Recent News & Blog Articles

Catch up on the latest blog articles and news from Lesson Moore…

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How to Switch Health Insurance.

How to Switch Health Insurance.

There are two underwriting methods by which you can move your health insurance from one provider to another and make substantial savings; Re-underwriting a new policy with full medical underwriting or a new moratorium and potentially giving up cover for existing...

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Older Blogs:

How to Switch Health Insurance.

There are two underwriting methods by which you can move your health insurance from one provider to another and make substantial savings; Re-underwriting a new policy with full medical underwriting or a new moratorium and potentially giving up cover for existing...
Read More

What is Medical History Disregarded (MHD) underwriting for private medical insurance?

With Medical History Disregarded (MHD), unlike Full Medical (http://bit.ly/2xmUInG) or Moratorium (http://bit.ly/2ixmN9h) underwriting previous medical history is totally ignored and pre-existing health conditions are covered. Sound good? Well, let’s explore how MHD...
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Is it better to sit or stand at your desk?

Sitting vs standing: Heart Rate Sitting       Heart Rate Standing    The peddlers of standing desks associate numerous life changing benefits for standing whilst at work and after several years of use the principal benefit for me is that I get less issues with my back...
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So, what is full medical underwriting for private medical insurance?

When you first take out a new health insurance policy either as an individual or by joining your employer’s scheme, there will have some sort of mechanism to exclude pre-existing medical conditions. Unless your employer's scheme has "medical history disregarded (MHD)"...
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4 Top Tips to help you to compare Health Insurance.

The regulator of the health insurance industry, the Financial Conduct Authority has mandated that insurers and private medical insurance brokers encourage consumers to shop around to get a better deal at each renewal. As health insurance is not a simple product how on...
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So, what is private medical insurance moratorium underwriting?

When you take out a new health insurance policy the insurer will have some sort of mechanism to exclude pre-existing medical conditions. This will probably be “Full Medical Underwriting” or a “New Moratorium”. Here we discuss the pros and cons of moratorium...
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Why use a Private Medical Insurance Broker?

Health insurance is complicated enough even for somebody working in the industry and buying through a good advisory company costs exactly the same as buying direct plus there’s a host of advantages; They’ll save you money. A good advisor will have access to insurers...
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Travel insurance for business owners with pre-existing medical conditions.

News release issued on behalf of Lesson Moore today (Thursday 27 July) by Julia Walton 07968 844986 Somerset broker expands to help business owners and older people get travel cover Somerset health insurance broker Lesson Moore have expanded their expertise after...
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2015 sees growth of demand for Private Health cover.

2015 saw the first growth in the number of private medical insurance subscribers since the credit crunch days of 2008 according to LaingBuisson. The figures show that the number of people covered either by insurance or via a health care trust for private medical...
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Relevant life insurance, so tax efficient that it’s surely too good to be true?

The old cliché that if it looks too good to be true that it usually is does not ring true for the tax benefits surrounding getting your business to pay for your life insurance. If you are paying life and critical illness premiums from your taxed income then there are...
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More News:

National recognition at the Health Insurance Awards.

Bristol-based Simon Milner was honoured on Thursday 19 October as a newcomer at a national awards ceremony for the health insurance industry. Shortlisted from a list of UK wide candidates Simon achieved the top three in the newcomer’s section at the Health Insurance...
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Joining forces with National Friendly and CS Healthcare.

New providers on board with Lesson Moore Two providers have recently joined forces with Lesson Moore.  We now have more options to help us provide advice and quote the best match for your health insurance. National Friendly are Bristol-based independent insurers who...
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Simon Milner shortlisted in the Health Insurance Awards.

I'm very pleased to announce that my long time colleague, Simon Milner has been shortlisted with two others for the award of "Best Individual Impact by a Newcomer" in the annual Health Insurance Awards. As a relatively new Private Medical Insurance broker this is a...
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Statement from the Association of Medical Insurers and Intermediaries regarding IPT parliamentary petition.

Having seen our IPT Petition brought to an early close as a result of the dissolution of Parliament in preparation for the General Election, and with the subsequent loss of all votes already cast in favour of our petition, we have taken some time to reflect upon our...
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The Association of Medical Insurers and Intermediaries (AMII) to halt Insurance Premium Tax (IPT) parliamentary petition until after the election.

  Martin Blain with BUPA CEO Alex Perry at the official launch of the petition. AMII General Secretary, Michael Payne has today confirmed that they will relaunch the petition calling for health insurance to be exempt from IPT after the general election. The...
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Aviva’s Trophy Room.

Our clients are obviously delighted after we've helped them to get better cover for a lower premium when they're renewing their health insurance however it's when making a claim that people most value the support of a good health insurance partner. Over the last year...
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Vitality Health Insurance reporting 30% growth in 2016.

If you watch any televised sport at the moment you can't fail to have noticed the huge amount that Vitality are spending building their activity based Health and Life insurance brand awareness. The promotion is clearly working as they are reporting a 30% growth in...
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2015 sees growth of demand for Private Health cover.

2015 saw the first growth in the number of private medical insurance subscribers since the credit crunch days of 2008 according to LaingBuisson. The figures show that the number of people covered either by insurance or via a health care trust for private medical...
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Team visit to Western Provident Association (WPA)

Lesson Moore director, Simon Milner outside WPA's Rivergate House HQ. We firmly believe that a deep understanding of an insurer's ethos can only be gained from a visit and we've just completed a team experience day at WPA's HQ. Our administrative team were shown the...
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2016 Health Insurance Awards

Our Director, Martin Blain, pictured here with Premier Choice's Kevin Ryan was happy to attend this year's Health Insurance awards even though we weren't nominated for a gong. It was a glitzy evening and yet again Aviva UK walked off with the award for the Health...
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Un-categorised Articles:

General & Medical Insurance review

  David Wildman, MD of G&M and Martin Blain, MD of Lesson Moore sharing a light moment. Branding holds immense power over all of us in ways that we sometimes don't really understand, when recommending a health policy from one of the big boys the mere mention...
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Congratulations to The Wild Beer Company, Mendip Business of the Year.

  We were finalists in the Mendip New Business of the Year awards. We had a fun evening making far too much noise and introducing ourselves to far too many people. No gong for us this year but we'll be back. The Mendip Awards piggy back on the Bath and West Show...
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It’s official! Cycle to work and live longer.

Those who know me well have experienced me “boring them to death” with the benefits of health insurance and cycling. My daily commute is 9 and a bit miles per day and I’m usually out with the Frome CTC at the weekend as well. Now there’s yet more proof of the benefits...
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It’s when claiming that people sometimes need the most support.

We always work hard to help our clients save money on their health insurance renewal premium but it's often when claiming that people need the most support. When you're making a claim your insurer will certainly know their terms and conditions better than you do and...
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“And the most popular health related employee benefit is…..”

Health cash plans are the most popular health related employee benefit ranked only behind pensions according to the 2017 Willis Towers Watson Employee Benefits and Wellbeing Index. So why are cash plans ranked so highly even above full blown medical insurance? Simon...
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Punitive Taxes on Private Medical Insurance (PMI) could tip the NHS over the edge.

Those fortunate enough to afford PMI don’t expect sympathy from the wider public at the idea that increases in Insurance Premium Tax (IPT) are going to push up premiums even further. But actually we think we should all care about the government’s favourite stealth tax...
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Good to meet you at the Bath Expo.

Martin Blain and the marvelous Faye Jackson had an active day at yesterday's Bath Expo. The historic Bath Assembly rooms are an excellent venue and as ever we talked to a lot of people. We've learnt from experience that to maximise the returns  you've got to "talk to...
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We’re joining the campaign against further rises in Insurance Taxes.

Despite no further increases to Insurance Premium Tax (IPT) in yesterday's Budget, we’re joining with our trade association, The Association of Medical Insurers and Intermediaries (AMII) to launch a campaign to raise public awareness about the impact of IPT on...
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If you’ve a dog should you bark yourself?

RANT! It appears that our regulator, the Financial Conduct Authority (FCA) does not understand private medical insurance. After a review of the household and motor insurance markets, the FCA has introduced new regulations that also apply at the renewal of medical...
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WPA win “Consumer Health Insurance Provider of the Year”.

Mutual insurer Western Provident Association (WPA) have won this year’s Moneyfacts Consumer Award for best “Health Insurance Provide”. This award is based on consumers' response to a survey of their experiences and is a real feather in WPA’s  cap. AXA PPP Healthcare...
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Careers:

Part time and full time Telesales Superstars required with immediate starts.

£8.50-£9.50/hour depending on experience plus commission. We’d expect you to earn £10-15 per hour. We require 2-3 part-time passionate telesales executives to join our small close-knit team in Westfield, (BA3 3BX). This is a challenging and rewarding role and a...
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Account Manager Health Insurance, salary £22k-£30k (depending on experience)

About us. We are specialists in helping businesses, individuals and families to save money on their health insurance premiums. Our goal is to help our clients to "pay less, get more" from the money they spend to give access to private health treatments. We usually...
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