General
Empowering you to achieve financial freedom - our advisers are here to guide you every step of the way
Why Consider Health Insurance?
Your health is your most valuable asset and while we don’t like to think about illness or injury, having the right protection in place can make a huge difference when it matters most.
Health insurance gives you access to private medical care, helping you avoid long waiting times and receive treatment when you need it. It offers choice, speed, and comfort, so you can focus on getting better, not worrying about delays or availability.
It’s about peace of mind. Knowing that if something goes wrong, you and your loved ones can get prompt, high-quality care without the stress of long NHS queues or unexpected costs.
What Does Health Insurance Cover?
Health insurance can be tailored to suit your needs and budget. Most policies cover:
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Private hospital treatment
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Specialist consultations and diagnostics
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Surgery and inpatient care
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Outpatient tests and scans
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Cancer care and therapies
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Access to private GPs or virtual appointments
Some policies offer optional extras like dental cover, mental health support, physiotherapy, or access to alternative therapies. The right policy for you depends on your lifestyle, family needs, and what level of cover you’re looking for.
Do I Really Need Private Health Insurance?
That depends on your priorities. The NHS offers excellent care, but demand is high and waiting lists can be long.
Private health insurance gives you:
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Faster access to treatment
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Greater choice over when and where you're treated
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Comfortable private hospital facilities
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Access to specialist treatments or drugs not always available on the NHS
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Support for mental and physical wellbeing
For many people, it’s not about replacing the NHS, it’s about complementing it, and having more control over their healthcare journey.
How Much Does Health Insurance Cost?
Premiums vary depending on several factors, including:
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Your age and medical history
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The level of cover you choose
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Whether you’re applying as an individual, couple, or family
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The type of hospital access included
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Any optional extras you add
We’ll help you find a policy that offers the right balance between cost and cover, so you’re protected without paying for more than you need.
And if you're already covered, we can review your existing plan to see if there’s a better option out there for your needs.
What About Pre-Existing Conditions?
Health insurers approach pre-existing conditions differently, depending on the policy and underwriting terms.
Some may limit or exclude cover for existing issues, while others may offer partial coverage after a set period. It’s important to understand what is—and isn’t—included before you buy a policy.
We’ll explain everything clearly and help you find the most appropriate cover for your personal health history.
Protect Your Health, Protect Your Future
Health insurance isn’t just for emergencies. It’s for everyday peace of mind. It’s for knowing you can see a specialist when you need one. It’s for prioritising your wellbeing without the stress of long waits or uncertainty.
Want to explore your options?
We’re here to help you find a plan that works for you and your family today, and for whatever tomorrow brings.
