Contents 3 FEATURES AND ANALYSIS 12 COVER STORY
NHS MENTAL HEALTH WAITING TIMES
An exclusive report by Madeleine Davies shows some progress around access to NHS treatment for depression, but also uncovers a postcode lottery when it comes to waiting times
NEWS
6-11 All the latest news from around the industry, including the latest on the HI Awards, reaction to the Dilnot report on long-term care and more views on the Health Insurance-led debate on SME PMI commission levels
REGULARS 21 FEATURE
CASH PLANS – ARE VOLUNTARY SCHEMES WORTH THE EFFORT? As budget-conscious employers look to trim their healthcare costs, some are looking to voluntary cash plan schemes as an alternative. Sam Barrett asks what this might mean for intermediaries’ income.
14 Comment Tony Levene explains why “bad apple” doctors have the potential to undermine the protection industry’s reputation.
15 Appointments and people moves Who’s going where – and why.
25 FEATURE
INTERNATIONAL PMI – COUNTING THE COST OF MEDICAL EVACUATION Medical evacuations are one of the main expenses faced by international private medical insurance providers – and therefore their clients. Peter Pallot reports on how some insurers are taking steps to keep a lid more firmly on costs.
16 Comment Marcia Reid reflects on NHS reform and shares some tips on how health insurance professionals can communicate more effectively.
18 The HI Profile BHSF is “much more than a cash plan provider”, according to sales & marketing director Brian Hall (pictured). Health Insurance editor David Sawers met him to find out more about his plans for flexible benefits and beyond.
29 FEATURE
INDIVIDUAL INCOME PROTECTION – THE ADL DEBATE While “activities of daily living” might appear to be one way of making IP more affordable, some advisers complain that the concept devalues the product and makes it difficult for clients to make successful claims. Emily Borkowska investigates.
32 Product reviews Health Insurance technical editor Andy Couchman takes an independent view of a new flexible new private medical insurance (PMI) plan, changes to a popular international PMI offering and the launch of a cash plan with a difference.
35 Last word Peter Le Beau MBE tackles long-term care.
Exeter Family Friendly is a trading name of Exeter Friendly Society Limited, which is authorised and regulated by the FSA
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