We'll find the right cover for you.
Finding the right health insurance shouldn't be complicated. We take the time to understand your situation and find a policy that fits — at a price that makes sense. One 20-minute call replaces a week of comparison sites.
Cover that fits how you actually live and work.
Pick the situation closest to yours. We'll talk you through what's available — and what's worth paying for.
Individuals & families
Fast access to consultants and treatment, without the NHS wait. Cover for one person or everyone under one policy.
- Outpatient diagnostics & specialist consultations
- Hospital treatment & surgery
- Mental health, optical, dental add-ons
- Family discounts & cover for children
Self-employed & directors
You can't afford to wait months to be seen. We'll make sure you don't have to — with cover designed around how you actually earn.
- Director-paid PMI through your limited company
- Pair PMI with income protection
- Tax-efficient structures (we'll speak to your accountant)
- Cover that works around contract gaps
Business & employee benefits
Group health cover your team will actually value — from 2 employees upwards. Pairs with group life, income protection and critical illness.
- Group PMI for SME teams (2+ employees)
- Tiered cover by role or seniority
- Onboarding & renewal admin handled by us
- Money Matters Clinics included
Honest advice. No lead-gen middle-man.
We're FCA-authorised advisers — not a comparison site. You speak to the same person every time, and the advice is on the record.
Whole-of-market quotes
Aviva, AXA Health, Bupa, Vitality, The Exeter, WPA — compared in one go.
Blunt, honest advice
No script. No upsell. We tell you what we'd buy — and what's not worth paying for.
A 20-minute call
One conversation replaces a week of comparison sites and sales calls.
A real person to call
You get one direct number. No queue, no chatbot, no "team inbox".
FCA-authorised
Regulated advice you can hold us to. FCA 972626. AR of BrokerSync.
Annual cover review
We re-shop the market every year on your behalf — built into the relationship.
Three steps. No pressure. No obligation.
From first enquiry to being covered in under two weeks.
Quick enquiry
Fill out the short form on this page or book a free 20-minute discovery call. We'll ask the right questions — nothing you can't answer off the top of your head.
We compare the market
We pull quotes from every major UK insurer and lay out your options in plain English — the trade-offs on excess, hospital lists, mental health, outpatient limits.
You choose — we set it up
You pick the cover that fits. We handle the paperwork, set the policy up, and stay in your corner every renewal. You'll have one direct number to call if anything comes up.
What's covered — and what isn't.
PMI sits alongside the NHS; it doesn't replace it. Here's roughly what a good policy does and doesn't do.
Typically included
- Rapid specialist consultations and diagnostics
- Private hospital treatment & surgery
- MRI, CT and other scans with no waiting list
- Cancer care, including modern drugs the NHS may not fund
- Mental health cover (can usually be added or upgraded)
- Outpatient physiotherapy & rehab
- Optional dental and optical add-ons
- Virtual GP access, 24/7 — with most insurers
Typically not covered
- Pre-existing conditions (unless underwriting allows)
- Routine pregnancy & maternity care
- Chronic long-term conditions (management, not cure)
- A&E and emergency care (NHS handles this)
- Cosmetic procedures
- Self-inflicted or substance-related conditions
Every insurer draws the lines slightly differently. We'll walk you through the detail for the policies that actually fit you.
Whole-of-market — every major UK insurer
We compare cover from Aviva, AXA Health, Bupa, Vitality, The Exeter and WPA — and recommend the one that fits, not the one that pays us most.
Charles found us a policy that covered exactly what we needed — without paying for what we didn't. Straight-talking, no jargon, and we had our cover set up inside a week.
The things people always ask.
If it's not covered here, just ask on the call — there are no stupid questions.
How much does private health insurance cost?
Will it cover pre-existing conditions?
Do I have to give up the NHS?
Can I run it through my limited company?
How long does it take to set up?
Do you charge a fee?
What happens at renewal?
One call. No pressure. You decide what makes sense.
Book a free 20-minute call with Charles. We'll map out your options, give you real numbers, and you can take it from there — or not.