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Health Insurance

Whether for yourself, your family or your business, health insurance gives you faster access to private treatment and greater choice over your care.

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Key Takeaways:

Private medical insurance provides fast, flexible access to private specialist treatment, diagnostics and hospital care — complementing the NHS by eliminating waiting times and giving policyholders genuine choice over how and where they receive care, from individual and family cover to corporate schemes and high-net-worth international solutions. 

Private Finance arranges health insurance as part of an integrated protection strategy, with access to the full market and specialist providers who can deliver the premium hospital access, worldwide cover and enhanced benefit limits that more complex client needs demand.

Health Insurance

Health insurance — more formally known as private medical insurance — provides access to private healthcare when you need it, bypassing NHS waiting times and giving you genuine choice over where you are treated, by whom and on what timeline. For professionals, business owners and families, that speed and certainty can make an enormous practical difference, whether the concern is a routine diagnostic, a specialist consultation or a time-sensitive course of treatment.
At Private Finance, we advise on health insurance as part of a wider protection and financial planning strategy. Our focus is on structuring cover that genuinely reflects your lifestyle, priorities and long-term needs — not placing you in a generic policy that looks adequate on paper but proves inadequate when a claim arises.

What Is Private Medical Insurance?

Private medical insurance covers the cost of private healthcare for eligible conditions and treatments. It gives policyholders access to private hospitals, specialist consultants and diagnostic facilities — typically with waiting times measured in days rather than months. Most people use health insurance to complement rather than replace the NHS: emergency and urgent care remains within the public system, while the policy supports planned treatment, specialist referrals and diagnostics where speed and continuity of care are the priority.
The scope of cover varies considerably between policies and providers, and the details of how a policy is structured have a direct bearing on both what is covered and what it costs. This is precisely why independent, expert advice matters — what appears to be a comprehensive policy at the point of sale can prove far more restrictive when a claim is actually made.

What Does Health Insurance Cover?

Most health insurance policies cover inpatient and day-patient treatment, encompassing hospital admissions, surgical procedures, specialist treatment and post-operative care. Diagnostic testing — including MRI and CT scans, blood tests and specialist pathology — is a core feature of most modern policies, enabling conditions to be identified quickly and treatment to begin without delay.

Cancer care is included in the majority of policies and typically covers diagnosis, active treatment and follow-up support. 

Depending on how the policy is structured, cover may also extend to outpatient consultations, mental health treatment, physiotherapy, rehabilitation and complementary therapies.
Higher-tier policies provide broader access across all of these areas, while entry-level cover tends to restrict benefits to core inpatient and day-patient treatment. Understanding where the boundaries of a policy lie — before a health concern arises — is essential.

Health insurance policies are subject to underwriting, exclusions, excesses and other limitations. Pre-existing or previous medical conditions may not be covered. Please review the policy terms carefully before applying.

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Health Insurance Solutions

From fast-access diagnostics to premium hospital networks, we structure health insurance around what matters most — ensuring your policy works when you actually need it.

Fast Access, No Waiting Lists

Skip NHS delays and access private consultants, diagnostic testing and treatment when it matters — often within days of a referral rather than months.

Individual, Family & Corporate

Tailored policies for single applicants, families and businesses — structured to reflect your circumstances and long-term protection needs.

High-Net-Worth & International Solutions

Premium hospital access, worldwide cover and enhanced benefit limits for clients with complex lifestyles, international exposure or expectations of top-tier private care.

Integrated Protection, Long-Term Support

Health insurance works best as part of a wider strategy. We coordinate cover alongside life, income and critical illness protection for financial and health security.

Who Is Health Insurance For?

Health insurance is relevant for anyone who values speed of treatment, choice of specialist and continuity of care. It is particularly suited to those whose income, business or family responsibilities would be meaningfully disrupted by prolonged illness, delayed diagnosis or extended NHS waiting times.
Many of our clients are self-employed professionals, senior executives or business owners for whom time out of work carries a direct financial cost. The ability to see a consultant within days, receive diagnostic results rapidly and begin treatment without delay is not simply a comfort — it has tangible commercial value. Families benefit from quicker access to paediatric consultations and specialist care, while high-net-worth individuals frequently prioritise access to leading consultants, premium hospital facilities and a level of discretion and flexibility that the NHS cannot offer.

Individual, Family And Corporate Health Insurance

Individual policies are tailored around a single person’s age, medical history and lifestyle, and can be structured at varying levels of cover and excess to balance protection against premium cost. Family policies extend this protection to a partner and children under a single arrangement, typically offering better value than arranging separate individual policies for each family member.

Corporate health insurance is a widely used employee benefit, ranging from director-only schemes to company-wide arrangements covering the full workforce. As well as supporting employee wellbeing and staff retention, corporate health insurance can carry meaningful tax efficiencies when structured correctly. 

Pre-Existing Conditions And Underwriting

The way a policy handles pre-existing medical conditions depends on the underwriting basis on which it is arranged. Full medical underwriting requires comprehensive disclosure of health history at outset, with exclusions applied to known conditions from the start. Moratorium underwriting takes a different approach, automatically excluding conditions that existed before the policy began for an initial period, after which they may become eligible for cover if symptoms have been absent.
For clients switching between insurers or reviewing existing cover, managing exclusions carefully is critical to maintaining continuity of protection. Private Finance handles this process in detail, ensuring that historic exclusions are carried across appropriately and that no unexpected gaps emerge in the transition.

Health Insurance For High-Net-Worth Clients

Standard health insurance policies are not always appropriate for high-net-worth individuals with more complex requirements. Those with international exposure, demanding travel schedules or expectations of premium-level care require policies structured accordingly — encompassing access to top-tier hospital lists, worldwide or international cover, higher annual benefit limits and enhanced provisions for cancer treatment and mental health care.
Private Finance regularly advises clients in this position, sourcing policies from providers who understand what genuine flexibility, discretion and premium care access actually looks like in practice.

Insurance based on an assessment of your health is unlikely to cover pre-existing or previous medical conditions, and other limitations and exclusions may apply; please refer to the policy documentation and seek advice to fully understand what is and isn’t covered before applying.

How Private Finance Can Help

Health insurance should not be arranged in isolation. Its value is greatest when it forms part of a coordinated protection strategy alongside life cover, income protection and critical illness cover — working to make sure that whatever happens to your health, your financial position and your family’s security remain intact. Private Finance provides independent advice, access to the full market and ongoing support as your circumstances evolve, whether you are arranging cover for the first time or reviewing a policy that may no longer be doing the job it was designed to do.

Contact our team today to arrange a conversation about suitable health insurance solutions for you, your family or your business.

Why Choose Private Finance to Secure your Mortgage

Why Choose Private Finance?

Independent. Experienced. Connected.

Our clients value the confidence that comes from working with a broker who understands the full spectrum of high-net-worth financial, commercial, and protection needs.

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Our Proven Process

1. Complimentary Initial Consultation

A relaxed conversation to find out about you and what you need. We conduct a thorough fact-find to ensure we are best placed to understand your needs.

2. Detailed Review & Strategy

We complete full affordability and criteria checks on all client enquiries. This helps align your proposal with lender criteria and may improve the likelihood of a successful application.

3. Full Application Process

Mortgage applications are complex and time-consuming, so our brokers will handle the whole process on your behalf, keeping you updated throughout.

4. Completion & Ongoing Support

Our service doesn’t end here. We'll be on hand to review the options available and help identify a suitable solution when your current deal expires.

Frequently Asked Questions

The NHS provides universal healthcare including emergency and urgent treatment, free at the point of use. Private medical insurance supplements this by funding access to private consultants, hospitals and diagnostics for planned treatment — typically with far shorter waiting times, greater choice of specialist and a higher degree of personal flexibility and comfort.
Most policies cover inpatient and day-patient hospital treatment, surgery, specialist consultations and diagnostic testing including MRI and CT scans. Cancer diagnosis and treatment is included in the majority of policies. Outpatient care, physiotherapy, mental health treatment and rehabilitation may be available depending on the level of cover selected.
This depends on the underwriting basis. Full medical underwriting requires disclosure of your health history at application, with exclusions applied to known conditions. Moratorium underwriting automatically excludes pre-existing conditions for an initial period, after which they may be covered if symptom-free. Private Finance manages this carefully for clients switching policies to avoid gaps in cover.
Yes. Family health insurance covers a policyholder, their partner and dependent children under a single policy, typically offering better value than separate individual arrangements. It provides faster access to paediatric care and specialist treatment for all family members, with cover structured around the family’s collective needs and medical history.
Yes. Corporate health insurance is a well-established employee benefit that can be arranged for company directors, senior management teams or the full workforce. As well as supporting staff wellbeing and retention, business health insurance schemes can carry tax efficiencies when structured appropriately. Private Finance advises on all corporate structures and sizes.
Premiums are influenced by age, location, level of cover, choice of hospital network, excess selected and medical history. Family and corporate policies are priced differently to individual cover. A lower premium is not always the best indicator of value — policies that appear affordable can prove highly restrictive when a claim arises, which is why professional advice on policy structure matters.
An excess is the amount you agree to contribute toward each claim before the insurer pays the remainder. Choosing a higher excess typically reduces your annual premium but increases your out-of-pocket cost when you do make a claim. The right excess level depends on your financial circumstances and how frequently you anticipate using the policy.
A hospital list defines which private facilities are covered under your policy. Policies with more comprehensive hospital lists — including top-tier central London hospitals and leading specialist centres — typically cost more than those with restricted networks. For clients who want access to specific hospitals or consultants, checking the hospital list before purchasing is essential.
Many modern policies include mental health cover as a standard or optional component, providing access to private psychiatric consultations, inpatient mental health care and psychological therapy. The extent of this cover varies considerably between providers and policy levels. Given growing awareness of mental health needs, Private Finance ensures this element is clearly understood and appropriately structured.
Private Finance provides access to the full market, including specialist and high-net-worth providers not available through comparison sites or direct channels. We advise on policy structure, underwriting basis, hospital access and exclusions before you commit — and provide ongoing support as your circumstances change, ensuring your cover continues to meet your needs rather than simply renewing on auto-pilot each year.

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Complex Protection Requirements?

Whatever your situation, our expert protection team can advise on suitable cover for your needs. We specialise in complex and bespoke insurance solutions to help you find a policy that matches your circumstances.

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