Pesonal health insurence ?

sam51

hi all, i have insurence policys with combined insurence of america.which i pay about a 1000 pound a year,now been self employed i know i have to have some cover.but i thunk im paying too much,and am finding it hard to pay these.i pay 190 pound per year for accident cover,which i get 120 pound per night for hospitalisation,get nothing when i come out and still not able to work.i pay 320 pound for sickness ie broken bones.nothing while in hospital.but 400 pound per month for disabilty.i pay 360pounds per year for another sickness policy,ie cancer,heart attack,and other serious illnesses.i get nothing while in hospital,or getting better?i think i get one of payments of 10000 pound for for heart attacks and strokes.and
20000 pound for cancer.can some body please give me some advice,was i ripped off by there sales reps.?is there something more affordable,please help, thank you sam.

sam51

anyone please, must be someone.

dunstonh

can you confirm the type of insurance it is.

Private medical insurance
Permanent health insurance
personal accident insurance

was i ripped off by there sales reps.?

Don't know. You were there, not us. However, CICoA plans tend to be low quality and designed to be cheap and cheerful and sold door to door.

sam51

dunstonh wrote: »

can you confirm the type of insurance it is.

Private medical insurance
permanent health insurance
personal accident insurance



don't know. You were there, not us. However, cicoa plans tend to be low quality and designed to be cheap and cheerful and sold door to door.

i think they are personal accident plan
critical five plan.
Sickness income plan.

dunstonh

Its a bit of a hybrid scheme that tries to be a bit of everything but doesnt really give you much of anything.