Capture Health have been helping people find the right medical insurance for many years. You’ll find above some examples of how we have helped. As you’ll see, whatever your situation we have the ability to fashion the perfect solution.
When a married, semi-retired couple from Morpeth received notification that their joint health insurance policy would once again be increasing in price with no change to the benefits, they decided to find out whether they were signed up to the right policy for them.
Seeking the assistance of Capture Health, the couple explained that they had assumed that a joint policy would be cheaper and provide the best cover for them both. They had received no satisfactory explanation from the issuer about why the policy kept becoming more expensive.
Having researched the policies available to the couple, taking their individual health and life circumstances into consideration, Capture Health advised two steps.
The husband was advised to change his policy immediately to a policy that offered the same level of cover with no medical exclusions but at a lower cost.
As his wife had been receiving treatment for a medical condition, she was advised to remain with the current provider in her own name until her consultant had signed her off. At that point, an alternative policy was found with excellent cover, no exclusions and at a significant saving in cost.
“Contrary to popular belief, it is not always cheaper to take on a joint policy for couples,” concluded Capture Health. “In addition, joint policies can often penalise one party for the ill-health of their partner – a situation that can be avoided with a little professional advice.”
Hoping to secure adequate private medical insurance for the whole family, a husband and wife team from Sunderland had researched a number of policies to provide cover for themselves and their small children. However, with three children already and a fourth on the way, the cost of cover for all of them precluded the option of a private policy.
So they sought the assistance of Capture Health, explained the family situation and provided the team with a budget. Capture Health researched the market and found a policy that would charge the family for both adults but only the eldest of the four children under 20 years of age.
This policy provided the best cover available for all of their children at a fraction of the price of other policies available – cover that continues for all the children until each of them reaches the age of 20.
“The price of medical insurance was at the top of this family’s priority list,” explained Capture Health. “Signing up to this policy allowed them to benefit from a level of cover that provided them with peace of mind as well as meeting their requirements with regard to an affordable monthly budget.”
As a medium sized organisation in the service sector, a Gateshead-based company has always striven to provide extra benefits for its employees. Private medical insurance was just one of those benefits, but with a number of mistakes being made by the incumbent insurance company and the increasing amount of time needed to administer the scheme, the organisation’s HR department had questioned the value of private medical insurance.
Asked to investigate the possibility of switching the policy to another provider, Capture Health presented an alternative to the organisation. Not content with a simple switch of policy, the Capture Health team advised the organisation to reassess the way in which the policy was administered. As a family-oriented firm, there were a number of husband and wife teams in the employee list of the organisation – who had previously been listed under joint names for the medical insurance. Capture Health suggested that in these cases the employees should be listed individually, under their own names, thus taking the number of members on the policy to over 20.
“As with many policies aimed at organisations, there was a ‘magic number’ at which medical history can be excluded, meaning a better standard of cover for every employee regardless of their health in the past,” explained Capture Health.
Not only did the policy deliver improved cover for the organisation at the same cost, but Capture Health also relieved the pressure of administration from the HR department by providing a medical insurance management service.