Insurance for Individuals

UK Private Medical Insurance
Private Medical Insurance is designed to provide cover for medical expenses incurred for a short-term, acute illness or injury where there is an expectation of recovery. These costs can include consultations, diagnostic investigations, treatment and surgery.  It is not a complete substitute for the National Health Service, and does not mean that superior treatment is being obtained outside the NHS. It is designed to work in tandem and provide peace of mind that treatment can be obtained promptly and often in more comfortable surroundings, for an eligible medical condition.

Within the Private Medical Insurance market there is an extensive range of products to suit an individual’s or family’s requirements.  The level of cost and cover varies, with insurers offering fully comprehensive schemes to low cost budget plans.  

Please read the Association of British Insurers guide  "Are you buying Private Medical Insurance?"  to help you understand more about what Private Medical Insurance in the UK is and how it works.

  
International Private Medical Insurance
International Private Medical Insurance is available for expatriates, business travellers and in many countries local nationals.  Also where people have homes in different countries and may have to seek treatment locally.

Medical insurance is a fundamental part of living overseas where there may not be access to a State Healthcare system, which is why the benefits are usually much more comprehensive.  Reassurance of being able to have quality healthcare at an affordable price is essential.  Being ill abroad can be unnerving - but quick access to private healthcare facilities will increase your chances of avoiding a prolonged period of sickness absence, or even worse, returning home prematurely. 

The level of cost and cover varies, with insurers offering fully comprehensive plans or less expensive plans.

  
Continuation Option
If you are leaving a company group scheme we can assist with obtaining continuation cover with your existing insurer or alternative providers without any further underwriting.

   
Annual Travel Insurance
Things can go wrong on holiday.  You could fall ill or have an accident; you could have money or luggage stolen; your visit might be cancelled or cut short through injury or illness; your family may need to fly out to be with you if there is a serious incident.

All these risks and more can be covered by taking out travel insurance.

If you go on holiday more than once a year, you could find Annual Travel Insurance more cost effective than taking out a separate policy every time you travel.

European or Worldwide with optional cover for winter sports and ski-pack upgrades are available.