If you have a question, please check out the FAQs on this page, or get in touch with us directly and we’d be happy to assist.

What is Private Medical Insurance?

Private Medical Insurance (PMI), often called health insurance or healthcare insurance, is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. Private Medical Insurance (PMI) provides you with prompt access to cover the costs of medical investigations and treatment for conditions that arise after the policy has started. PMI is available at a range of different levels of cover at various premiums designed to meet the needs of our customers.

Why should I buy Private Medical Insurance?

There is no question that the NHS provides a wonderful service, however it is often unable to offer some services as quickly as you may like. Equally, some treatments and drugs are also unavailable via the NHS. This is where PMI becomes invaluable by providing prompt treatment and access to the very latest drugs and procedures.

How much do you charge for your services?

Absolutely nothing as we are paid commission from the Insurer which is a percentage of the total premium.

Isn't Private Medical Insurance expensive?

May people perceive PMI to be expensive and if you’re one of them, then you may be surprised to know that 66% of people think PMI is twice as expensive than the true cost. Having insurance in place, provides many of our customers with peace of mind. If you ever have to use your insurance, you’ll probably say it’s the best thing you ever did!

Can I choose when and where I can be treated?

Yes, this is another invaluable aspect of PMI as you have the flexibility on who you see, when you see them and where. Whether you are running a family or business (or both) having this flexibility is essential.

What if I can’t physically get to my GP?

Most providers include or offer a Private GP service where you can be diagnosed, referred or have prescriptions authorised via phone or Video call options without having to physically see your GP.

I am already insured so can I move?

This is where we come into our own. We deal with the major providers in the market and can help find more cost effective insurance for you. We will ask you what is most important and put forward the best option.

What about my pre-existing medical condition/s?

We are usually able to transfer your underwriting terms which means the Insurer can continue to cover the vast majority of pre-existing conditions. Even if we advise you stay with your current provider, we can help negotiate better terms at renewal for you.

Is it easy to cancel my policy with an existing provider?

Yes, we specialise in this area and hold your hand through the process by completing any forms for you, cancelling your existing policy and obtaining your certificates of insurance.

Do the policies you advise on cover everything?

No, most insurers will exclude certain areas like drug and alcohol abuse, treatment for Chronic Long Term Treatment, self inflicted injuries, routine pregnancy, prescription charges, cosmetic treatment etc.

Can I insure my employees?

Certainly, we can even arrange cover for their partners and children.

Why insure my employees?

It is paramount that you insure your most important asset, your employees. What impact could it have if they were off long term whilst waiting for treatment on the NHS? It’s an insurance that helps with absenteeism, staff retention and recruitment and the company therefore covers the cost of providing this type of insurance.