The health care premium that helps insurance companies turn a nice profit

If we are truthful, we all know politicians are on a different planet and we have become a very greedy nation money-wise. Any excuse to extract extra cash from us is grabbed.

It was announced in Sunday papers how few of us have savings. This goes directly back to the benefit system.

I, like millions of others, worked and paid taxes for over 40 years.

I saved all that time. In my early 60s I had a stroke and due to the nature of my work was unable to carry on.

I was left with a total income of £115pw state pension – well below the poverty line.

I needed help but there was none as I owned my own home, luckily, and the only thing that saved me was I had no mortgage.

But I had equity release which was horrendous and had to be paid back, and eventually I got some help.

I had to prove I had no money and cannot now save as I am only allowed to have a set amount in the bank, so am stuck.

On the subject of money, I have an insurance where if I have to wait more than six weeks for a medical procedure, I can go private.

So imagine my reaction when I went to access my insurance, I was told by the insurance company I had to pay another £700 plus and a £200 excess to pay.

I was given about three different reasons for this.

It would cost almost as much as the policy. I was told by a company employee ‘well, we have to make a profit’!