Holiday Safe Backpacker Insurance can provide the peace of mind you need when travelling abroad. Whether you are planning a romantic escape with your significant other or you are going on a business holiday with your staff, it is important that you consider what the health market provides. The UK medical sector provides top class care and you will never have to worry about where you will get the treatment for a minor health issue. The same applies to hospitals in France or Germany. Your travel insurance should provide a secure environment for you whether you are on holiday or spending a few days in another country.
Finding a trustworthy insurance agent is not difficult if you know where to look. Most insurance companies provide online brokers that are quick and easy to use. All that an agent needs to do is select the type of policy you require and complete the application form. Within 24 hours the company will either have an answer for you or contact you with offers from various health companies and their respective agents. There are no application fees involved. So there is really no reason why you should be paying an agent to find you a policy or contact you to make an offer.
In the United Kingdom, there are two different kinds of National Health System insurers. There are Consolidated Health Funds (CHFS) and Independent Living Funds (ILF). Consolidated Health Funds pays out more to cover the cost of medical care in the long run. The ILF covers the long term costs of nursing home care. Some of these companies include AIG, Aviva, British Airways Group, BHS, Celtic Insurance Company Limited, EY Tatton, Flowers Reimbursement, Hecla Group plc, HCA, Inexpert, Interval International PLC, King’s Insurance Company, LMC Group, M&A Group, National Mutual Life, NOVART, Royal Dental Institute, UCPB, Universal Life, Allied Universal, and Norton.
Most of the funds from the Consolidated Health Funds are earmarked for dental care. However, a very small percentage goes towards covering other types of healthcare. As a result, those with chronic illnesses such as cancer or diabetes may find it difficult to access the dental benefits that they need. For such individuals, it is best to seek out independent agents that work on a national level who can better assist them with getting dental coverage.
Another important thing to remember is that there are differences between the various levels of protection provided by different CHFSs. If you want to get your dental plan through a Consolidated Health Funds agency, you will have to deal with an approved New York insured individual (note: this does not mean you can just jump to an “American” dental plan – such agencies do not provide insurances for international travel or Americans traveling to other countries). Alternatively, if you are looking for an Independent Living Fund or IFA, you can deal with an independent agent that will be based in the US or the UK. One other important point to note – before you contact an IFA or an independent agent, you should be able to ask whether they can offer you a tailored plan that will work according to your specific healthcare needs and circumstances. In case you are unable to find such a plan, you may want to consider working directly with the New York State Department of Health.
Most importantly, however, when you deal with an independent broker or agent, you can be sure that you will not be cheated. This is because the CHFS regulates the premium rates offered by brokers on an equal basis with insurance companies. Therefore, an independent broker or agent will always have access to more affordable dental cover plans than what you would get if you deal with a CHFS alone. In addition, you will not have to worry about being ripped off, since you will be paying the same premium rate no matter which plan you choose.
When you get an IFA or you opt for the CHFS, you will also be covered for any public liability and auto collision that you might incur during your holiday. The good thing about public liability and auto collision coverage is that you will never have to pay the full amount of your public liability insurance in one go. You can have your premiums refunded to you periodically. The nice thing about this is that if you are involved in an accident while on holiday with no fault of your own, your auto exchange policy should cover the costs of your medical treatment in a UK hospital.
Finally, you can always make use of a progressive credit payment scheme. A progressive credit payment scheme is one in which you are allowed to make small monthly payments based upon your income. If you make regular payments, you can easily afford to have more money left over after you pay your premiums and taxes. In addition, this scheme usually offers you a number of benefits such as free dental checkups, free educational resources and much more. In case you are worried about getting the right kind of dental care in a UK hospital, you can ask your IFA or independent agent to recommend a dental centre in the UK that you can afford. Alternatively, you can also ask your medicare consultant to refer you to some hospitals that provide top-notch dental services.