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Whether you're reading the newspaper, listening to the radio, or watching the TV you can almost guarantee that the topic of health and wellness will come up. It's not surprising considering that GPs are reporting huge increases in obesity, diabetes and mental illness diagnoses.

According to the Government's Foresight Think Tank, by 2050, 60% of men, 50% of women and 25% of children in Britain will be clinically obese, with related health problems costing more than £45 billion a year.

The nation's healthcare professionals are predicting that a time bomb is ticking for the UK's health and the strain on the NHS, let alone on industry and therefore the UK economy, will be immense.

These stark warnings are certainly prompting change. In her report – Working for a Healthier Tomorrow - Dame Carol Black, the National Director for Health and Work, proposed a radical overhaul of the system that will see the demise of the sick-note and the rise of the 'fit-note', which will spell out what employees can do rather than what they can't. The report follows the Government's wider Health Work and Wellbeing strategy launched in 2005.

For businesses, the move is towards “wellness management” and how it can play a key role in controlling the cost of employee absence and the impact of lost productivity on the bottom line. For us as an individuals, the definition of 'wellbeing' is often linked to personal happiness – if we look good and feel good about ourselves, this gives us a sense of wellbeing.

Whilst the definition of wellness may differ, what is clear is that it is an increasingly important focus for Government and GP's alike and for the individual now is the time to be thinking about taking steps to protect your own health – private healthcare may well be the solution.

Whilst traditional private medical insurance products were designed to provide benefit for acute medical conditions once they had arisen, nowadays many providers are offering products that include new and more immediate benefits. Services such as medical and stress counselling helplines, online health management portals and gym membership are now typically offered within a health insurance policy and suggest that health insurance can play a key role in wellness management.

No two medical insurance plans are the same which is why it is vital to spend time researching the market and getting good advice before you buy. You should consider the following:

- How much can you afford each month?

- What size excess can you afford?

- Who do you want to cover? Just yourself or your spouse and other family members?

- How do you want the plan underwritten – full underwritten or on a moratorium basis?

- How will you pay your premiums? - Find out what the insurer's premiums will be as you get older.

- How much flexibility is there? Can you switch plans within the insurer's range?

- Do you want a policy that rewards you if you don't claim?

There's a wealth of information available, including Aviva's health website: www.aviva.co.uk/health

Dr Douglas Wright, Aviva

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