PLANNING for getting ill may sound silly, but it makes a lot of sense. It’s something that most of us fear but we will be extremely lucky to avoid needing medical treatment at some time.
With that in mind, spending a few pounds now on medical insurance can prove to be a great investment in yourself.Let’s face it, it can take a long while to recover from an illness or injury, especially if you have to rely on NHS appointments and lengthening waiting lists.
Policyholders have to pay a yearly renewable policy and the premium is based on your location, age and medical history. With average premiums of around £1,000 per year, PMI is often considered a luxury purchase and only for those with high incomes, especially as the NHS is free to use. It can be crucial for self–employed people and business owners as an illness or injury can mean being forced to take costly absences from their business while waiting for necessary NHS treatment.
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