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Norwich Union – Health Solutions

Norwich Union

Health Solutions

Type: Individual private medical insurance

Minimum-maximum ages: From birth -70

Minimum premium: No minimum

Maximum benefits: No overall maximum but limits will apply to some benefits

Cover provided: In-patient/day patient of acute conditions – hospital charges, specialist fees, diagnostic tests, radiotherapy/chemotherapy, home nursing, private ambulance, parent accommodation when child in hospital, hospice care, NHS cash benefit, maternity cash benefit, treatment for abnormal conditions of pregnancy and childbirth, investigation into the causes of infertility, oral surgical procedures, stress counseling and GP helplines, personal health manager, out-patient treatment of acute conditions – specialist consultations, diagnostic tests, radiotherapy/chemotherapy, specialist referred physiotherapy, osteopathy or chiropractic treatment, optional cover for complementary medicine and alternative therapies, optional dental and optical cover
Options: Reduced out-patient cover and selected benefit option, reduced and extended hospital lists

Excess: £500 or £1,000, six week option where benefits apply only if NHS treatment unavailable within six weeks

Discount: No claims discount of up to 60%, new policies start at 45%

Commission: Initial 25%, renewal 5%

Tel: 0845 3000649


Thy will be done

I am what many would describe as very comfortably off and have recently married for the second time. While I love my wife very much, she is younger than I am and is likely to survive me. Following my death, I would want my wife to be comfortable and continue to live in our house, which is in my sole name. However, I am conscious that should she inherit my estate and subsequently remarry, my estate could be diverted away from my two grown-up children, who I would like to be my ultimate beneficiaries. What steps could I take to protect my children’s inheritance while ensuring that my wife will be looked after?


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