Health and Life Insurance

Private health insurance covers medical expenses for treatments not typically covered by (NHS),

Such as quicker access to specialists, private hospital rooms and elective procedures.

• Comprehensive policies, cover a wide range of medical treatments including inpatient and outpatient care, consultations, surgeries, and specialist treatments.
• Inpatient only polices, Cover treatments requiring hospital stay but may exclude outpatient treatments.
• Critical illness insurance, provides a lump sum payment if diagnosed with a serious illness such as cancer, heart attack or stroke, this helps cover treatment costs, living expenses and any necessary lifestyle changes.

• Term life insurance, level term pays out a fixed sum if the person insured passes away within a specified period. Decreasing term the payout decreases over time, typically aligned with a mortgage balance making it cheaper than the level term insurance.
• Whole of life insurance, provides coverage for the entire lifetime of the policy holder and pays out a lump sum upon death regardless of when it occurs.
• Over 50s life insurance, Guaranteed acceptance for those aged over 50, with a fixed payout upon death, typically used to cover funeral expenses.
• Family income benefit, instead of a lump sum this provides regular payments to the beneficiary for a specified term, mimicking an income replacement.