Sheffield Town Hall

Private Health Insurance

Fast access to private healthcare when you need it most. Our health insurance solutions provide peace of mind for you and your family.

What is Private Health Insurance?

Private health insurance gives you access to prompt medical care when you need it most, with a choice of specialists and hospitals, and treatments that may not be available on the NHS. It provides peace of mind knowing you can get fast treatment without lengthy waiting times.

Faster Treatment

Skip NHS waiting lists and get diagnosed and treated quickly, reducing time off work and speeding up your recovery.

Choice and Control

Choose when and where you receive treatment, with access to private hospitals and a consultant of your choice.

Enhanced Comfort

Benefit from private rooms, flexible visiting hours, and additional amenities that make your hospital stay more comfortable.

Why Private Health Insurance Matters

Many people underestimate the importance of having quick access to healthcare. Consider these facts:

  • • The average NHS waiting time for routine treatment is over 18 weeks
  • • Over 7 million people are currently on NHS waiting lists
  • • 39% of UK employees have taken time off work due to delays in accessing healthcare
  • • Only 13% of UK adults have private health insurance coverage

Private health insurance provides a crucial safety net, ensuring you can access the care you need when you need it, without lengthy delays that could impact your health and wellbeing.

Benefits of Private Health Insurance

Private health insurance offers numerous advantages that can significantly improve your healthcare experience and provide peace of mind for you and your family.

Reduced Waiting Times

Avoid lengthy NHS waiting lists and get the treatment you need when you need it, with appointments often available within days.

Specialist Referrals

Direct access to specialists and consultants without having to wait for a GP referral in many cases.

Private Facilities

Access to private hospitals with private rooms, better amenities, and more flexible visiting hours.

Advanced Treatments

Access to treatments and medications that may not be available on the NHS due to cost constraints.

Comprehensive Health Checks

Regular health screenings and preventative care to catch potential issues before they become serious.

Digital Healthcare

Many policies now include virtual GP services, online consultations, and digital health tools.

Our Health Insurance Process

Getting the right health insurance coverage is a straightforward process when you work with our experienced advisors. Here's how we help you secure the protection you need:


  • Needs Assessment

    We'll help you determine what level of coverage you need based on your health history, lifestyle, budget, and specific concerns.

  • Coverage Calculation

    We'll calculate the appropriate coverage options considering your age, location, desired level of cover, and any additional benefits you might need.

  • Policy Research

    We'll research the market to identify the most suitable policies and providers based on your specific needs, health status, and budget.

  • Application and Underwriting

    We'll assist with the application process, including any medical questionnaires or examinations required by the insurer during underwriting.

  • Policy Setup

    Once approved, we'll ensure your policy is correctly established and that you understand exactly what is covered and how to make claims.

  • Regular Review

    We'll conduct periodic reviews to ensure your coverage remains aligned with your changing health needs and circumstances.

Our Health Insurance Process

Getting the right health insurance coverage is a straightforward process when you work with our experienced advisers. Here's how we help you secure the protection you need:

Needs Assessment

We'll help you determine what level of coverage you need based on your health history, lifestyle, budget, and specific concerns.



Save for a Deposit

Most lenders require at least 5-10% of the property value as a deposit. Government schemes like Help to Buy and Lifetime ISAs can help boost your savings.

Coverage Calculation

We'll calculate the appropriate coverage options considering your age, location, desired level of cover, and any additional benefits you might need.


Get Mortgage Ready

Check your credit score, gather necessary documents, and understand your budget. We'll help you prepare for the mortgage application process.

Policy Research

We'll research the market to identify the most suitable policies and providers based on your specific needs, health status, and budget.

Find Your Dream Home

With a mortgage in principle, you can start viewing properties within your budget and make offers with confidence.

Application and Underwriting

We'll assist with the application process, including any medical questionnaires or examinations required by the insurer during underwriting.

Complete the Purchase

Once your offer is accepted, we'll guide you through the legal process, surveys, and final mortgage application to completion.

Policy Setup

Once approved, we'll ensure your policy is correctly established and that you understand exactly what is covered and how to make claims.


Move In

Congratulations! You've completed your purchase and can now move into your first home. We'll still be here for any future mortgage needs.

Regular Review

We'll conduct periodic reviews to ensure your coverage remains aligned with your changing health needs and circumstances.


Complete the Purchase

Once your offer is accepted, we'll guide you through the legal process, surveys, and final mortgage application to completion.

Frequently asked questions

Get answers to common questions about private health insurance and how it can protect you and your family.
What does private health insurance typically cover?
Private health insurance typically covers inpatient treatment (when you need a hospital bed), outpatient care (consultations and tests), and sometimes additional services like physiotherapy, mental health support, and alternative therapies. The exact coverage depends on the policy you choose. Most policies cover acute conditions (those that respond to treatment) rather than chronic conditions (long-term illnesses). Common covered treatments include consultations with specialists, diagnostic tests, hospital stays, surgeries, and cancer treatments. Some policies also include additional benefits like virtual GP services, health screenings, and dental or optical care.
Will my pre-existing conditions be covered?
Most standard private health insurance policies don't cover pre-existing conditions. However, there are several options available: 1) Moratorium underwriting: Conditions you've had symptoms, medication, advice, or treatment for in the past few years (typically 5) won't be covered initially, but may become covered if you remain symptom and treatment-free for a specified period (usually 2 years). 2) Full medical underwriting: You disclose your full medical history, and the insurer clearly states what is and isn't covered from the start. 3) Medical history disregarded (MHD): Usually only available for large group schemes, this covers pre-existing conditions. 4) Continued personal medical exclusions (CPME): Allows you to switch insurers while maintaining the same exclusions. Our advisers can help find the best option for your specific medical history.
How much does private health insurance cost?
The cost varies widely depending on several factors: 1) Age: Premiums typically increase as you get older, 2) Location: Costs are higher in areas with more expensive healthcare (like London), 3) Level of cover: Basic policies cost less than comprehensive ones, 4) Excess: Choosing a higher excess reduces premiums, 5) Underwriting method: Full medical underwriting may result in lower premiums than moratorium, 6) Hospital list: Limiting which hospitals you can use reduces costs, 7) Additional options: Adding dental, optical, or mental health coverage increases premiums. Basic policies can start from around £20 per month for young, healthy individuals, while comprehensive coverage might cost £100 or more per month. Family policies typically offer better value than individual ones. Our advisers can provide personalised quotes based on your specific circumstances.
Can I use both the NHS and private healthcare?
Yes, having private health insurance doesn't affect your NHS entitlements. Many people use a combination of both services: 1) Using private care for faster access to specialists, elective procedures, and diagnostic tests, 2) Using the NHS for emergency care, chronic condition management, and GP services, 3) Some policies offer NHS cash benefits, paying you a fixed sum for each night you choose to use NHS hospital services instead of private care when you're eligible for private treatment. This integrated approach allows you to benefit from the strengths of both systems. Your private health insurance complements rather than replaces NHS care, giving you more options and flexibility when you need medical treatment.
Are there any tax benefits to health insurance?
For individuals, private health insurance is generally not tax-deductible and is considered a personal expense. You'll typically pay Insurance Premium Tax (IPT) at the standard rate (currently 12%) on your premiums. For businesses, there are potential tax advantages: 1) Companies can often claim tax relief on health insurance provided to employees as a business expense, 2) The business can recover the VAT on the IPT element of the premium, 3) However, employees will usually need to pay benefit-in-kind tax on the premiums, as it's considered a P11D benefit. The tax treatment depends on how the scheme is set up and the company structure. Our advisers can explain the tax implications for your specific situation, though we recommend consulting with a tax professional for detailed advice.
How do I make a claim on my health insurance?
The claims process typically follows these steps: 1) Visit your GP who will refer you to a specialist if needed, 2) Contact your insurer before arranging any private treatment to get pre-authorisation (many insurers have apps or online portals for this), 3) The insurer will confirm if your condition is covered and approve appropriate treatment, 4) They'll often pay the hospital or specialist directly, though sometimes you may need to pay and claim back, 5) If you have an excess, you'll need to pay this amount. Most insurers now have streamlined digital claims processes, and many offer virtual GP services that can refer you directly to specialists, speeding up the process. As your broker, we can assist you with claims if needed, helping to resolve any issues and ensuring you get the treatment you're entitled to under your policy.

Protect Your Health and Wellbeing

Don't wait until you need medical care. Our expert advisers can help you find the right health insurance coverage to ensure fast access to treatment and peace of mind for you and your family.


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