FAQs

We compare policies from over 15 providers including BUPA, AXA PPP, AVIVA, Vitality, WPA, Health-on-line and SimplyHealth to find the one that suits your needs perfectly.

No, our service to you is completely free of charge.

Some insurers may offer a lower premium for clients who have not recently claimed.

Not for you. We take your details and complete the rest of the process on your behalf, keeping you informed along the way.

Yes, of course. These details will be discussed when determining your cover.

Each year one of our specialist advisers will contact you when your policy is due for renewal. We can offer a straight renewal or review the market, again finding the best options for you at that particular time.

In order to seek the most appropriate cover for you, for the lowest cost, our advisors will need to obtain your age and any pre-existing and past medical conditions.

Your age won't affect your ability to switch provider, however it is likely to affect the cost of your premium.

Most insurers will not normally cover a pre-existing condition for a set period of time- possibly two to five years. However, if you have a policy in place at present then we can look at the 'CPME' terms (continuation of personal medical exclusions). This would then continue to cover conditions currently covered by the present insurer.

Claims are handled only by your insurer. However, we'd be more than happy to help you find the right people to contact.

Absolutely, we have specialist advisors who will offer a full market review on group as well as individual policies and will explain the benefits of each.

As we deal with clients both throughout the UK and worldwide, it is not always practical to arrange a face to face appointment. However, most of the time, we are able to deal with any queries over the phone and via email.

You have a 14 day 'cooling off' period, within which you can cancel the policy if you change your mind. This starts from either the planned start date of the policy or the date you receive your documents, whichever is latest.

With a moratorium underwriting the insurer isn't likely to initially cover you for conditions you've been affected by the past few years; the duration depends on the insurer.Full medical underwriting requires details of your medical history. With your consent, the insurer may write to your doctor if they require further information.