Private Medical Insurance

Health matters and we know that sometimes you need quick access to convenient healthcare.

Health insurance when you and your family need it

Your health matters and we know that sometimes you need quick access to convenient healthcare. That’s anything from diagnostic tests, specialist consultations, treatment procedures, and even hospital stays, ensuring that your healthcare needs are met.


Whether you are new to private health insurance or looking to switch providers to a better deal, we offer a fully supported application process and guide you step by step through to completion and your plan in place.

What can you get cover for?

Many providers will offer cover for conditions and treatments such as*:


  • Cancer treatment and after treatment care
  • In-patient or day-patient treatment of acute conditions
  • Out-patient treatment of acute conditions
  • Virtual GP services
  • Diagnostic tests and consultations
  • Other treatments and therapies
  • Mental health support after treatment


    *additional costs may apply

Six ways Private Healthcare can benefit you…

  • Offers you a quicker route to diagnosis and treatment. Giving peace of mind that if you or your family are ever unwell and need professional medical help, you’ll get access to the care you need.
  • Faster access to treatment can also mean less time off work due to sickness.
  • Be treated by experts in their field. With possible access to treatments and drugs not available on the NHS.
  • You can usually choose a specialist and hospital that suits you. Or you may prefer for your insurance provider to pick one for you.
  • Helps keep you healthy and happy. So, you and your family can keep living your best lives.
  • Easily tailor your plan to fit your needs and budget by choosing the cover level and benefits. With the choice of a number of cover-enhancing options.

More about Private Medical Insurance?

  • Pre-existing Medical Conditions
  • Chronic Conditions
  • Emergency Services
  • Normal Pregnancy


Your insurer will typically not cover ‘chronic conditions’. These are generally defined as health problems requiring ongoing management. This management can involve regular check-ups, treatment to control symptoms, rehabilitation services, and may be long-term or even lifelong due to the absence of a cure or high chance of recurrence.


And also, conditions you have before you buy your health insurance plan.

The cost of any health insurance plan can vary, depending on a number of factors. Typically there are several factors, including your age, location, and the benefits you choose. 


  • Age
  • Location
  • Outpatient cover
  • Hospital Lists
  • Excess
  • Additional extras

Your private health insurance plan will likely offer you different tiers of hospital coverage.


The top tier typically includes access to the most prestigious hospitals and facilities, often concentrated in Central London.


These facilities tend to be the most expensive, so you’ll pay a higher premium for this coverage.


Lower tiers may exclude Central London hospitals but still provide access to a network of private hospitals nationwide.

An excess refers to the amount you are responsible for paying as part of a claim. It’s typically set per person on the policy and applies each year.


For instance, with a £100 excess, you would need to cover the first £100 of medical treatment costs within a policy year

A crucial factor when selecting your Private Medical Insurance plan is the medical underwriting approach. When taking out a personal policy you have a couple of options.


Moratorium Underwriting

The most common type of medical underwriting for Health Insurance. Rather than asking about your medical history in full it simply excludes most pre-existing medical conditions you’ve suffered from over a set period, typically the past 5 years.


Full Medical Underwriting

You will need to disclose your entire medical history to the insurer from the start. Your health will be considered when determining coverage. Any exclusions for pre-existing medical conditions will be clearly outlined from the start of your policy.

A pre-existing condition is any condition you suffer from prior to taking out the policy. This usually means it won’t be covered by your plan, either for a specific amount of time or for as long as you have the policy.

Experience you can trust

Speak to us to discuss your requirements and the options available, book a call (no obligation) to speak to one of our advisers here.