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Health-on-Line Adds More Choice To Customers With New Options


Health-on-Line, the online Private Medical Insurance (PMI) company, has recently announced the addition of 2 new Options to their modular product, Personal Choice, giving consumers further flexibility when choosing the right level of health insurance.

Mike Dalby, Director of Health-on-Line, commented: “Health-on-Line were the innovators of flexibility, and introduced modular policies to the health insurance market nearly 10 years ago. Since then, many things have changed in the financial services industry and we have always aimed to develop our product in line with the needs of the consumer.”

“We recognise that many individuals value the protection that health insurance can offer but are conscious of existing financial commitments. That is why we have introduced 2 new options that will enable individuals to have a direct impact on the premium they pay whilst continuing to offer an excellent level of cover.”

The design of Health-on-Line’s modular product, Personal Choice, allows consumers to tailor a plan to meet their needs by adding Options to the core benefits known as Essential Cover. This core benefit covers some of the main costs associated with admittance to hospital and on its own constitutes a basic PMI plan, if a consumer wishes to add other Options such as out-patient cover or therapies for example, they are able to. Each Option attracts a specific premium load thus allowing the consumer to tailor a plan to their needs or budget.

The introduction of Essential Extra provides cover for a limited number of out-patient consultations and unlimited diagnostic tests and attracts a lower premium loading then the alternative out-patient options. The 6 Week Option offers a substantial discount on the basis that the policyholder uses the NHS for in-patient, day-patient and out-patient surgical procedures where the treatment can be delivered within 6 weeks. The introduction of these options will see Health-on-Line emerge stronger in the budget marketplace and provide consumers with a real alternative to cancelling their health insurance altogether.


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