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Planning Retirement Online

Your wellbeing in retirement

As you approach retirement, you are likely to be thinking about your health and wellbeing more than ever. You’ve worked hard over the years and it’s important that you stay well, to enjoy your new found freedom.

Did you know?

The NHS target for treating a non-emergency procedure such as a knee or hip operation is 18 weeks?
Correct as at June 2014

As well as living a healthy lifestyle, there are many plans and policies that you can put in place to give you added protection of your health and wellbeing. Here’s a handy overview of the choices available. If after reading this, you want further information or a quote specific to your needs, please contact healthcare specialists, Jelf, who are experts in this field and will be delighted to help you. Click here to read our simple tips to improve your wellbeing.

Private Medical Insurance (PMI)

You may well have had Private Medical Insurance (PMI), or health insurance as it is also known, as one of your company paid benefits. Or, indeed you may have paid for this yourself.

PMI is simply designed to provide fast access to consultations, diagnosis and if required, treatment. It can work alongside or instead of the service provided by the NHS, depending on the level of cover you choose.

Some of the potential benefits include:

  • Reduced waiting times for consultations, diagnosis and treatment
  • Peace of mind that you’ll be treated in a private hospital, with modern facilities and advanced technology. In some cases, you will get access to treatments and drugs that aren’t available on the NHS
  • Choice over who will supervise your medical treatment and which hospital you wish to visit
  • Access to a modern private room, with a television, phone and en-suite facilities
  • Flexibility over what level of cover you require – for example, you can pay for comprehensive cover, or reduce costs by limiting the hospitals you can use to a selected few

Taking out new cover

If you haven’t previously had cover, or had existing cover and not used it, you could consider taking out a new plan. Be mindful that any pre-existing symptoms, or conditions that you’ve been treated for may be excluded from the cover, in which case you won’t be able to claim for these and any related conditions.

Continuing your cover

If you have an existing PMI plan, which you have used, or have developed a new condition since starting your cover, you may well benefit from continuing cover with your existing insurer. However, if you want to retain cover that was paid for by your company, please be aware that insurers work to strict timeframes, so you need to check this quickly.

Most importantly, there is plenty of choice on the market, so it’s important to choose the best plan for your needs and your budget.

Dental Insurance

There are probably a lot of things you'd rather do than go to the dentist. But your teeth and gums are the gateway to good health.

Most dental insurance policies reimburse you for dental treatment up to a set limit. So, even if you have an existing dentist, as long as they are recognised by your insurer, you could continue using them and claim back all or part of the cost.

Dental Insurances usually allow you to claim for:

  • Preventative care (cleaning, routine x-rays and more)
  • Basic care (fillings, basic restorative work and more)
  • Major care (crowns, bridges, root canals and more)

Health cash plan

A health cash plan helps you budget for the cost of a number of healthcare professionals, including, but not limited to your dentist, optician and physiotherapist. Whether it's a check-up, treatment or an emergency, they'll give you cash back, up to annual limits.

There are many levels of cover to choose from and cover is immediate on most benefits, so you can claim for a visit to a healthcare professional straight away. Claims are also paid straight into your bank account so you are reimbursed quickly.

Health screening

Health screens aim to keep you healthy by identifying areas of concern before they become medical issues. Whether you're worried about your health or feel great and want to stay that way, having a health screen assessment will provide the peace of mind and information you need to take control of your health.

Health screens are designed to address the concerns of people at different ages and stages in life, allowing you to choose the level of screen that best suits your circumstances.

A wide range of assessments are available on the market, but they all combine state of the art technology with specialist expertise. And after your screen, you will receive a comprehensive review from a GP and a physiologist, as well as an action plan to help you get more out of life.

Want to find out more?

If you’d like to find out more about any of these options, please contact Jelf, an award winning specialist healthcare adviser. They are experts in this field and would be delighted to help secure the future wellbeing of you and your family.


Call: 0333 220 4164 (Mon-Fri)

Alternatively fill in this form and a Jelf Advisor will contact you by phone or email.

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