Monday, 11 March 2013

Avoid Talk Talk !

Had some issues with Talk Talk broad band in the last week.

I've had my broadband & phone service with them for around five years and my parents have been with them for over seven.

Last week my mum had some issues and their internet service just died. I went around and did the usual - reset the router, tried new adsl filters and even took my own router round to check and there seems to be no signal going into the house.

Spoke to TT on Thursday for around 30 minutes and did the usual line checks and they couldn't find a problem - then I ran out of time and had to call them back yesterday. After an hour plus on the phone and more checks they still couldn't find a hard fault and wanted to send an engineer round. That's fine, even the prospective charge of £ 50 if the fault is at our end and not theirs seems fairly reasonable. however, the date for the visit was ..... 8th of April.

So now they're not providing the service we're paying them for and we can't move to a new internet service provider because that would breach the contract we had signed with them (?).

No amount of referring the problem upwards or asking to speak to a UK representative worked (I presume I was speaking to a call centre in India) - essentially seems to be only one service engineer in the Leeds area and he works on a strict first come first served basis.

Now, for fear of you all thinking my diamond shoes are a bit tight I understand that not having internet is a bit of a first world problem especially as my parents use the internet socially - e-mail, banking on-line, light browsing, bit of kindle etc. However, I'm offended on their behalf and think about what would happen if TT did the same to me - which if course is possible and I ended up with no internet access for four weeks.

I work from home and am self employed essentially the internet is as integral to the business as I am - without both being available everything stops.

Here's where is get's interesting though - Talk Talk is the fourth largest ISP by subscriber in the UK (I checked) - with over 4 million customers - BT has 6 million to give some context.

However, Talk Talk (according to Ofcom) is also the most complained about ISP - running at 0.53 complaints per 1,000 customers per quarter (that's over 8000 complaints per annum - that must keep their complaints people on their toes !)

As an aside Leeds is one of the three or four largest conurbations in the UK - maybe Talk Talk would have fewer complaints if they looked at maps and saw where their clients were.

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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
Video Podcast - You Tube Channel : pkn439
Audio Podcast - www.pmicast.podbean.com

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. FSA Number 312878


Saturday, 9 March 2013

Slightly revised plans for PMICast podcast

Following the surprisingly easy launch of my business podcast this week (who knew getting set up and on iTunes would be so easy ?) I have decided to revise my plans for the future of the 'cast already. I had imagined the time and work involved in setting up then producing the podcast would be quite prohibitive and mean that a monthly version was the only option. however, less than seven days in I'm already prepared to record the second episode with ideas for at least the next seven or eight in place ready to flesh out.

So I'm going to up the schedule from monthly to bi-weekly I think - the next podcast will be records next week and I'll aim to get it on line on Thursday or Friday.

Make sure you get episode 1 from iTunes !
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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
Video Podcast - You Tube Channel : pkn439
Audio Podcast - www.pmicast.podbean.com

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. FSA Number 312878

Friday, 8 March 2013

The problem with reporting of medicine and science in the media

If you've ever idly glanced at a copy of the Daily Mail (or indeed any tabloid) you will have seen one of many science or medicine scare stories - 'Toffee Causes Cancer', 'Red Meat kills', 'BBQ sausages make you go blind', 'Today is the most depressing day of the year' etc ... ad nausea.

What you might not know is that due to the lack of proper science journalism these pieces tend to be written by staff reporters with no knowledge of science or statistics who run to extraordinarily tight deadlines. These factors have conspired to enable PR companies to publish poorly conducted surveys on behalf of clients to plug one product or other via a press release that sounds on the surface like 'science' but is in its entirety an advert, a free advert that receives extensive coverage in the national press. Due to time and knowledge constraints for years, reporters have simply reproduced these PR sciency adverts as 'news' whilst literally lifting 80 to 90% of the copy direct from PR companies press releases.

The scandal of course is that members of the public, uneducated in science or unwilling or unable to engage with complex subjects 'believe' the hackneyed stereotypes and poor logic contained in these stories.

As a rationalist and working within the health industry I maintain an interest in this area and would like to recommend the following additional sources for readers of my blog.

Firstly the Bad PR blog by Michael Marshall. Marsh focuses on this topic regularly. He is also co-host of the Mersey Side Skeptics Society podcast 'Skeptics with a K' and he runs over this issue in some depth on this weeks edition : episode 93. One of the two examples he uses in this episode interestingly involves Benenden Healthcare.

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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
Video Podcast - You Tube Channel : pkn439
Audio Podcast - www.pmicast.podbean.com

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. FSA Number 312878


Thursday, 7 March 2013

Live on iTunes

Following the launch of the new podcast earlier this week I'm pleased to announce that PMICast has now been approved by iTunes and is available in the store to download and subscribe.

To find it, simply visit the iTunes store and search under 'pmicast' and you should go straight to the right page.

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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
Video Podcast - You Tube Channel : pkn439
Audio Podcast - www.pmicast.podbean.com

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. FSA Number 312878

Wednesday, 6 March 2013

Update on Podcast

Just wanted to put up a quick post to thank my blog readers, Twitter and Linkedin followers for the positive response to the first episode of PMICast that went live yesterday.

I've had several dozen downloads (far more than I expected for a first effort) and some very positive responses and thank you to everyone who took the time out to contact me and comment.

I'm working hard on episode 2 (which i might put up a little earlier than originally planned given the positive response) and will update regularly here with any progress. I'm told that it can take up to two weeks to get the 'cast on iTunes so this is the most important thing to sort prior to putting up future episodes.

Once again, thanks !

Tuesday, 5 March 2013

PMI Cast now live !

My new video and audio podcast cast now available to view or download :

Video - You Tube Channel - pkn439 or search on You Tube under 'PMI Cast Episode 1' or follow the link : (http://www.youtube.com/watch?v=YZ0RZr6Kx7Q)

Audio - www.pmicast.podbean.com

It will also shortly be available on iTunes once approved by the Store Elves at Apple.

The aim is to be concise but informative covering off information about my practice and the UK and International PMI market in general. I welcome feedback but because this is episode one (and like most people I hate to watch myself on video) please be gentle !

The initial aim is to run the podcast at least monthly and of course I will update here as new episodes become available

The NHS in the news

On GMTV (sorry, Daybreak) this morning the NHS was the story du jour - both the unnecessary deaths of tens of thousands of people due to the shortcomings of NHS management (a follow on and one assumes a media escalation of the story involving the problems within the Staffordshire NHS Trust) and then the fall in the UK health statistics from 10th in the world to 14th.

Having worked in the NHS myself in the 1980's and been involved in the health industry since 1994 I cannot say I'm really surprised - as a purveyor of private medical insurance for my clients the stories hammer home the need for the fall back position of PMI but also as a regular user of the NHS myself (I have two pre-teen children for whom the NHS is essential) I see waste both financial and human at every turn.

Perhaps rather than bemoaning the managers within the NHS we need more, better trained ones with authority to actually make rational and money saving changes to make things more efficient ? Discuss ....

Here are links to relevant stories today on the BBC website :

BBC News - Auditor in warning to Northern Ireland health trusts http://bbc.in/WFJOzY

BBC News - UK 'lagging in Europe health league' http://bbc.in/VyFFln

BBC News - Stafford Hospital senior nurses 'changed records' http://bbc.in/163xzEi

and so on .....

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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. FSA Number 312878


Monday, 4 March 2013

Coming soon ... PMICast

At the moment I'm deep in planning for a new video and audio podcast for my medical insurance business.

The aim is to put up a You Tube video 'cast and also the audio transcript on RSS/Itunes once a month. There will be a main discussion point, some news, e-mail/feedback and contact information. I've already recorded 'Episode 0' as a test and it runs to around seven minutes which seems about right - keeping it pithy and concise.

The contact e-mail for the podcast will be pmicast@gmail.com (the name of the 'cast is PMICast) - once we go live I'll add more details including show notes and when we're live on itunes and so forth.

Fingers crossed we will make this project available at least monthly moving forwards with the first proper episode any day now in March 2013.

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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. FSA Number 312878




Friday, 1 March 2013

Group Medical Insurance scheme leavers

When you leave a company, obviously you leave the employee benefits behind. This of course includes the private medical insurance.

On leaving a company group you are usually entitled to what is called a continuation option - this guarantees continuing cover with no additional medical underwriting but of course is paid by you directly rather than being provided free by your employer as a perk of employment.

The problem with this kind of continuation cover is that it is generally very expensive - typically far more than the equivalent plan with another insurer, even when they take you as a switching client with no additional underwriting themselves.

Bizarrely then an insurer that you have been with (possibly for years) offers worse rates than any one of five or six companies who have no idea what kind of a person or risk you are.

As a professional in the medical insurance sector for the best part of 20 years this situation with regards to continuation plans irritates me enormously - as you might imagine most people faced with having 'free' cover within a company plan (there is of course the tax benefit in kind to pay on the cover but it is a notional charge) and getting a quote for double the market rate to continue the cover tend to not bother and lose access to this valuable benefit.

The answer of course is to look at a full market review when leaving your company and at least considering a move away to a new insurer - regardless of whether you are retiring, moving jobs, setting up your own business or being made redundant it is usually better to consider a new insurer.

The main exception to this advice is if you have on-going health conditions or claims - these, depending on their nature might mean you are forced to stay with your holding insurer.

Regardless of your position, the complexity of medical insurance plans means that contacting an independent adviser like myself if almost always a good idea.

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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, 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