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If you have private medical insurance you don't have to wait months to be treated on the NHS. You pay a monthly or yearly premium in exchange for cover for the cost of private medical treatment for curable short-term illnesses or injuries, otherwise known as acute conditions.

A long list of illnesses and conditions aren't covered by private medical insurance, including drug abuse, self-inflicted injuries, pregnancy, cosmetic surgery, and organ transplants. For a full list of exclusions, check the insurer's key features leaflet. Treatment by accident and emergency isn't covered under private medical insurance as private hospitals don't have the facilities to cope with it.

Accounting for the cost

Private Medical Insurance can be extremely expensive and you should be prepared for your premium to rise each year, usually above the rate of general inflation. The cost is the result of the increasing number of people claiming for private medical treatment and the increasingly sophisticated and expensive procedures available. According to the Association of British Insurers (ABI) a hip replacement - a common procedure - can cost around 7,000, for example.

The number of claims you make doesn't influence your premiums, unless your cover includes a no-claims discount. However, your premiums will increase as you get older because you are more likely to make a claim. A 45-year-old should expect to pay 25 per cent higher premiums than a 35-year-old, according to the ABI. A 65-year-old would pay more than twice the premium of a 45-year-old.

Your premiums depend on your level of cover: A limited policy costs less than a comprehensive one. Most schemes cover in-patient and day-patient treatment, but not all offer outpatient treatment. Consider how important this is to you when choosing a policy.

Declaring your medical history

The most common type of policy requires you to fill out a form with details of your medical history. Your doctor may be contacted for further information and you won't be covered for pre-existing conditions.

An alternative to declaring your medical history is the moratorium option, which is offered by a number of insurers. You don't have to fill in a medical history form, but if treatment for a pre-existing condition (something you suffered from in the past five years) is required within two years after the policy starts, the costs are not covered.

It is down to you to declare any medical conditions you have suffered from in the past five years if you don't opt for the moratorium. Resist the temptation to conceal this information, as the insurer may refuse to pay out if you make a claim.

If you've got friends or family who are financially literate, you could ask them for help. But unless they are experienced advisers themselves, and know all the ins and outs of your particular personal finance circumstances, they are not in a position to recommend the best products to you. For that you need a qualified private medical insurance adviser.

Here's the scenario: You are new to the world of online money-making and you want to find the best, quickest way to learn the ins and outs of the Internet business. You have two primary choices for educating yourself-money making themed e-Books and online money making programs. Which is best? Unfortunately, there isn't a cut and dry answer. Both e-Books and money-making programs have advantages and disadvantages, but they are both plausible methods for learning what you need to know to get your online business going.

Everyone is worried about getting scammed online. While some people think all e-Books are garbage (many of these people haven't even purchased one before), others don't trust online programs that promise monetary success. Yes, there are scams online, but there are also scams at your local super-store.

The key to avoiding scams-which is basically getting ripped off or not getting the value you expected from a purchased product-is to do your research. You need to know as much as you possibly can about a product before purchasing it-much like when you are purchasing other products in regular off-line stores. This goes for e-books, online programs.... or electronics!

Visit free online business forums, read blogs, check out online reviews of e-Books and money-making products to find out which ones are getting the rave reviews and which ones are sinking to the bottom of the pile. Once you know you have researched the item thoroughly, you can know you are going into the purchase as informed as possible. Right away, you are increasing your chances for satisfaction with the product.

Another important factor to remember is that you have to put in the work to succeed. A quick search for online money making e-books reveals result after result of "Easy Money!" and "Make Money Fast!" Yes, there are people who seemingly make money overnight, but they are definitely the exceptions. Typically, it takes months to learn the ropes through an e-book or other program before you start to see a real return on investment. If you stick with it, you'll see it. You just can't go into it thinking the money will come automatically and with little work.

If you are trying to decide between e-books and online money-making programs, below are some highlights of each to help you make your decision:

Money-Making E-books

It's easy to find reviews of e-books online. A little research will help you to find out which ones have helped people most.

E-books typically have all of the information organized and contain case studies to help you formulate a step-by-step plan for success.

Many of these e-books are the same, which means you really shouldn't have to purchase more than one money-making e-book. Just put the suggested methods and plans to work and stick with it to see results.

Many e-books come with bonuses, so look around various sites and through different affiliate marketers to find the best deals. There are usually plenty to choose from, which gives you a chance to get the best value for your investment.

Money-Making Programs

The category of these programs is so broad that there is probably something that meets your interests and goals.

If you are great at selling and recruiting, there are a plethora of programs from which to choose.

More and more programs are lowering their fees to attract members. The key is to do your research, find the well-reviewed ones, and then register with the site to receive e-mail communication/newsletter. Then, in no time, you will receive great deals and discounts enticing you to join.

Most money-making programs offer continuous specials and bonus opportunities exclusively for members.

Many programs offer opportunities for coaching or other forms of business assistance through community forums.

It's really all about the research. Educate yourself on the pros and cons of different e-books and money making programs to find out which ones fit in with your business goals. Then, don't be afraid of hard work to make it happen. Success will not just happen once you have purchased the e-book or joined a program. But if you work hard and apply the methods, you will likely experience rewarding online business success.

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