Private Medical Insurance

This is insurance that pays the hospital or doctor for your treatment. It can include treatment in a private ward or getting seen earlier in an NHS ward. Some plans allow you to claim if you are not able to be seen by the NHS within a set period. Other plans may charge a little more and don’t have any relevance to NHS waiting times.

When applying for this type of insurance you will need to complete the required underwriting process.  The underwriting process could see the insurer put exclusions on health conditions you’re already suffering from and sometimes those you’ve suffered from in the past. 

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Which underwriting approach is best for you, Mortatorium underwriting the most common type or Full Medical Underwriting meaning you disclosing your entire medical history to the insurer from the start, is a decision best discussed with our advisors to help you make the right decision depending on your personal circumstances. 

Premiums are usually reviewable annually.

Winstanley mortgages don't arrange just mortgages, we also take care of all the protection needs of clients, this includes private health insurance. Private Healthcare is for those clients who want to be treated at a hospital of their choice and is designed to give fast access to the best possible treatment. We partner with 3 of the best in this field, Aviva, The Exeter and Vitality to give clients the best outcome.

For company paid schemes it should be noted that the premiums are classed as a deductible business expense.