Private Medical Insurance
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Private Medical Insurance
Medical insurance has a very long and interesting history; it was originally created in 1694 by Hugh Chamberlen who came from a well-known family of doctors, his descendants were French and he and his brother Peter Chamberlen fled Paris in 1576 to start a new life in Britain. His brother Peter went on to become the obstetrician and surgeon for Queen Anne and he got the ball rolling on what would grow into a large sector of the personal insurance industry.
In the late 19th century medical insurance became quite popular and was known as ‘accident insurance’. In the US, from the year 1850 ‘accident insurance’ was offered by the Franklin Health Assurance Company to those who might suffer steamboat or railroad injuries. The industry grew enormously, was consolidated and is thriving to this day, although it is still more popular with those in risky occupations.
Dental Insurance
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What is Dental Insurance?
In the US Dental Insurance is designed to pay any costs incurred from the policy holder having dental work done. In the UK this is the same, but things are slightly more complicated thanks to our National Health Service, NHS, system. The idea behind dental insurance is a monetary one, it’s intended to protect people from financial hardship should they need any major work done on their teeth.
The most recent information on dental insurance which was gathered in 2006 by the National Association of Dental Plans shows that 57% of the United States population have their own dental insurance policies.
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Bicycle Insurance
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Bicycle Insurance
Bicycle Insurance isn’t as common in the UK as it is in some other countries and most price comparison websites haven’t really started comparing bicycle insurance deals so finding a good deal for your bicycle can be something of a challenge.
Some home insurance policies cover bicycles but most offer cover as an optional extra. One important thing to watch is whether your insurance policy covers your bicycle away from the home. As strange as this may sound, home insurance cover is fundamentally for items in the home. Any items being taken away from the home must be specified and may incur an additional premium.
Why is Bicycle Insurance Required?
With some bicycles costing up to £1000 or more it is perfectly understandable that some people want to insure them. Following the recent increase in terrorist attacks on public transport, the number of cyclists in the UK has increased by 40 percent and because of the higher number of cyclists there are a higher number of cycle thieves. Many people who don’t take out insurance policies on their bicycles regret it when savvy thieves steal their bike.
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Travel Insurance
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What is Travel Insurance?
Travel Insurance is a form of insurance which is intended to cover any medical costs incurred when travelling either in the policy holder’s native country or abroad. Often it’s easy to take out a travel insurance policy which spans the period of your trip at the time when you make your booking, but this can be more expensive than taking out an independent policy elsewhere.
It’s also worth noting that the insurance policies offered by travel companies often include fewer benefits and cover fewer eventualities than travel insurance plans offered by companies which specialise in insurance.
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Winter Sports Insurance
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Winter Sports Insurance
Winter Sports Insurance isn’t a legal requirement of those going skiing but it probably should be. Over a hundred people die in skiing accidents every year and many more are injured so making sure you’ve got an appropriate level of cover before you hit the slopes is a must.
Skiing and snowboarding (or simply boarding to you ‘dudes’ reading this) holidays are a yearly event for many and are amongst the most common holiday choices in the UK. The thrill of hurtling down the side of a mountain on skis or a board is wonderful but it also presents a serious risk and not just to your body. Your wallet could take a beating too. Did you know that a broken leg in Switzerland could cost up to £25,000? Or that a similar break in the US could cost £70,000 with the cost of getting you home factored in too?
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