BEGINNERS GUIDE
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Principal content
Long-term care
Elderly people should be guaranteed a minimum level of state-funded social care, according to a review of the UK’s social care by government adviser Sir Derek Wanless earlier this month.
Genetic testing
Interest in genetic testing is increasing as more people look to predict whether they are predisposed to inherit a serious disease from a parent or grandparent.
Private medical insurance
If you don’t want to rely on the NHS, you can join the 7.5m Britons with private medical insurance – but it won’t cover everything.
Financial services compensation
If you are an investor who has a complaint about or a claim against a financial services company, it is wise to know something about how the Financial Services Compensation Scheme works.
Travel insurance
Holidaymakers waste millions of pounds each year buying travel insurance from travel agents rather than shopping for more competitively priced and comprehensive cover.
Critical illness insurance
Critical illness is a protection insurance which has suffered poor publicity in recent years, largely because of high profile spats between policyholders and insurers over rejected claims. But with rates of cancer and other serious illnesses on the increase, the industry says this cover has a specific role to play in the suite of protection products on the market.
PPI
The number of consumers with payment protection insurance policies has risen to more than 15m as borrowers have taken precautions against lifestyle changes that could threaten their ability to repay loans. But the Financial Services Authority last week called for “urgent action” by providers of these policies to improve compliance after an investigation highlighted frequent poor selling practices.
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