Pensions and healthcare advice

[FarmerPalmer]

....trust me, once you've had a medical problem private health cover becomes very appealing!

We have used it extensively in the past. a number of scans & procedures at ~£1k each etc - but I doubt if it would cover pre-existing conditions without very expensive premiums - thus the PAYG.

[s2budd]

What I do is:

Pension:
through company, though I am starting think that this is pants so will let this option die a slow lingering death and ramp up the ISA/Pep thingy to max.

Life insurance: None, no defendants apart from the Mrs and house is paid off so she will be ok. If I had defendants then I would have life insurance.

Dentist: Private. I just pay the fee on visiting the dentist. The NHS Dentists are pants / non-existent in this area. I was with an NHS one but the service was dire so changed.

Health insurance: None, though this maybe an idea or at least pay for a professional checkup yearly.

Work Insurance: None. Insurance against unemployment is very expensive and not cost effective.

Physical Ability insurance: Insurance against you being unable to perform work (i.e. you have become a vegetable due to some type of accident) about £40 per month from personal account. It's one thing to be out of work because there are no contracts but another to be unable to even work in Tesco's thus I think this is a good deal. Obtained from Dentist & General and pays out about £400 a week but there are lots of other options. I have claimed once for about two weeks while in hospital. No problems.