Protection  

Get a private health check

Kathryn Knowles

Kathryn Knowles

Within a week a full written report providing a clear record of all the test results was available and bar my existing medical issues, it confirmed I am pretty healthy.

The second urine test with my GP came back clear and flagged that I should drink more water.

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The nurse’s health screening was a pleasant and informative experience that was conducted very professionally, and the knowledge of the nurse was exceptional. 

If I could, I would be fully screened, scanned and prodded every year, to make sure that everything is all right.

I do not think you can easily put a price on the peace of mind of knowing that your health is good and that you should hopefully be here for a long time to come.

My main tip from a client perspective is to book the earliest health screen of the day, as the fasting is a killer.

Adviser perspective

There are times when I need to explain to clients that they need to have a nurse’s health screen, and it can be a bit of an ‘urgh’ moment.

Often, it’s because people are wanting high levels of protection, that automatically triggers the requirement for medical evidence.

For those clients who work in high stress environments and have long working hours, possibly travelling quite a bit, the thought of having to attend a medical is not top of their things to do.

Other times, a health screen is triggered by a combination of the insurance wanted and a client’s medical history.

This is a conversation that needs to be dealt with sensitively.

Nobody wants to feel that they are not “normal” because of their health, or that they are being treated differently because of something they cannot control.

Either way, there are steps that can be made to make this easier for clients.

I think the key thing in these circumstances, is to make sure that the client knows that they are not alone, they have not been singled out as needing a health screen, this is a standard process for their situation.

The next thing is to explain how the health screen can be arranged to fit into their life, their work and family time, so that it does not impact on their usual routine; so, an hour at lunchtime can be perfect as it does not cut into their work time.

The main point to make from an underwriting context, is that this is essentially a free health check-up.

It may seem like an annoyance, but the client is actually going to get a complete rundown of their health, I can’t imagine many people turning that opportunity down. It’s all about how the screening is presented to them.