A two-tier health care system – the law of supply and demand

As the NHS continues to try and meet its duty of care to the public, the pandemic is forcing the waiting times to grow and realistically there seems to be no solution in the near future. The NHS Confederation believes that the waiting list could be as high as 6.9 million patients by the end of 2022. In

Are you a company director with life assurance to provide for your loved ones?

Taking out a Relevant Life Policy could be a tax efficient way of providing life cover where the number of employees is too low for a group death-in-service scheme. Most people pay their life insurance premiums from their post-tax income. If you have a limited company – Don’t! You can use a

Over the years my husband and I have had occasion to claim on Private Medical Insurance (PMI). Depending on our employment at the time and whether it was included in our benefits package we were able to have treatment that we might have had to wait a long time for under the NHS. In one case the keyhole surgery for a procedure wasn’t even available on the NHS which meant