Health insurance - continuation after leaving employer
Discussion
I'm hoping that someone here will have been through this already and can point me in the right direction...
I am about to leave my current employment and probably won't be working again for a while. Whilst employed I have "enjoyed" comprehensive medical cover for myself and my family (wife + 2 young kids). For many years my employer provided a BUPA policy; in the last 4 or so years it was PruHealth/Vitality which seemed hugely overcomplicated frankly. We're all pretty healthy, no major claims or ongoing conditions etc. Probably as vanilla as it's possible to be. I'd like to have a similar level of cover in place going forward. Obviously I'll have to pay for this myself which is fine.
What's the best/easiest way to understand the options I have in this situation? I have asked PruHealth what they can do. They are coming back to me with what they called a "continuation quote".
I have spam email from brokers(?) offering to get comparable quotes from the various providers. Is this a good route to go, or do I need to go through the pain of contacting all of the major providers directly myself asking for quotes?
Having worked for many years in financial services I am somewhat sceptical about "brokers"... Are there companies who will provide advice on cover for a fee (from me) as opposed to some sort of embedded commission from the provider?
Any help/thoughts/observations gratefully received. Thank you in advance.
I am about to leave my current employment and probably won't be working again for a while. Whilst employed I have "enjoyed" comprehensive medical cover for myself and my family (wife + 2 young kids). For many years my employer provided a BUPA policy; in the last 4 or so years it was PruHealth/Vitality which seemed hugely overcomplicated frankly. We're all pretty healthy, no major claims or ongoing conditions etc. Probably as vanilla as it's possible to be. I'd like to have a similar level of cover in place going forward. Obviously I'll have to pay for this myself which is fine.
What's the best/easiest way to understand the options I have in this situation? I have asked PruHealth what they can do. They are coming back to me with what they called a "continuation quote".
I have spam email from brokers(?) offering to get comparable quotes from the various providers. Is this a good route to go, or do I need to go through the pain of contacting all of the major providers directly myself asking for quotes?
Having worked for many years in financial services I am somewhat sceptical about "brokers"... Are there companies who will provide advice on cover for a fee (from me) as opposed to some sort of embedded commission from the provider?
Any help/thoughts/observations gratefully received. Thank you in advance.
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