Private Medical Insurance Without The Fuss!

With NHS waiting lists growing ever longer, protect your family with access to private care when they need it.

Skip lengthy NHS waiting lists

Access to Private Hospitals and Rooms

Cover for consultations, scans and surgery

Optional Full Cancer Cover!

Private Medical Insurance Without The Fuss!

Skip lengthy NHS waiting lists

Access to private hospitals & rooms

Cover for consultations, scans & surgery

Optional Full Cancer Cover!

With waiting lists growing ever longer, protect your family with access to private care when they need it.

What is Private Medical Insurance?

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What is Private Medical Insurance for?

Private Medical Insurance is designed to give you and your family access to private healthcare when you need it. With NHS waiting lists growing longer and longer, having the ability to get treated quickly really can make the difference.

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What does Private Medical Insurance cover me for?

Private Medical Insurance policies cover you for any medical condition that requires treatment that your GP can't handle. This could be seeing consultants, having scans and diagnostics performed, or more serious things such as surgical operations. Policies can also include other features such as alternative therapies, dental care, psychiatric treatment and optical cover!

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Does it cover pre-existing conditions?

In most cases no, when you take out Private Medical Insurance you tend to find the insurers will exclude any health issues you have suffered with in the past 5 years. Once you have been with the insurer for 2 years, provided the excluded health issue hasn't caused symptoms, or required medication, treatment or advice, it usually becomes covered again.

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Does Private Medical Insurance replace the NHS?

Though you can opt to use the private health system instead of the NHS for many ailments, it's best to see your Private Medical Insurance as a supplement to the fantastic treatment already provided by the NHS. The good news is, having a policy does NOT mean you are no longer able to use the NHS.

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Can I switch if I already have Private Medical Insurance?

Absolutely you can, in fact we often save customers money when doing this. It's really important to speak to a member of our team here as you do need to be careful with which underwriting you choose, as this can help avoid picking up unwanted exclusions.

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Can I get this cover through my employer?

Some employers do offer Private Medical Insurance, so it is always worth checking if you are eligible through your workplace. If your workplace doesn't operate a scheme and wants to, then tell them to get in touch as we can help arrange company schemes too!

Our areas of specialism...

We can offer advice on a large number of different insurance products

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Family Life Insurance

Protect your family with a lump sum or income in the event you pass away.

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Critical Illness Cover

Provides a lump sum in the event you are diagnosed with a serious illness such as cancer.

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Income Protection

Replaces your income in the event you can't work due to illness or injury.

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Mortgage Protection

Provides a lump sum to pay off your mortgage in the event you pass away or get seriously ill.

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Private Medical Insurance

Covers the cost of getting treated in the private health system as and when you need it.

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Inheritance Tax Cover

Inheritance Tax planning is not regulated by the Financial Conduct Authority.

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We work with some big names.

  • We're lucky here to have access to a huge number of insurers.
  • So regardless of what life looks like for you, we're well placed to get you the right deal for your circumstances.
  • We work with lots of big household names - many of which you will have heard of!
  • But importantly we also work with some lesser-known niche insurers who specialise in high-risk occupations and complex pre-existing health conditions.
  • In short, we're perfectly suited to help people like you!
Get Your Quotes
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Our team are here to help.

Let's be honest, nobody likes annoying phone calls and pushy sales people. Here at My Advice we do things a bit differently. We're a team of trained and qualified insurance advisers who are here to provide you with guidance and advice, as well as great quotes, and we don't harrass, cold call or try to pressurise you into buying something you don't want.

Our team of advisers are here to give you the most suitable advice for your circumstances. Each and every member of our team has one goal, to help you understand how to cover off your risks, but to do so in a cost effective way that fits your financial circumstances ...Simple really

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The important stuff.

  • My Advice is a trading name of Lifetime Wealth Management Limited which is registered in England and Wales. Registered Number 4631136.
  • Lifetime Wealth Management Limited is an appointed representative of Quilter Financial Services Limited, Quilter Mortgage Planning Limited and Quilter Wealth Limited, which are authorised and regulated by the Financial Conduct Authority. FCA register numbers 440703, 440718 and 217742.
  • When you take out cover, you are protected by the Financial Services Compensation Scheme
  • We abide by the Data Protection Act 1998, and the General Data Protection Regulation (GDPR)
  • All phone calls are recorded for training and monitoring purposes.
Read our privacy policy here.
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