

However, there are a number of other types of Health-related Insurance policies which are worthy of serious consideration:

These include:

  • Critical Illness
  • Income Protection

Some of these policy types cover the scenario where you are unfortunately unable to work because of illness or injury. Knowing that the regular household payments will be made and your financial commitments met during a difficult period in your life can offer peace of mind for the future.

The range of coverage varies depending on the type of plan, and as with any type of insurance, there are exclusions and limitations. To understand these, you would need to read your policy to find out what is covered and what is not.

Premiums are normally paid to the insurance company either monthly or annually.

THESE PLANS HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

PLANS MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. THE DEFINITIONS VARY BETWEEN PRODUCT PROVIDERS AND WILL BE DESCRIBED IN THE KEY FEATURES AND POLICY DOCUMENT IF YOU GO AHEAD WITH A PLAN.

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Other Areas Of Expertise

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      When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance...

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      When someone talks about savings and saving money, it could be referring to a piggy bank on the mantelpiece or a high interest deposit account. Savings are effectively cash or cash instruments...

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      All businesses are exposed to risks in their day-to-day operations. Without insurance cover to provide protection against some of these risks, businesses would find it difficult to operate efficiently and profitably.

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Client Testimonials

  • Thank you for coming to meet with my Mum and Dad, it was much appreciated. He told me that he was very happy with the content of the meeting and is very happy to go forward.

    Ms C Newman, Waltham Abbey

  • Thanks very much for your visit earlier in the week. We both feel very ‘comfortable’ that you are overseeing our investments. We both feel now that we are making ‘progress’ and you are certainly making us think about things that in the past we would not have given a lot of thought!

    Mr & Mrs Lawson, Ongar

  • I cannot speak too highly of the help we have personally received from IFA Home Counties.

    Mrs A Hanchard, Brentwood

  • To have the financial planning and asset management put in such clear terms was a refreshing change to some of my previous consultations.

    Mrs J Silverton, Old Harlow

  • Excellent service and real value for money. I have enjoyed peace of mind as a result of your advice. You have helped me in so many ways.

    Mr P Carter, West Tilbury

  • Thank you for helping to sort my mothers and my finances. I can sleep easier at night now I know you are at the end of a phone. Many thanks.

    Mrs H Parrish, Roydon

  • Thank you. You have given a clear understanding to our financial planning.

    Mr & Mrs G Cunningham, Epping

  • You have organised our financial chaos!

    Mr & Mrs P McDonald, Cheshunt

  • Laurence Gould of IFA Home Counties has been my financial adviser for about eight years now and I have been consistently impressed. His advice is always timely, accurate and straightforward, and he has been instrumental in helping me plan all of my major financial decisions. He have the highest integrity and I would recommend him to anyone.

    Mr D Andrews, Harlow

  • I really needed a review of my investments and pensions. The recommended adviser took their time to understand how I felt about risk and reshaped my portfolio accordingly. I am much less stressed about my finances now.

    Mr S Brooks, Sawbridgeworth

  • My investments had been performing very poorly for a long time. My previous adviser was not really interested in providing ongoing advice after my policies had been set-up. Laurence Gould of IFA Home Counties, is happy to look after my investments on an ongoing basis. At least I now know there is always someone keeping an eye on my investments.

    Mr S D Wilkinson, Hertford

Contact Our Brentwood Office

Contact Our Harlow Office

  • IFA Home Counties Ltd

    Lynfield

    Harlow Road

    Roydon

    Harlow

    Essex, CM19 5HH

  • Phone : 0333 011 5550

  • Email : info@ifahomecounties.co.uk

The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

IFA Home Counties Ltd is authorised and regulated by the Financial Conduct Authority. IFA Home Counties Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 488819.

Registered in England & Wales under reference 6689780. Registered Office: Rosemont 14 St Leonards Road, Nazeing, Essex, EN9 2HJ.

Complaints

If you wish to register a complaint, please contact us either in writing at: IFA Home Counties Ltd, Lynfield, Harlow Road, Roydon, Harlow, Essex, CM19 5HH or by phone on 0333 011 5550.

A summary of our internal complaints handling procedures is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.