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• Who is Healthguard Direct

Huge premium savings to be made

Traditional private medical insurance (PMI) can increase each year based on your age increasing and your health potentially deteriorating, even if you don't claim. This chart shows you how with a Healthguard plan your premiums are fixed for 5 years.

Datamonitor – UK PMI 2007

This explanation is for illustrative purposes only as it is difficult to compare like with like on PMI policies, but using this simple comparison does show the savings which can be on offer.

It was forecast in 2008, that the average yearly traditional PMI premium of £1,621 will rise to £2,030 by 2012. With Healthguard a man in his fifties will pay just £696 each year for cover worth £30,000 over ten years. And in 2012, he'll still be paying the same.

After every five year period your premium will be reviewed and only if claims experience across all our plans is higher will we increase it - it will never increase just because you have made a claim.