Fitness Trumps Your Health Insurance Policy

In this short episode I discuss the current high rate of private health insurance policy cancellations and why it's advisable to save the monthly figure required in your own personal bank instead.

Add to this a lifelong exercise routine and good nutrition and you will effectively be engineering your own private health insurance policy.

Doing this leads to increasing your quality of life and decreasing the possibility of poor physical and mental health, which left unchecked will almost certainly speed up the dreaded call to your health insurance provider.

Often health insurance providers find loopholes or micro print T&Cs to reduce the expected pay out, or in some cases not pay out anything, with ambiguous emails explaining why you don't qualify for any form of renumeration.

The best you can hope for given the fact that these providers are in the business of collecting money from you and not giving it back, is paying an excess sum upfront, when making a claim, followed by a lower payout than expected.

So...what to do. Consider saving the monthly figure yourself in a separate easy access bank account, which could be used to pay for private medical attention, without the stress and uncertainty of applying for insurance policy pay outs.

Here's an equation based on current 2026 policy figures.

Aged 50, a monthly payment is approximately £92, or £1104 annually, or £11,040 over 10 years. Factor in increased amounts demanded by your health insurance provider every year or two and you are now looking at enough money to invest in a personal trainer, physical therapist and or a dietician.

This alternative way of insuring yourself can be far more beneficial, as you will be educated in personal self care, by way of weight management, musculoskeletal strength, cardiovascular fitness and mobility / flexibility. These are elements of physical health you can enjoy into your 80s or even 90s, given a regular exercise habit and adequate nutrition.

Something to think about folks?

Listen here or on Spotify and Amazon Music. Watch it on YouTube and feel free to comment on this or any of the previous episodes.

Thanks for listening.