Call us
01242 697821

Blogs

Keep up to date with the latest news and our guides on all things mortgages. 

Are you covered through your protection policy for overseas treatment?

Did you know, you and your children can be covered for overseas treatment through your protection policy? We are fortunate to have incredible access to the NHS. However, outside the UK, there may be more access to experimental research and innovation.

Unfortunately, the Covid-19 pandemic has also had a big impact on the NHS. With waiting times stretching out and the availability of diagnostics and treatment. But, if pioneering treatment is available exclusively overseas, it’s likely to be expensive.

We’ve seen in high-profile cases that effective or lifesaving treatment can be available overseas. But people are turning to crowdfunding to cover the cost.

Did you know a small number of protection insurance providers offer payouts? Or optional benefits to cover overseas treatment costs?

Currently, only three insurers offer some form of overseas treatment cover. Each approaching this benefit slightly differently. It’s worth chatting to us to ensure you have access to a plan that suit you.  

Rather than paying out an amount of money, these policies cover the costs of overseas treatment directly.

For example, six specific types of treatment can include:

•           Cancer treatment

•           Coronary artery bypass surgery

•           Heart valve replacement or repair

•           Neurosurgery

•           Live-donor organ transplant

•           Bone marrow transplants

You may be covered for up to £1 million per year. Or up to a total of £2 million during the whole policy term. And not as expensive as you may think!

Under children’s critical illness cover, you may only need to pay an additional £3 per month. If alongside existing policies, such as life, critical illness, or income protection. Some providers even have this as a feature just for children in your regular policy. Among the costs covered include expenses for the family to travel to receive treatment.

So, this is a useful one to consider. We might have access to free healthcare in the UK. However, the pandemic and other factors mean that quick access to treatment might not be possible. With some heading abroad (at a high cost), insurance can provide some form of overseas treatment cover.

We can refer you to a trusted partner to help you find out more about the policies available and make sure you have peace of mind for the future.

SPEAK TO AN ADVISER

Related

How to stay active through summer! (and how health insurance can help)

How to stay active through summer! (and how health insurance can help)

With the warmer weather approaching, it’s a great time to get active without hitting the gym! We’v...

Read More >
With insurance premiums on the rise, is your policy up to date?

With insurance premiums on the rise, is your policy up to date?

With insurance premiums increasing, it’s a great time to review your policy. Did you know that if y...

Read More >
What is a Second Charge Mortgage?

What is a Second Charge Mortgage?

Are you struggling to make ends meet in the face of the ongoing cost-of-living crisis? Are you looki...

Read More >
Consider international health insurance for your travels or relocation abroad

Consider international health insurance for your travels or relocation abroad

Protecting your health abroad might be important to you if you travel a lot, as it provides reassura...

Read More >
Your dream garden can be within reach – unlock the equity in your home

Your dream garden can be within reach – unlock the equity in your home

Spring is just around the corner, and with the promise of warmer days and blooming flowers, many hom...

Read More >
How to sell your home over Christmas

How to sell your home over Christmas

The festive season may not be the most conventional time to sell your home, but it can actually be a...

Read More >

What our clients say...

Latest Blog

How can a critical illness insurance policy help

Did you know that critical illness insurance can provide an extra security net? Waiting times for el...
Read More

Avoid NHS waiting times with private medical insurance

Did you know private health insurance can provide an essential safety net? You’ll be able to access...
Read More

Using Equity Release for Home Improvements or Care Needs

As you approach the ‘Golden Years’, are you considering whether to stay at home or move into care?...
Read More

Insuring a Heritage Property? What You Need to Know

There is a lot of love for those beautiful older houses, from the Tudor era to the popular Edwardian...
Read More

Remortgaging This Year? Fixed vs Variable Rates

Do you hold one of the fixed rate COVID-era mortgages coming to an end this year? Unfortunately, the...
Read More

How to restart your budget ahead of summer!

With the sun on our faces and the right approach to your end-of-summer spending, you can achieve you...
Read More

How to stay active through summer! (and how health insurance can help)

With the warmer weather approaching, it’s a great time to get active without hitting the gym! We’v...
Read More

What protection do you need in place to have a worry-free summer?

Summer’s here—time for garden BBQs, beach escapes, and maybe even a cheeky weekend away. But while...
Read More

Avoid these mistakes when buying insurance

General insurance—whether it’s for your car, home, travel, or health—is a crucial financial safet...
Read More

How to use equity release for a new garden renovation or a dream holiday

Using equity release to fund a garden renovation or a dream holiday can be a smart move if done wise...
Read More


Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

@ 2020 by Fairview Financial

Our Fees        

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.


  • Back to top