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    • Introduction to General Insurance
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  • Introduction to Health Insurance

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.

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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Company address: HSPC Mortgage Services, 30 Queensgate, Inverness, IV1 1DJ T: 01463 231173 E: nfell@hspcmortgages.co.uk

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

HSPC Mortgage Services is an appointed representative of TenetLime Ltd, which is authorised and regulated by the Financial Conduct Authority. TenetLime Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 311266.

Principal: Norman Fell 

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