How much money do you lose for every day that you are not working?

As a contractor, once you fall sick it is vital that you are able to get better and return to work as soon as possible. Why? Because for every minute that you are not working, you are losing money.

In November last year, more than 200,000 people were waiting longer than six weeks for treatment on the NHS. That’s the equivalent of between 25-30 days paid work for the average contractor, let alone the rest and recuperation time once treatment has been received.

Imagine what your clients would say if you were off ‘work’ for more than a couple of days. Even the most understanding of clients would start to get a little frustrated after a week or so. But what would happen if you couldn’t return to work for months? The chances are, your contract would be terminated and you’d be forced to live off your savings until you were back on your feet.

Unlike traditional employees, who enjoy the benefits of sick pay and discretionary leave, when a contractor falls ill the clock starts ticking immediately, which is why you need a back up plan.

ACT NOW – contact us today for a FREE consultation. We have helped hundreds of contractors set-up Private Medical Insurance policies that have allowed them to leapfrog NHS waiting lists, receive high quality treatment and get back to work as soon as possible. But don’t just take our word for it, here’s what some of our customers are saying about the services we provide:

“It’s important that us contractors get ourselves fully insured – C&F Mortgages offer a one-stop shop for all our needs.” Jacob Linfield

“It’s a great service – full stop.” Sean Pardew

“Everything that I look for in a service. Very quick, very easy and with no undue fuss. They clearly understand the freelance community.” Marcus Graham

Who else wants a choice of doctor, personal care, a private room, and above all…..no queues?

Advances in healthcare mean that doctors can now treat more conditions than ever before. But with new procedures, diagnostic methods, drugs and technology comes an inevitable increase in medical costs. Coping with this demand is a growing problem for the NHS which is why so many people are now turning to Private Medical Insurance to protect both themselves and their loved ones.

The first step in obtaining Private Medical Insurance is to find a provider that offers the best policy for your money. Once this is set up, your NHS GP will refer you or a member of your family for specialist treatment as and when this is required.

Your insurance provider with arrange the appropriate medical tests and hospital treatment once you have been recommended for a specialist visit.  Your scope of cover will be determined by the insurance provider you signed up with and is based on the amount that you spend on the policy.

Private Medical Insurance Policies:

There are three main types of Private Medical Insurance available.  These are:

• Comprehensive policies – these are the most popular of all Private Medical Insurance policies. They offer the standard amount of coverage within the three types. This policy covers hospital stays, surgery, nursing and anaesthetist costs, outpatient and day-care treatment linked to hospital stays and X-rays.
• Low cost policies – these provide comprehensive cover only on the condition that the treatment is not available from the NHS within six weeks. As this policy is one set out on a budget, it will usually not include complementary therapy, physiotherapy or outpatient treatments.
• Premium policies – these policies offer everything covered within the comprehensive package and a little bit more. The kind of additions included in this policy are perks like cover overseas, a hospital cash plan, critical illness cover and dental cover.

On the whole, people opt for Private Medical Insurance for three main reasons. 1. higher standards of healthcare, 2. better facilities and 3. shorter waiting times to see specialists. But with so many policies out there, how do you know which is best for you? As a contractor, your healthcare requirements may differ from the average employee, which is why our specialist advisors can show you the full range of coverage that is available.

Thanks for taking the time to read this page. We look forward to working with you.

Sincerely,

The C&F Mortgages Team

p.s. Just think! You’ll never again have to wait 6 weeks for a hospital appointment or lose money because you’re not well enough to work. Fill out your details below, and we’ll be in touch shortly.

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