Smiles and Miles

Insurance & Plans · 48 pages

The Health Cover Decoder

UK private medical insurance and cash plans decoded — how the product types work, what's actually covered, and when each makes sense. Educational only; personal recommendations require an FCA-authorised broker.

Smiles and Miles · Buyer's Guide

The Health Cover Decoder

What's inside

  • PMI, cash plans and hospital plans: what each really covers
  • Underwriting types: MHD, FMU and moratorium — what they mean at claim time
  • Common exclusions that surprise policyholders
  • Employer schemes vs individual policies: when to switch
  • Cash plans: routine dental, optical and physio maths
  • How to brief an FCA-authorised broker

Table of contents

  1. 1. UK health cover, product-by-product
  2. 2. Underwriting explained without the jargon
  3. 3. Exclusions, waiting periods and pre-existing conditions
  4. 4. Employer schemes: perks and pitfalls
  5. 5. Cash plans: honest maths
  6. 6. Working with an FCA-authorised broker