Private Medical Insurance gives peace of mind when needed most, knowing that not only will medical bills be taken care of, but access will be available to the very latest treatments, facilities and leading specialists in all medical conditions, including cancer. The Post Code Lottery does not apply to Private Medical Insurance.
Although NHS waiting times have been slightly reduced in the past few years, with a private medical insurance policy waiting times for consultations and treatment are minimal. This can reduce stress on your employee and their family and allows for a much quicker return to normal life .
Private medical insurance can appear complicated and it is essential that the right policy is chosen to suit your needs. At Healthy Horizons we specialise in health insurance and will thoroughly research the market to ensure that the right cover at the best available price is found. Quotes for health insurance are free and you are under no obligation to purchase.
Company Cash Plans are only available to companies with 5 employees or more and must be provided for all company employees.
For assistance in finding the right level of cover to suit your needs, please contact us for a free quote.
There are various plans available to help manage the costs of looking after your staff's dental needs, typically providing cover for routine dental care and emergency treatment. Dental insurance, however, is not a pay-all policy, rather it is used as an aid to help ease the burden of dental costs.
For assistance in finding the right level of cover to suit your needs, please contact us for a free quote.
Whether looking to provide a financial safety net for your employee's families - or simply wanting to provide additional cover to what already exists – contact us and we will assist you in choosing the right type of cover to suit your needs.
Things to consider when taking out life insurance include:
Please note that there is no ‘cash in value’ at any time. If the premiums cease to be paid for, prior to the term end, or the policy holder survives to the end of the plan term of cover, then no money will be returned.
For assistance in finding the right level of cover to suit your needs, please contact us for a free quote.
Many of us are now living longer and because of our ever increasing life expectancy it is more and more likely that many of us will suffer from, and survive, a critical illness at some point in our lives.
Typical examples of a “critical illness” are:
Upon diagnosis of any critical illness outlined in the chosen policy, your employee will receive a lump payment which can be used to pay any ongoing financial commitments such as a mortgage, loans etc or can be used for any specialist medical treatment / care which may be required. It can also be used to make any necessary modifications to your home, such as a stair lift etc. should they be needed.
For assistance in finding the right level of cover to suit your needs, please contact us for a free quote.
Income protection insurance covers your employee if they can't work because of illness or injury. It’s a kind of salary protection insurance to make sure they get a regular income until they retire or go back to work.
Income protection cover is different from critical illness cover. Critical illness cover pays out a lump sum if you develop a life-threatening illness.
For assistance in finding the right level of cover to suit your needs, please contact us for a free quote.
The loss of a key person in your business could have a severe impact. The business could suffer badly, with sales and profits falling and increased workloads for the remaining staff.
Key Person Protection is designed to pay out a lump sum on the death of the insured key person, during the length of the policy. The lump sum could significantly help the business to recover as the proceeds can be used to help replace lost profit or with finding and hiring a replacement.
Key Person Protection (also known as key man insurance or key person insurance) is a business insuring itself against the financial loss it would suffer if a key person in their business died or were diagnosed with a specified critical illness if chosen, during the length of the policy. It also pays out if the key person is terminally ill and meets the policy definition, except in the last 12 months of the policy.
Key Person Protection is a life assurance or life assurance and critical illness cover policy taken out to cover the life of a key person within your business. The policy is owned and paid for by the employer, so any pay out is payable to the employer.
For assistance in finding the right level of cover to suit your needs, please contact us for a free quote.
We'll help you find the right international private medical insurance, based on your needs and budget, giving you access to private healthcare anywhere in the world.
International medical insurance is different to a travel insurance policy. Travel insurance is designed for holidaymakers to cover cancellations, personal belongings and emergency medical treatment, whereas international medical insurance is designed to cover inpatient treatment check-ups and continuing treatment of chronic conditions abroad.
For assistance in finding the right level of cover to suit your needs, please contact us for a free quote.