Individual Benefits
While our primary focus is on assisting organisations in the development of comprehensive employee wellbeing and benefits strategies, we acknowledge that there are times when individuals require additional support. Consequently, we have curated a suite of products and services designed specifically to cater to the needs of individuals and private clients.
Let us help you protect you and if needed your family – in a way that supports their long-term health and happiness
Individual Private Medical Insurance.
Your health and wellbeing matter, and understanding your options for private medical insurance can feel overwhelming—especially if your circumstances are changing. Whether you’re moving on from an employer scheme, retiring, or simply experiencing a change in workplace, you may want clarity on what choices are available to you.
If you’re considering cover for the first time, or you’re exploring what different policies might involve, we can help you make sense of the overall landscape and provide guidance on how to navigate it. Our role is to support your understanding so you feel confident and informed.
We offer a free, no‑obligation conversation to help you explore the general options available in the market and discuss the factors you may want to think about when considering private medical insurance. This support is designed to help you make your own decisions with confidence.
Prefer to speak with someone directly and at your own pace? You’re welcome to get in touch with our team on +44 (0) 7920 840 741.1
Step 1 - Lets talk
By answering a few simple questions we will know what’s important to you so your policy will fit your needs.
Step 2 - Compare prices
When we know what you need, we compare quotes from the UK’s leading private health insurers!
Step 3 - Select your plan
Review your options and ask any needed questions. Make an informed choice about your healthcare provision.
Frequently Asked Questions
We know private health insurance can be confusing. We’re here to help.
Your awesome website
01
Who needs health insurance?
In the UK we are lucky to have a National Health Service. However, Health Insurance can unlock benefits like reduced waiting times, access to better medicines and treatments, additional comfort and privacy, and more choice and flexibility around when and where your treatment takes place. Contact us via the form to explore your Health Insurance options.
02
Can I get private health insurance with a pre-existing condition?
Yes you can, however, the pre-existing condition will be excluded from coverage on the policy. In most cases, this is reviewed after two years should there be no medical advice, treatment or medication for a continuous two-year period on the policy for that condition. This will depend on which underwriting style is best for you and your situation. For more information, Contact us via the form and we will be happy to help.
03
What is an excess in health insurance?
An excess is an amount each person on your policy pays towards the cost of a claim. For example, if you choose a £200 excess per claim and your treatment for one eligible claim costs £1,000, you would pay the first £200 and the insurer would pay the rest. In the event of the claim being lower than the excess, the remainder of the excess “pot” would be used towards the next claim. Get a quote to start exploring your Health Insurance options.
04
What isn’t covered by private medical insurance?
All insurers have a list of conditions and examples that will not be covered. These are known as “general exclusions”. Some general exclusions include routine pregnancy, war, riots and terrorism, and routine maintenance of existing chronic conditions. Exceptions will be detailed within your policy documents but if you would like to know more, contact us via the form and we will be happy to help.
05
Will I need a medical examination?
No, absolutely not. Unlike life insurance, there are no medical examinations or nurse screenings to attend. Some policies may ask you for eligibility criteria that include information about your recent medical history; however, most policies we sell do not require you to divulge ANY medical information. Fill on the form to start the process and get a no-obligation policy recommendation.
06
What is an insurance intermediary??
An intermediary's job is to support the purchase of insurance. It's about providing free, unbiased guidance so you can make the most informed decisions about your health insurance needs. We're here to help you.
Compare Private Health Insurance
Would you be happy to wait for the NHS? Or would you prefer a better, faster healthcare option? Fill out the quick form or call us direct, We will introdcue you to one of our partners for a no obligation quote and free, expert advice.
Steve Hope
Telephone: +44 (0) 7920840741
E-mail: Steve.Hope@employees-benefit.co.uk
Address: Furland Road, Weston Super Mare, Bristol, BS22 8DL