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Working principle Health Insurance plans

Picking a health insurance plan can be an off-putting task. And yet, as more and more people switch from employer-purchased health insurance to individually-purchased health insurance, it becomes even more important to become an informed consumer. As a premier health insurance firm in UK, we, Positive health insurance, want to spread our services at every corner. We believe in hard work which comes out through helping people. Let’s see how our health plans are working.

Working principle Health Insurance plans

Health insurance coverage is on the rise in UK, let’s first covers how it works. Basically, it is a type of policy an individual purchases for himself and/or his family - independent of employment. As of 2016, all health plans cover you regardless of health conditions and must cover minimum essential health benefits. 

While plans have become more consistent since 2016, plans are still not one-size-fits-all. This is a bonus, as you can customize your health plan to fit your financial and physical condition needs.
As you evaluate health insurance plans, consider these factors:
o Association of providers - are your chosen doctors and medical centers “in-group?”
o Treatment level - how much will insurance pay when you need medical care, and how much will you be responsible for? 
o Insurance company - how is the company’s tracking record, online tools, and customer service?
o Premium tax credits can make our plans even more affordable for many UK. 

For example, 85 % of people with us coverage are receiving a tax credit. The average tax credit is £272 per month, making the cost of coverage under £100 for 80% of policyholders. You are eligible for a tax credit if your earnings fall between certain income limits and you are not offered fit, affordable coverage through an employer. 
If you and your family are eligible for a premium tax credit, you will want to purchase a plan available, then we are here. 
If you earn above the income limits, however, shop around. Research plans at our firm as well as online and through a broker to find the best plan.
The final tip is to understand the four factors influencing cost of a health insurance plan. 

The price of your policy will depend on the specific carrier and policy you select, eligibility for premium tax credits, as well as these four factors:
Plan rating area as per your location
Number of People in Your Family

You choose any plan as per the above rules that how we work, how the plan is structured, premium tax credits, and cost. By understanding these guidelines, you’re well on your way to picking a plan that meets your fiscal and health needs. An important query is what you pay for health insurance? So, the answer is you’ll usually pay a premium every month for health coverage, and you may also have to meet a deductible each year. A deductible is the amount you owe for covered health care services before your health insurance or plan begins to pay.


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Contact Info

Positive Health Insurance enjoys close working relationships with some of the largest private health insurance providers and employee benefit intermediaries.


5a Watkin Road, Wembley, HA9 0NL


0203-869-4900 (UK)
Open 9am–6pm Mon–Fri



Positive Health Insurance are an appointed representatives of Pier Insurance Brokers Limited, FCA registration Number 312191, which is authorised and regulated by the Financial Conduct Authority
Copyright © 2016 Positive Health Insurance. All rights reserved.