Health Insurance is defined as insurance to protect your health if any health program occurs in unforeseen future. It normally pays for medical expenses. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. It may be provided through a government-sponsored social insurance program but only basic coverage, or from private insurance companies. It is wise to purchase comprehensive health insurance policy addition to your government coverages. A health insurance policy is a contract between an insurer and an individual or a group, in which the insurer agrees to provide specified health insurance at an agreed-upon price the premium.
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Private Health Insurance For the Over-50s
Although many people in Britain are rightly proud of the National Health Service (NHS) and people aged over 50 are most likely to use it, research suggests that more and more older people are losing faith in the NHS and turning to private health insurance.
A recent survey revealed that 87% of the over-50s have used the NHS in the last couple of years and that almost half (43%) of them said their experience had been a "very good" one.
However, the research also showed that 20% of over-50s believe the NHS has deteriorated in recent years.
Over a third (35%) predict that the NHS will get worse in the next five years.
Survey respondents listed their top reasons for choosing private medical insurance. These were:
• To avoid National Health Service waiting lists
• Increased flexibility over when and where treatment takes place
• Hospital cleanliness
• Private hospitals are more comfortable
• Care in private hospitals is perceived as being of a better quality
• Policies are available which cater specifically to the needs of the over-50s
Over 500,000 people aged over 50 now rely, at least partly, on private medical insurance.
More reasons that the over-50s choose private health insurance
• They worry about public spending cuts and their affect on the NHS
• The over-50s are more health-conscious and active than ever
• Many over-50s lead very busy lives and they do not want to be slowed down by niggling health problems which could be treated quickly
• They want to have peace of mind about their finances
Patient Choice offers cost-effective private health insurance for individuals and businesses in the UK. For more information visit the Patient Choice website.
Article Source: http://EzineArticles.com/?expert=Sarah_Cornish
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Many people that have dental insurance think that they can have some kind of coverage for orthodontic care but that is not always the case. If you have kids that will need braces soon you will need to start searching for good dental health insurance that can help to pay for their braces.
Look At Your Current Dental Coverage
The first thing you should do is take a look at your current policy. If you find that you have no or little coverage for orthodontic care then you should start researching your options.
Dental Insurance Plan or Dental Discount Plan?
Researching dental plans does not have to be complicated. First decide if you want actual insurance or a discount plan that will get you a certain percentage off your dental visits and orthodontic care. Sometimes you will only be able to use certain doctors that accept the discount plan. With dental insurance you use it just like you would health insurance. You might have to pay a co-pay for some services and there might be a deductible also.
What Orthodontic Care is Covered?
After deciding on which option is best for you, either an insurance plan or a discount plan you will want to find out exactly what orthodontic care is covered. You will also want to learn more about Premiums, Deductibles, Co-pays and Exclusions. If you find a plan with low premiums don't use that as your only deciding factor, it may not really be the best plan for you and your family.
Dan enjoys writing articles that help people find the information they need to make informed choices.
Visit his latest website Discount Bed Frames and also at Arch Window Treatments
Article Source: http://EzineArticles.com/?expert=Dan_Casavetes
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