What is Health Insurance?
Health insurance, often called private medical insurance (PMI), is a type of policy designed to help cover the costs of private healthcare. It provides access to private consultations, diagnostic tests, and treatments, offering an alternative to relying solely on the National Health Service (NHS).
With health insurance, you pay a regular premium, and depending on the plan you choose, your insurer can cover the costs of certain private treatments if you experience a health issue.
This can mean shorter waiting times for appointments, flexibility in choosing treatment facilities, and the reassurance of high-quality care. Importantly, having private health insurance doesn’t replace or prevent access to the NHS—you can still use public healthcare services whenever needed.
Whether you’re an individual, a family, or a business owner looking to support employee wellbeing, health insurance can provide flexibility, convenience, and confidence that private medical care is within reach.
Note: We act as intermediaries introducing you to FCA-approved brokers who can help you compare and select suitable health insurance plans based on your needs. We are not regulated by the FCA ourselves.
Why Choose Us?
01
A Trusted Connection to the Right Brokers
We specialize in introducing you to FCA-approved health insurance brokers who provide tailored policies for individuals, families, and businesses. By working with experienced brokers, you can access advice and solutions that match your unique health needs.
02
Tailored Healthcare
Your health requirements are unique, so having the right broker means you’ll discover policies that suit your lifestyle. FCA-regulated brokers can help you explore a variety of plans with various levels of coverage to build the right fit for you.
03
Expert Guidance
Our role is to connect you with trusted health insurance brokers who can guide you through the process, ensuring a smooth experience while finding an appropriate policy tailored to your budget and priorities.
What Do Health Insurance Plans Cover?
Health insurance plans generally include coverage for a variety of medical needs, but it’s important to understand the exact scope of each policy. Some common features include:
- Outpatient consultations and diagnostic tests.
- Specialist care and treatments.
- Hospital stays for inpatient services.
- Mental health support, depending on policy terms.
Bear in mind that pre-existing conditions, routine check-ups, and certain treatments may not be covered under standard policies. FCA-regulated brokers can provide detailed advice on what each plan includes and exclusions that may apply.
Comprehensive Health Insurance Solutions
Individual and Family Cover
With the help of an FCA-approved broker, you can access flexible plans to cover what matters most. Whether it’s advanced diagnostics, hospital stays, or mental health services, a tailored plan ensures you and your loved ones have peace of mind.
Business Health Insurance
A healthy team is essential for a productive business. Through experienced brokers, you can explore health insurance solutions designed to support employee wellbeing, offering quick access to care when it’s needed most.
By offering health insurance benefits, you can contribute to employee satisfaction and overall productivity.
How Much Does Health Insurance Cost?
The cost of private health insurance can vary based on several factors, including:
- Outpatient consultations and diagnostic tests.
- Specialist care and treatments.
- Hospital stays for inpatient services.
- Mental health support, depending on policy terms.
By working with FCA-regulated brokers, you can explore flexible pricing options and ensure you only pay for the coverage you truly need. Whether you’re looking for basic coverage or premium benefits, these brokers specialize in finding policies suited to your circumstances.
Frequently Asked Questions (FAQs)
What is Health Insurance?
Health insurance is a policy that helps cover the cost of private medical treatment. It’s designed to assist with unexpected health issues and can include everything from consultations to hospital stays, depending on the policy you select
Can I Still Use the NHS if I Have Private Health Insurance?
Absolutely. Having private health insurance is an additional service and does not replace the care provided by the NHS. You can choose to use private options for specific treatments or rely on public healthcare whenever you prefer.
Are Your Services Regulated by the FCA?
No, we are not regulated by the Financial Conduct Authority (FCA). Our role is to act as intermediaries, introducing you to FCA-approved brokers for regulated advice and guidance on selecting the right health insurance policy.
How Does Health Insurance Work?
Typically, you start with a referral from your GP. Once your private treatment is authorized by your insurer, your policy covers the approved costs. The specific process can vary depending on the terms of your plan.
Secure Your Peace of Mind Today
We’re committed to helping connect you with the best health insurance brokers regulated by the FCA so you can discover policies tailored to your needs. Whether you’re considering health coverage for yourself, your family, or your employees, start by requesting a quote today.
Experience the benefits of private healthcare while maintaining access to NHS services. Our trusted brokers are here to guide you every step of the way.