Life Insurance / Income Protection

mr phone · Post by **mr phone** » Mon Mar 03, 2008 9:53 pm

I take it that alot of the users on here are self employed?
Why is it so much bloody money for cover to help out in the event of accidents/ time off work etc etc?
Anyone got any recommendations?

Telmay · Post by **Telmay** » Mon Mar 03, 2008 10:18 pm

Hello Mr Phone,

I use these for accident, illness and injury http://www.combined.com/ and have private health with AXAPPP - with all insurances they cost me £150 a month, a days money well worth it in my opinion.

Stoday · Post by **Stoday** » Tue Mar 04, 2008 1:04 am

If you are self employed you have to have private health insurance. You might be out of work for ages with the NHS and find your business gone when you do get back.

Telmay · Post by **Telmay** » Tue Mar 04, 2008 7:15 am

Like I said on my post £150 a month for total protection is a small price to pay.

amarg · Post by **amarg** » Fri Mar 07, 2008 8:08 pm

I would begrudge paying that.

I used to have health cover through the company that I worked for, then I realised that it was costing me as it is classed as a taxable benefit

so I pay national insurance for all the lazy bone idle bastards and immigrants and then have to pay towards private health insurance by paying more tax, then when I am ill I get treated quicker and so can return to work sooner- to pay more tax

f*ck that- I soon knocked the health insurance on the head

Telmay · Post by **Telmay** » Sat Mar 08, 2008 10:30 am

Thats all correct and agree with you, however when it all goes pear shaped and you need to be cured or back at work the moral stand its a little impotent as you get stuck in the NHS queue

Stoday · Post by **Stoday** » Sun Mar 09, 2008 2:19 am

You don't replace the NHS when you buy insurance. You just buy speedy hospital access for an acute problem.

An emergency? You'll be taken to an NHS hospital, private don't do emergencies like heart attacks.

A cronic illness? Private dosn't cover cronic; you'll have to rely on the NHS.

The older you get the more private insurance will cost you. So eventually, you may give it up. NHS is there in your old age because you've paid for it in your youth.

Telmay · Post by **Telmay** » Sun Mar 09, 2008 8:28 am

You bypass the queue and more important on my insurance most of the time use private hospital, I would be sh*t scared of going into an NHS hospital and catching a nice infection. Mine helps with the initial stages of a chronic, but does not continue the care once you have established diagnosis and primary care - then my income protection insurance kicks in. Anyway at just 40 I am hoping never to have to use them! But when I was younger had a parachuting accident and even that impacted on work / home even though I was still living with parents and had to have 6 weeks in hospital.

Stoday · Post by **Stoday** » Sun Mar 09, 2008 12:24 pm

If it's an emergency it dosn't matter if it's the NHS because you get priority & go straight in (past the drunks in A&E).

I got a problem after working in Pakistan; doctor sent me to hospital "Go straight there, don't go home first". Dripped antibiotics into me for two weeks.

Telmay · Post by **Telmay** » Sun Mar 09, 2008 5:32 pm

I spent a Saturday night in A&E in Tooting South London after being bit by my mums mad dog about 10 years ago - much better than any soap opera I have seen

Stoday · Post by **Stoday** » Sun Mar 09, 2008 10:16 pm

They should leave the drunks in the gutter.