Health Insurance

Peace of mind comes in the form of private medical health insurance. No more worrying and waiting, just fast access to high-quality healthcare whenever you need it, through our sister company Towergate Health & Protection.

About Health Insurance

Group

Speedy referrals

Get fast referrals to specialist consultants with your health insurance policy

Heartbeat

Prompt hospital admission

When you’re unwell, you want to be seen to and treated quickly. Bypass long wait times and relax in the care of attentive professionals

Care

Convenient treatment times

Whether you lead a busy life or work unusual hours, you’ll easily find an appointment time that’s convenient to your lifestyle

Direct Debit

Pay by Direct Debit

You can split your health insurance payments into easy monthly instalments

Features of Health Insurance

Standard cover

Reassuring health insurance advice

It’s important you make sure that you thoroughly grasp the health insurance policy you are considering before purchasing. Our advisers will help you understand what the policy includes and excludes to ensure it meets your needs now and in the future.

Comprehensive health insurance

Cover can include treatment for serious illnesses, such as cancer, as well as physiotherapy and complementary practitioner treatment. You may also have access to surgical procedures and treatments not yet available on the NHS.

Dedicated support from experts

We understand that choosing health insurance can be a little confusing at times. That’s where we can help. Your exact policy benefits will vary depending on the level of cover you select, and we will explain the various options available and highlight the key differences between them.

Flexible and affordable benefits

Our independent health insurance advisers will ensure that you have access to the products that meet your requirements, at a price that matches your budget.

Health Insurance FAQs

Question

What is health insurance?

Answer

Private medical insurance (PMI) is designed to cover the cost of private medical treatment for acute conditions that take place after your health insurance policy begins. It is designed to work alongside – not to replace – NHS services, and PMI customers retain the right to use the NHS. While some policies do cover treatment for certain long-term or chronic conditions, this is not usually the main purpose of PMI.

Question

What if I already have private medical insurance and I’ve had previous claims?

Answer

If you have an existing PMI policy and have made claims under it, we’d be happy to advise you on the best course of action on renewing your policy. Please contact us to discuss your specific circumstances.

Question

How do I choose the right health insurance cover?

Answer

The level of cover most suitable for you will depend on your reasons for taking out health insurance, but we’ll help you to decide which benefits are the most important for you. For example, you might consider the cost of the premium or whether or not you want to pay for part of your treatment or you would like a policy with extensive benefits for full peace of mind. Please contact one of our advisers to discuss the cover that is best suited to you.

Question

Are pre-existing medical conditions covered?

Answer

Pre-existing medical conditions may be eligible for cover, depending on personal circumstances. Some insurers will keep your current personal exclusions (what is not included in your cover) which means any treatment for these conditions will be excluded from your new cover. They will not add any new ones. However, some insurers might not cover illnesses or injuries you have had in the recent past or any condition that you suffer from now, even if these are covered by your current insurer. Before making a decision, contact one of our health insurance advisers who can help you to understand your options regarding pre-existing medical conditions.

Question

Does private medical insurance provide cancer cover?

Answer

Most of the health insurance policies we offer provide cover for the diagnosis and treatment of cancer but cover levels can vary between policies. Our advisers can give you more information about what’s included in the policy you’re interested in purchasing.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Give your insurer a call

on the phone number in your policy documents and explain exactly what happened

Relaxed Person Making Claim