My son (in his 40s) is looking (like many right now I'd guess) to get Health Insurance. I'm involved in that I'll willingly pay for it while still around. I know general principles of it, sort of thing it does and doesn't cover.
WHICH rundown says "Private health insurance is a complicated product so it's best to speak to a broker, especially if you have had medical problems or need specialist cover for certain illnesses.". Sounds right to me. (There is one conveniently located, not a chichi address but with what looks like qualified staff, and established there for a few decades).
Son disinclined, has looked at one or two insurance companies, I haven't, says it is all pretty straightforward and clear.
OH, who has a suspicious mind, says yah, brokers get commission on their sales, they will do their own interests not yours, so she is against.
I wondered what are MSE members' relevant opinions and experiences bearing on this?
Secondarily I also wondered as this is a gift, if in some way the monies can be excluded from IHT?