Private Medical Insurance (PMI) provides peace of mind that you and your family's health and welfare are protected in case of illness or emergency.

If you become sick or unwell, health insurance cover ensures you'll receive the best quality treatment as quickly as possible, bypassing long NHS waiting lists and receiving care from some of the UK's leading surgeons, doctors, and consultants.

At London FS, we're a team of professional financial consultants who provide clear financial planning, advice, and guidance for high-income earners, professionals, company directors/LLPs with complex or multiple income streams. In addition, we can help you select the right private medical insurance plan that delivers the correct amount of cover for you and your family.

We can access the whole PMI market and help arrange personal and corporate PMI plans that are affordable and effective.

What is private medical insurance?

Private health insurance cover is a form of insurance cover that will cover the cost of private medical treatment. You pay a monthly premium which entitles you to treatment for what insurers describe as 'acute conditions.'

Health insurance is designed to provide cover for acute conditions, including:

  • Diseases
  • Serious illness
  • Accidents
  • Injuries
  • Severe mental health issues

The purpose of PMI is to return the patient (whether that's you, a member of your family, or an employee) to health. Once diagnosed, PMI will cover treatment, including inpatient treatment and outpatient treatment for a wide range of conditions affecting your physical and mental health.

Health insurance doesn't cover day-to-day illnesses such as coughs, colds, or other minor ailments. It also won't provide emergency healthcare treatment (you should ring 999) or dental cover (which can be provided by a dental insurance plan).

There are also some exceptions as to what is and isn't covered by any health insurance policy, including pre-existing medical conditions and chronic conditions you may be living with.

Some of the benefits of health insurance include:

  • Rapid access to effective treatment for a range of physical and mental health conditions
  • Speedy diagnostic tests mean faster treatment
  • Medical consultations and private treatment from the UK's leading surgeons, doctors, and consultants
  • Access to a range of private hospitals and private medical care facilities
  • Inpatient treatment and outpatient treatment for a range of acute healthcare issues
  • Total focus on your healthcare needs

What's covered by health insurance cover?

Each private health insurance policy is different,

Some of the main benefits of medical insurance include:

  • Rapid access to GP appointments – often within 24 hours
  • Diagnostic tests such as scans, tests, x-rays
  • Muscle, bone, or joint problems
  • Cancer treatment
  • Outpatient treatment
  • Inpatient treatment in private hospitals

How does health insurance work?

You'll need to arrange private health insurance cover through a specialist broker such as London FS. We can help you find comprehensive cover at the best price. You'll pay a monthly health insurance premium for cover. After a qualifying period, you'll be able to claim if you (or anyone covered by the policy) require treatment.

In most cases, the treatment process begins with a visit to your GP. They will provide a referral for specialist treatment. The GP can be either an NHS doctor or a private GP.

Once you've received a professional referral, health insurance providers will ensure you access the medical treatment you require to make a full recovery.

What isn't covered by private healthcare cover?

Each private health insurance provider has several exceptions, including things you won't be covered for. Each private health insurance policy is different, and each provider has its own range of exceptions and exclusions. However, we can list some of the most common reasons your health insurance provider may not cover you.

Most health insurance policies won't cover you for:

  • Pre-existing conditions
  • Chronic conditions
  • Cosmetic surgery
  • Additional exceptions
  • Maternity care
  • Emergency treatment

Even if you hold private health insurance, you can still access NHS treatment, including dental treatment and comprehensive cancer care that the national health service is famous for.

What type of private health insurance do you offer?

There are several types of health insurance available to protect you, your family, and the employees of your business. As London FS, we can help you choose the most suitable type and level of private health insurance cover.

At London FS, we can arrange all forms of PMI cover, including:

  • Personal health insurance
  • Joint health insurance (Couples health insurance)
  • Family health insurance
  • Corporate health insurance

Personal health insurance

Personal health insurance provides private health cover for one person. Providers will ask a series of questions about your medical history before deciding on your premiums. Individual health insurance only covers one person, not anyone else in your family.

Joint health insurance

Joint health insurance is a medical insurance policy for two people, in most cases a couple. Your partner could be a husband or wife, civil partner, or long-term partner. Joint health insurance covers both of you and will provide comprehensive cover for the duration of the plan.

Family health insurance

Family private health insurance covers you and any named family members on the policy. Anyone named on the policy will be able to access private healthcare treatment. Health insurance premiums will be based on the number of people included in the policy, their full medical history, and their family. In most cases, medical tests are unnecessary.

Corporate health insurance

Corporate or business private health insurance is offered to staff who work for a business. In today's competitive world, it's a precious staff benefit. In addition, a health insurance plan can be desirable to new employees, particularly if it also includes their families. Health insurance costs for corporate health insurance will depend on the number of employees you have and the level of cover you require.

At London FS, we're experts at arranging private health insurance for London-based individuals, families, and businesses. If you are an international traveller, we can discuss international health insurance products too.

We can help you identify suitable providers, compare policies, and select the best private health insurance choice for you, your family, and your employees.

Why choose private health insurance?

Private health insurance is essential for self-employed, company directors or those for whom a prolonged absence from work could be problematic.

The NHS is stretched, with waiting lists increasing every week. Health insurance is an investment in your health and wellbeing.

As well as being able to access private healthcare providers for physical problems, you can also get support for mental health conditions such as stress, depression, and anxiety.

In addition to the health benefits and mental health support, you can enjoy peace of mind that you, your family and your business are covered – whatever life throws at you.

Can I afford private health insurance?

Yes. Private health insurance is an affordable option for people who want the benefits of rapid access to diagnosis and treatment for a range of health conditions. The total health insurance cost you pay will depend on a range of factors, which we outline below.

London FS is a bespoke broker of PMI and health insurance policies. We can work with you to find private health insurance that delivers the level of cover you require.

Even if you have pre-existing medical conditions, we can find a private medical insurer covering.

Contact us today to discuss your private health care requirement

Arranging private medical insurance

London FS is a bespoke broker providing a personal and professional service to high-income clients who demand the best levels of service and support.

We specialise in providing clear and independent advice for our clients. We're experts at arranging private medical insurance packages for those with complex requirements, including company directors, those in LLPs and those with multiple income streams.

We spend time listening to you and learning about you to identify a suitable PMI product that provides an adequate level of protection for you, your family and your business.

Benefits of working with London FS to arrange private medical insurance cover include:

  • A dedicated broker who will work with you throughout the process
  • Access to the whole market of income protection providers
  • Experienced at working with a high-income client base
  • Professional service at all times
  • An experienced and dedicated team, working with London clients since 2003

Contact us to arrange London private medical insurance

If you're interested in learning more about income protection policies or would like to speak to one of our trusted advisers, contact us today. We provide income protection to business people in London who rely on us to provide peace of mind and protection.

Private health insurance FAQs

How much is private health insurance?

Health insurers will decide your premium based on a range of factors, including your age, current health and an assessment of your full medical history, including physical and mental health. They'll discuss any pre-existing conditions you may have too.

They will calculate an annual premium, which is paid in monthly instalments. Like car insurance, there are different levels of cover and care to choose from. Comprehensive health insurance is the most expensive, with more limited policies available.

We can help identify the most suitable private healthcare insurance package for you, matching your requirements with your budget.

How does private health insurance work?

If you become sick, your private health insurance provider will pay for private treatment. This is outside of the NHS, which often means you'll be seen much more quickly. You may also receive treatment at a private hospital as an inpatient or outpatient.

Depending on the diagnosis and the cause of your health problem, you'll be supported to recover. This can include cancer treatment and mental health treatment. Exactly what is covered by your PMI policy will be included in your policy documents.

Like your car insurance, you will need to submit a claim and provide evidence to support it.

Even if you access private health care, you'll still be entitled to free healthcare from the NHS as normal.

When will my health insurance policy start?

Your PMI policy will start at an agreed date and begin to pay monthly; however, you may not be able to claim for a set period.

PMI is an insurance policy regulated by the financial conduct authority. You will receive clear and simple insurance policy documents with details of what is and isn't covered in your health insurance policy. If you have any questions about your policy, we can help provide advice and guidance.

Will I need an excess on my private health insurance policy?

You can choose whether there is an excess or not. Obviously, policies with no excess are significantly more expensive.

Are pre-existing conditions covered under health insurance?

In most cases, private health insurance providers won't cover you for pre-existing conditions. However, each policy will have its own list of exclusions which we can discuss with you.

How can I compare health insurance plans?

At London FS, we make finding the right private medical insurance simple. We can provide impartial and expert guidance, helping you to compare policies to ensure you get the right package with the best coverage for you, your family and your business.

We're regulated by the Financial Conduct Authority and have been providing primate medical insurance advice to London individuals and businesses since 2004.


Call us on +44(0) 208 427 5057

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