Individual & Family Medical Insurance

We provide our clients with a Private Medical Insurance policy which provides an appropriate level of cover at an affordable price.

When providing clients with a review of their existing private medical insurance policy, or when sourcing a new private medical insurance policy, we review all the options available to them. Our advisers focus on recommending a suitable policy that covers your current needs and requirements, rather than focusing solely on cost. It is imperative that our clients know what they are covered for before they purchase their insurance and this tends to ensure that the policy is purchased for long term stability rather than changing the policy every year just to obtain the cheapest insurance available.

We advise a range of individuals who have different specific needs, ranging from basic cover for emergencies only to comprehensive cover with access to London’s top Private hospitals. There are a number of factors that determine premium costs and our advisers will discuss these with you through the fact-finding process.

Our advice process is as follows:

Fact Finding

Our advisers will discuss your demands, needs, priorities and financial budget. This allows us to determine what level of cover and hospitals you need access to, which we provide to insurers in order to obtain quotes.

Market Review

Our advisers will review the quotes that have been obtained from the market and provide a recommendation that offers the most comprehensive level of cover, within the financial budget outlined during the fact finding process. We submit applications to Insurers and determine whether the underwriting received is favourable, prior to proceeding with any application.

Reason Why Letter

Upon receiving approval of cover, we provide our clients with written confirmation of their policy status and benefits. Our Reason Why Letter outlines the company requirements, summarises the market review and lists the Statement of Demands & Needs of the company.

Ongoing Support

Throughout the policy year, each client has an assigned Client Relationship Manager, who can assist in adding or removing members from the policy, speak with Insurers when difficulties arise in the claims process and clarify any invoicing queries.

Each client has an assigned Adviser & Client Relationship Manager. This ensures that every client has two points of contact that are aware of their circumstances and provides suitable cover in the event of a member of the team being unavailable.