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It is very important to get a home insurance as it is probably one of the most expensive things you own. The insurance gives you the peace of mind that you are financially protected in the event that something happens to your house.

There range of home insurance is very wide and can cover different eventualities and risks. You have to find an insurance which suits you best and your living situation.

In principle there are two types of cover: the Building Insurance and the Contents Insurance.

Usually a building insurance covers any physical damage to your home caused by events like fire, smoke, weather, natural disasters or flooding. If you want to, you can expand the insurance protection to your garden, swimming-pool, fences or other outbuildings.

The Contents insurance covers everything inside your home like furniture, clothing, electrical equipment in the event of theft, breakage, damage from pets or vandalism. If you have some very expensive furniture, art or jewellery you should check the cover of the insurance especially for these assts.

Though home insurances can be very expensive you can keep the premiums down by installing quality locks on windows and doors, fitting alarm systems and putting outside lighting in place.

Before you decide for one insurance company, make sure you have read the terms and conditions and have compared different companies with each other. Use the help of online comparison websites to help find the home insurance which suits you best.

For those of you that have a pet you will understand how cats and dogs alike have become part of the family. Therefore many pet owners want to give their pets their own health insurance coverage. Pet insurance can care can vary in cost depending on the coverage plan that the owner chooses. Also dog’s health insurance can cost more or less than cat insurance depending on the breeds and so on. Basic pet insurance can run at a cover of just a few pounds a month. However if you opt for the highest level of insurance you can find you are paying £100 a month.

The most basic form of pet insurance covers emergency situations such as accidents, including car accidents or dog attacks, also it covers accidental poison ingestion, foreign objection ingestion, X-rays and surgeries necessary for any of the conditions mentioned earlier. On top of this if offers additional medical treatment is often also included for any of the above-mentioned conditions. Basic pet insurance is the most affordable and most common coverage. However there are some who want to protect their pet with premium pet insurance which covers things like chemotherapy and cancer support, arthritis in cats and dogs, preventive care including annual exams, annual vaccinations and dental cleaning. Some companies will also cover disease that certain breeds are inclined to, such as hip dysplasia. For many, low cost pet insurance that offer the basic accident coverage is a necessity.

Insurance is an important part of most people’s lives and nearly everyone in the UK will have at least one insurance policy. Insurance is a way of managing risk. Essentially, when you purchase insurance you transfer the risk to an insurer and in exchange you pay an amount or ‘premium’ for the contract between you and the insurer which is known as a ‘policy.’ The insurance contract is a legal document that details the coverage, conditions and limitations of your policy.

People buy insurance in order to protect themselves against any unforeseen losses, usually financial. Some of the reasons people take out insurance is to cover the risk of something happening to their homes, car, personal belongings and even their health. Peace of mind and financial security are the most important advantages of insurance. Without insurance you could be financially crippled struggling to pay for major repairs to your home or car, or paying for emergency medical assistance while you are on holiday. Unfortunately, life is full of surprises and certain uncertainties mean we need to make sure that should the unexpected happen we are properly protected.

Even though in the UK we are lucky enough to have the NHS, there are millions of people that are taking out their own health insurance. While the NHS can be an excellent service and they do a good job in difficult circumstances, you will find that investing in health insurance can be invaluable particularly as the population is getting bigger and living longer, putting increasing pressure on the NHS. Health insurance is used to pay for private medical care. Some may feel that private health insurance is an unnecessary purchase when the NHS provides healthcare free of charge. However, being in good health should never be taken for granted and health insurance can help you get on the road to recovery faster than via the NHS. Health insurance can be expensive but there are affordable policies on the market.

What Is Covered With Health Insurance?

Private health insurance can be complex and confusing as balancing the cover you need against the price you pay is not easy. There are many different levels of cover, from basic heart and cancer health insurance, which covers you for the two biggest health concerns, to comprehensive medical insurance, which covers you for all in-patient and out-patient care, along with many other added benefits. You will find that with most health insurance plans hospital charges are covered as well as specialists fees, diagnostics tests and radiotherapy and chemotherapy. You can also increase your private health insurance cover for just a little extra on your premium a month and get policies that cover you for complementary treatments such as physiotherapy, acupuncture and chiropractic treatment. Please note that there are some common conditions that you will find medical insurance may not cover you for which include pre-existing conditions, long term or chronic conditions, alcohol, drug or solvent abuse and HIV/AIDS.

Pre-Existing Conditions

It is possible to get private medical insurance if you have a pre-existing condition. However, there may be certain limitations. Although some policies will completely exclude your pre-existing condition, other may apply a limitation of some kind. For example, you will find that pre-existing conditions will be excluded for the first two years of your insurance but once you have enjoyed two years without the recurrence of your condition your insurance is essentially reset. Be warned however, because this is not always the case. Serious conditions such as cancer may never be covered under these rules. But different insurers take different views of pre-existing conditions, so it is really important that you take the time to research the market.

What Are The Benefits Of Health Insurance?

  • Quicker Treatment – Unlike the NHS you will not have to wait as long for private treatment. For many people, this is the biggest advantage of private medical insurance. Being covered by private health insurance means that you’ll receive prompt attention when you need it, without waiting weeks for an appointment and perhaps months on an NHS waiting list for your surgery or treatment.
  • More Control – With private healthcare you will be given more control over the treatment and care you are given. For example you can decide where and when you are treated and in some cases which consultant or surgeon you want.
  • More Choice – Private healthcare can offer you a choice of consultants, hospitals, appointments that suit you. Patients with private medical insurance can choose when to have treatment for less urgent problems. For example, you could fit surgery around your work schedule or other commitments, or choose to have treatment when friends or family are free to help with childcare.
  • New treatments – With private healthcare you will be given faster access to new treatment and technologies.
  • Extra Support – In general you will find that with private healthcare you are given extra support and advice that you wouldn’t receive otherwise.
  • Higher Standard Of Facilities – Another advantage of private medical insurance is the guarantee of high quality facilities should you need to stay in hospital. Most private hospitals, and private wings within NHS establishments, will provide a private room with en suite bathroom, open visiting and many other premium facilities.
  • Personal Care – You are likely to be seen by the same consultants and doctors throughout your treatment
  • An overall better healthcare experience

Firstly, it is important that you understand exactly what you are buying and how healthcare policies can work for you. Bear in mind, in an ideal world, your private medical insurance would cover every condition, consultant and hospital for the full duration of your treatment and aftercare, but this level of cover can be prohibitively expensive. Make sure you choose a policy that is tailor made to suit you and your pocket. You need to make sure that should you need private healthcare that you have the right level of cover in place. The main aim is to reduce your premiums without compromising your medical cover. Remember however that the cheapest policy isn’t necessarily the best as it will offer you the least amount of cover.

Private medical insurance policies also vary in the level of cover provided. Most will cover in-patient services, such as treatment, surgery and hospital stays, but out-patient services, consultations, aftercare and drugs, and preventive medicine are generally optional extras. Many people assume that medical insurance is prohibitively expensive, but this is a misconception. There are a range of insurance plans for every budget. You want to find the best value combination of cover and cost while ensuring you have the insurance you need, without paying extra for the cover you don’t want. By comparing different policies from leading providers with comparison sites like Which Way To Pay you can find the best insurance options for you and your situation.