Optimum Financial

 

Financial Advice & Insurance Cover from Optimum Financial

Jason Noakes | Managing Director

Email: quote@optimumfinancialuk.com

Health Insurance

Here at Optimum Financial we don’t see you as another number, we see you as an important individual, as you are.

We aim to build long term relationships with our clients, so we regard professionalism and integrity as fundamentals in order for us to achieve this.

We currently offer two different types of Health Insurance:

  • Private Medical Insurance (PMI)
  • Permanent Health Insurance (PHI)

PMI - With NHS hospital queues still growing, private medical insurance is an appealing, though often expensive purchase, although what you pay for is what you get.

PMI premiums are worked out on the basis of age and the type of medical cover thst is required and there is a wide range of different private medical insurances to choose from.

At the basic level PMI kicks in when you need specialist treatment or if you need to go into hospital. Some health insurance policies cover you when the NHS cannot provide treatment within a certain period of time.

At the luxury end of the market there are policies that cover a wide range of medical services such as dentistry, eye care and even spectacles, although the more a health insurance policy covers, the higher the premium will be.

PMI is complicated for those approaching it for the first time. In order to make sure that the health insurance policy you choose is the right one to meet your needs it is worth speaking to a specialist insurance adviser who has specialist knowledge in medical policies and can guide you through the maze of different offerings on the market.

PHI - Permanent Health Insurance provides cover in the event that the insured is unable to work, and therefore unable to earn, due to illness or injury.

The premium cost will depend on the extent of the illnesses covered, the age of the policyholder and period of time that elapses between when the insured becomes ill and the deferred period.

There is considerable choice between different PHI covers offered by different insurers. The key is to choose a balance between the cover that you require versus the cost of the insurance premium. A financial adviser with knowledge of the permanent health market can help you select the appropriate PHI insurance policy for you. If you are fortunate enough never to have to make a claim under your policy you may have some regrets at a later date. However many people have been very grateful indeed that, among all the other worries they had when they became unable to work, they knew they did not have to think about how they were going to meet domestic bills and keep a roof over their head until they recovered.

Our insurance advisers are available from 8am to 8pm at a time and location of your convenience and will provide bespoke, impartial advice without any obligation.

medical-563427_1280
sickness cover tab pic (1)

Ready to find out more? Book an appointment today!

Optimum Financial offer a vast selection of finance & insurance products we are sure to have the cover that's right for you and your family...

Please find a link to all of the insurance products and financial protection that we can provide:

First-time buyers with 5% deposits now in negative equity due to plummeting house prices

By Mike | August 18, 2019

First-time buyers with 5% deposits now in negative equity due to plummeting house prices https://www.thesun.co.uk/money/9746400/first-time-buyers-negative-equity-house-prices-deposit/ — Read on www.thesun.co.uk/money/9746400/first-time-buyers-negative-equity-house-prices-deposit/

Insurance Adviser Recruitment Swansea

By Mike | August 12, 2019

After a successful recruitment drive with new recruits currently on our in-house training course, we now only have 2 spaces remaining for competent financial / Insurance advisers in England & Wales… to be considered for these last available insurance or financial advisory roles, please contact us directly. We are looking for an Insurance Advisor in Swansea so if that’s you, please get in touch as we would love to hear from you…

Interesting Article about Insurance as an Employee Benefit: The majority do not offer personal insurance benefits

By Mike | August 11, 2019

Most organisations do not provide personal insurance benefits, and few plan to begin, according to research by Employee Benefits.  — Read on www.employeebenefits.co.uk/exclusive-majority-personal-insurance/ If you are interested in discussing various insurance policies as employee benefits please get in touch via our contact page.

Interesting Express Article on Life Insurance UK: Why a new job could mean you need to pay MORE for your cover | Personal Finance | Finance | Express.co.uk

By Mike | August 11, 2019

LIFE insurance policies may be taken out for a whole host of reasons. It may be that some people are required to pay more for their cover, and this could come down to their profession. — Read on www.express.co.uk/finance/personalfinance/1162716/life-insurance-uk-claim-policy-news-latest

Interesting Article on Disability Insurance – What is short-term disability insurance? Cost and details, explained – Business Insider

By Mike | August 11, 2019

Many employers offer short-term disability insurance at little or no cost to employees, but the benefits don’t last long and may be taxed as income. — Read on www.businessinsider.com/what-is-short-term-disability-insurance-explained

Insurance Adviser Recruitment Cardiff

By Mike | August 11, 2019

After a successful recruitment drive with new recruits currently on our in-house training course, we now only have 2 spaces remaining for competent financial / Insurance advisers in England & Wales… to be considered for these last available insurance or financial advisory roles, please contact us directly. We are looking for an Insurance Advisor in Cardiff so if that’s you, please get in touch as we would love to hear from you…

Looking For Expert Insurance Advice and Insurance Cover In South Wales?

By Mike | August 11, 2019

If you are looking for expert Insurance advice and Insurance Cover in South Wales then you have come to the right place. Here at Optimum Financial we have a team of expert Insurance Advisers and Financial Advisers that can provide you sound advice on Life Insurance, Sports Injury Insurance, Accident Insurance, Critical Illness Insurance, Mortgage Protection Insurance, Income Protection Insurance, Business Protection Insurance, Sickness Insurance, Whole of Life Insurance, Self Employment Insurance and Over 50’s Insurance. Our Insurance Advisers cover from Carmarthen to Chepstow in Wales and everything in between as well as the South West of England including Bristol, Swindon, Gloucester, Avon, Wiltshire, Gloucestershire and Somerset etc. Please feel free to book an appointment with a specialist insurance advisor today!

Know anyone looking for Life Cover or other Insurance? Check out the Referral scheme from Optimum Financial – Financial Advisers in Wales

By Mike | August 4, 2019

Referrals | Optimum Financial – Financial Advisers in Wales — Read on optimumfinancialuk.com/referrals/

Be like Will and protect your own and your families finances…

By Mike | July 28, 2019

“I first met Jason at Mosley RFC he then came to my house and gave me a bespoke insurance package well within my affordability to cover my mortgage with a life and critical illness policy, a sports and injury cover should I become injured at work, playing rugby or even day to day life. Jason also covered my wages to ensure my bills are covered from the first day of sickness, should I become sick or injured… highly recommend optimum financial…” Will Evans, self employed rugby player   If you are interested in discussing your insurance requirements please feel free to contact us.

What is Health Insurance or Private Medical Cover and what does it cover?

By Mike | July 28, 2019

Please find some frequently asked questions about health insurance also known as Private Medical Insurance: What is health insurance? Private Medical Insurance (PMI) in the UK provides access to high-quality private medical facilities and medical treatments, at a time and place of your convenience. Health Insurance also plays an equally important role in helping fund the cost of early diagnosis and treatment of acute conditions. This could be anything from a few sessions of physiotherapy, to more complex procedures such as major heart surgery or biological therapy for the treatment of cancer. What conditions does health insurance cover? Private medical insurance is designed to cover the cost of private medical treatment for acute conditions. An acute condition is a disease, illness or injury that is likely to respond quickly to treatment and return someone to the state of health they were in before, or lead to a full recovery. It doesn’t usually cover treatment of long-term (chronic) conditions, where the main aim is to keep the symptoms under control – these are still treated within the NHS. Private medical insurance also won’t cover any pre-existing conditions that you may have when taking out a plan. Here at Optimum Financial we provide helpful advice about health insurance and many other types of insurance cover. If you would like to chat about health insurance or any other type of insurance cover for you and your family or staff please feel free to contact us:

We've got a lot of great information to share...

Sign up for our newsletter and receive information about the various products and covers that we provide.