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?

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Thanks for listening.

In this episode my guest Sarah Washbourn of Yellowbelly Photography joins me for an in depth discussion on her trials and tribulations in running.

Sarah shares how, why and when she started running, from personal family tragedy and alcohol issues, to physical and emotional challenges.

Her honest and open discussion is entertaining and at at times possibly even a cautionary account of how to balance exercise with work, rest and family priorities., all of which culminated in finally securing an entry to the 2026 London Marathon.

We also get to here about her passion for pictures, leading to an award winning profession in photography, covering real estate, pets, weddings and events.

Sarah has over fifteen years of photography experience, in the newspaper industry and now licensed to fly drones to capture incredible pictures of properties for sale or commercial buildings.

My thanks goes out to Sarah for joining me on the podcast and I wish her all the best with her Marathon event and photography services.

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In this short discussion I look at why its important to self assess, regarding your poor health habits.

During client personal training consultations and subsequent one to one exercise programming, we cover the clients habits from alcohol consumption and excess calories, to sedentary lifestyles and pharmaceutical dependency.

If you can identify which long term bad habits are halting your progression to a healthier body, its now easier to achieve both short and long term goals, as you have essentially decluttered your mind, body, workplace or home from the offending articles and influences.

Think of it like selling your home....we declutter, clean and finally present it to perspective buyers, in the hope of achieving the best sale price possible.

Now think of it in a body composition sense, we decide to get fit and healthy, then we empty our kitchen of processed foods and fat / sugar laden snacks, then we work on our physiological presentation.

Remember, a long term (chronic) habit has taken a long time to develop, of which its highly likely to take months, if not years to completely stop and never return to.

This is part 1 of 3 episodes I'll be delivering on the subject of habits, so stay tuned for 2 more to come soon.

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