Thursday, 28 February 2013

When did you last review your private medical insurance ?

If you have private medical insurance when did you last review the cover ?

Like any product (insurance or otherwise), over time the cover can become outdated as insurers create new plans and in common with many financial services plans, insurers rarely offer the best rates to current plan holders. Preferring to use low rates to attract new customers usually.

As an independent, whole of market adviser I look at providing my clients with an on-going service to ensure their cover remains affordable and up to date over many years.

As a general rule then if you've had the cover for more than a couple of years it is worth 'sanity checking' the benefits and pricing at the next renewal - we would typically ask the following 'questions' when performing a client review :


1) Is the cover affordable still ?

2) Do the plan benefits still meet the clients need ?

3) Do we need to amend benefits to make it more affordable - e.g. include an excess or reduce out-patient benefit slightly ?

4) Is a move to another insurer possible - policy holders in good health with low claims can usually move insurers

5) Do other insurers offer equivalent/better cover at lower rates than the holding insurer


Private medical insurance is an extremely complex product area with literally hundreds of permutations of cover available from numerous insurers - if you would like a review of your cover please feel free to get in touch and we can run through what information I need to review your cover and how the process would work.

Any work undertaken for clients in this regard is usually free - I only receive commission from an insurer if you take up my recommendations or appoint me as your intermediary.

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If you're interested in a free review of your medical insurance cover (family or company paid) please get in touch :

Tel - 07792 075748 or 0113 3474395
Twitter - @localventure1

Phil Knight
Independent Healthcare Consultant

I'm a totally independent healthcare intermediary with 20 years market experience, not tied to any insurer, full FSA regulated and part of the Premier Choice Healthcare Group

Wednesday, 27 February 2013

Latest Protection News

As you may remember from a previous post I now write a number of articles on health and protection insurance and news for the Premier Choice Group. The latest of these articles went live yesterday and can be found at :

Premier Choice News page

I hope that you'll take the chance to have a read through.

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If you're interested in a free review of your medical insurance cover (family or company paid) please get in touch :

Tel - 07792 075748 or 0113 3474395
Twitter - @localventure1

Phil Knight
Independent Healthcare Consultant

I'm a totally independent healthcare intermediary with 20 years market experience, not tied to any insurer, full FSA regulated and part of the Premier Choice Healthcare Group

Tuesday, 26 February 2013

Alcohol and children

With two school age children myself the question and of kids and alcohol is one that I am beginning to think about.

The arguments between total abstinence and controlled, staged access are well known and hotly debated by both camps - whichever school of thought you belong to I'm slightly dubious about the involvement of schools and local councils - is this perhaps the nanny state gone mad ?

Check out the details of this experiment proposed by a council in the South East :

BBC News - Brighton and Hove considers anti-child drinking contracts http://bbc.in/YSWi7w

Monday, 25 February 2013

Foreign Doctors in the NHS

Since Friday of last week there has been a fair amount of press covering changes in the language requirements for EU doctors practicing in the NHS.

Medics from outside the EU have always had to prove their ability to speak english but the proposals announced recently will mean that all foreign doctors will now need to prove their ability to converse with patients here.

Follow the link below to view the details on the BBC news website :

BBC News - NHS foreign doctors must speak English, say ministers : http://bbc.in/YmBEht


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If you're interested in a free review of your medical insurance cover (family or company paid) please get in touch :

Tel - 07792 075748 or 0113 3474395
Twitter - @localventure1

Phil Knight
Independent Healthcare Consultant

I'm a totally independent healthcare intermediary with 20 years market experience, not tied to any insurer, full FSA regulated and part of the Premier Choice Healthcare Group

Saturday, 23 February 2013

Working Late


Working for myself I tend not to bother too much about the conventions of working 9 to 5. 

In practical terms, when I'm not working, I'm not earning so for example my phone is on 24/7 (although to be fair 'do not disturb' is set on the iPhone between 10.00pm and 8.00am). 

My work pattern varies but generally I am in the office first thing around 6.30am checking e-mails. To fit in with family meals and sporting activities I will 'finish' work around 5.00pm ish but tend to have the Macbook on my lap from around 8.00 to 10.00pm in the evenings to catch up on e-mails, marketing prep and the variety of off-line tasks that can be done at leisure.

Working today I've discovered that the tasks I've been saving for the weekend (quote requests, preparing client fact finds and researching a new article) are actually some of the most boring and tedious - frankly, I've been boring myself today and writing this brief blog post has been one of the most interesting things I've done all day - sadly !

The notable exception was playing 'throw a penguin' with my seven year old (don't ask). although the game ended in tragedy for the penguin - but that's another story !

Enjoy your weekend.

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If you're interested in a free review of your medical insurance cover (family or company paid) please get in touch :

Tel - 07792 075748 or 0113 3474395
Twitter - @localventure1

Phil Knight
Independent Healthcare Consultant

I'm a totally independent healthcare intermediary with 20 years market experience, not tied to any insurer, full FSA regulated and part of the Premier Choice Healthcare Group

Thursday, 21 February 2013

Interested in Health & Medicine

I have both a personal interest in science and medicine as a rational thinker and skeptic but also as a professional working within the healthcare field as an adviser on private medicine and related subjects I need to keep abreast with the latest in research and breakthroughs.

There are an enormous number of issues to bear in mind when assessing medical news and some of the statistics that are thrown around by the media when report such news can be both confusing and misleading.

If you would like to develop more than a passing acquaintance with how medicine works in a scientifically credible way can I suggest some important resources.

Firstly, as essential 'primers' can I suggest reading Dr Ben Goldacres books : Bad Medicine and Bad Pharma - they cover in a light and readable format some of the statistical and scientific rigours that good and bad medicine undertakes before becoming accessible to the public. Then, in some detail both books ground the reader in what to watch out for when thinking about the science and credibility of what the media, doctors, clinical practitioners and drug companies tells us about medicine and the science that sits behind it.

In addition, to develop you critical thinking capability and also to take up some of that time during your commute can I suggest that you consider downloading some skeptical/rational analysis podcasts - best to start with something like : 'the Skeptics Guide to the Universe' - a solid guide to not being fooled by irrational and unscientific nonsense.




If you're interested in a free review of your medical insurance cover (family or company paid) please get in touch :

Tel - 07792 075748 or 0113 3474395
Twitter - @localventure1

Phil Knight
Independent Healthcare Consultant

I'm a totally independent healthcare intermediary with 20 years market experience, not tied to any insurer, full FSA regulated and part of the Premier Choice Healthcare Group

Drug Breakthroughs

I have just tweeted an article from the BBC Health News feed that discusses the myth that access to new drug breakthroughs has fallen in the modern era.

To the contrary, researchers at Birmingham University looked at new medicines introduced between 1971 & 2011 and discovered that the rate of introduction of new drugs had increased slightly (around 0.16 per year more per year now than in the 1970's.

New drug introductions averaged at 23 per annum with the lowest in the test period being 9 and the highest 34.

Fascinating stuff and you can find full details on my tweet or follow the link below.

BBC News - Falling drug breakthroughs 'a myth' http://bbc.in/YI69Nt

Wednesday, 20 February 2013

Relaunch for this blog

As you will gather from the recent activity on this blog I am in the process of attempting to reinvigorate it.

The aim is to post daily during the week with a range of posts around my own business and related business and healthcare issues. Not sure yet if I will include any of my personal interests or separate them off into a different forum or not at this stage.

I will be welcoming feedback, comment and guest blogs (so please take the opportunity to promote your own company and projects).

Historically the blog received up to 500 hits per month so with a more strategic approach based on my several hundred twitter followers and 500 plus LinkedIn contacts the only way is up.

Phil Knight

Insurer Service Problems

Had a client come back to me this morning. They cancelled their cover in January making a formal written complaint at the time to them viewing a "total lack of customer service" as the problem.

The insurers response to date is that everything was done correctly by them ?

I'm waiting to get specifics from client to advise on replacement cover but regardless of the detail surely the issue here for the insurer is the TOTAL FAIL in service and more importantly client perception.

As one old MD of mine used to tell me when a customer is treated poorly they tell on average ten people ! Ironically, that former boss was the MD of a company that is now part of the above offending insurer.

Service is a vital part of our industry but clearly some companies have a way to go.

Premier Choice news articles

I'm currently writing a series of news articles covering health and protection insurance insurance.

They can be found at the Premier Choice website using the following link :

http://www.pch.uk.com/latest-health-insurance-news.php

Please keep checking back to this link as at present we're putting up around two or three articles per month.
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If you're interested in a free review of your medical insurance cover (family or company paid) please get in touch :

Tel - 07792 075748 or 0113 3474395
E - philknight@pch.uk.com
Twitter - @localventure1
Website

Phil Knight
Independent Healthcare Consultant

I'm a totally independent healthcare intermediary with 20 years market experience, not tied to any insurer, full FSA regulated and part of the Premier Choice Healthcare Group

Contact and business information

Just wanted to update the blog with current contact information.

If you want assistance with private medical insurance - I'm an FSA registered independent healthcare consultant working with individuals, families and corporates on new and existing cover :

E-Mail : philknight@pch.uk.com
Telephone : 07792 075748

I also own a marketing business working with senior doctors and enabling them to increase income stream from medico-legal work.
Website : www.medicolegalmarketing.co.uk
E. info@medicolegalmarketing.co.uk or pknight.mlm@gmail.com
T. 07792 075 748

My main Twitter accounts are :

@localventure1 (this blog and my personal account)
@philknightpch (medical insurance account)
@mlm4docs (medico-legal marketing account)

Lastly, you can find me at Lindekin, here's the public profile :

http://uk.linkedin.com/pub/philip-knight/1a/b47/58b

Looking forward to doing business !