James, 46, is a newly qualified IT programmer who earns around £35,000 a year and lives with his mother in the suburbs of London. He works on a freelance basis and would like to take out private medical insurance. James lives a relatively healthy lifestyle but does not go to the gym. He has never smoked but enjoys drinking with his mates on a Saturday night. He can afford £100 a month. What would you recommend?
Stephen Walker, Medical Insurance Services Although James can afford to spend £100 a month on a private medical insurance (PMI) policy, he can find good basic comprehensive cover for a good deal less. BCWA is a well-established company that has an excellent track record regarding claims and service levels. Their modular personal health policy will enable James to choose the benefits he requires. The policy operates on a managed care concept using BCWA's Service+ system. Full cover with options 1, 2, 3 and 4 would cost James, as a non-smoker, £48.25 a month, while dental cover can be pro...
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