Combined Life and Health Insurance

Katkaland

Hello, I am looking for under-50's insurance with no medical conditions and in excellent health (age between 40-50). Could anyone help please, and possibly recommend a few insurance copanies that will provide health insurance and life insurance in all-in-one combined, that also tracks inflation so the payout will not be less than inflation and thereby will be reasonable? Thank you. I am also interested in a type of insurance where if later in life an illness develops if I opt for private treatment my NHS treatments will not be negatively affected, as I heard this can often be an issue and very badly affect those in need. Thank you for your kind help. 

dunstonh

This is the complaints/missale section.   You should post in the insurance section if you want a greater range of responses.

Could anyone help please, and possibly recommend a few insurance copanies that will provide health insurance and life insurance in all-in-one combined

Depending on what you mean by health insurance, it is unlikely to be available or not many providers available or a compromise.

 I am also interested in a type of insurance where if later in life an illness develops if I opt for private treatment my NHS treatments will not be negatively affected, 

That is known as private medical insurance.  (health insurance is used in the "permanent health insurance" product and that is the main form of income protection).

You are almost certainly going to be best served wtih a standalone life assurance policy and a standalone PMI policy and not trying to combine them, even if such a thing exists.

MSE_ForumTeam5

We've moved this to the main Insurance board.

DullGreyGuy

Katkaland said:

Hello, I am looking for under-50's insurance with no medical conditions and in excellent health (age between 40-50). Could anyone help please, and possibly recommend a few insurance copanies that will provide health insurance and life insurance in all-in-one combined, that also tracks inflation so the payout will not be less than inflation and thereby will be reasonable? Thank you. I am also interested in a type of insurance where if later in life an illness develops if I opt for private treatment my NHS treatments will not be negatively affected, as I heard this can often be an issue and very badly affect those in need. Thank you for your kind help. 

As above, what do you mean by "health"?

Critical Illness and Life are often bundled together if thats what you mean by health?

Permanent Health Insurance (aka income protection) and life typically arent 

You can index the sums insured, obviously the premiums become indexed too.

The third class of insurance is private medical insurance which pays for private treatments however be aware this is an annual policy/premium and so will increase each year compounding inflation with your increasing age.