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Same Day Appointments
Let's get started today.
Quick Decisions
Stop waiting weeks to get a decision.
Transparent Advice
Don't be left in the dark anymore.
We Can Search Thousands Of Group Private Medical Insurance Deals
The Journey to Protecting What Matters Most
Initial
Meeting
Let’s grab a coffee (or a Zoom). This is where we get to know you, your concerns, and your protection goals. Think of it as a relaxed chat to set you on the right path to financial security. You talk, we listen!
Personalised
Package
We’ll craft an insurance plan tailored to your needs, complete with all the suitable options. We’re like your personal insurance matchmaker, finding the best deal to make protecting what matter most easy.
We Do
The Rest
Leave the paperwork, provider chasing, and all the heavy lifting to us. All you need to do is sit back and relax while we make it happen behind the scenes. Our award-winning insurance team is available 7-days a week.
You Are
Covered!
Your new insurance is set up, and it’s time to pop the bubbly! Like all our 5-star customers, you are now financially protected should the worst happen.
“Going above and beyond is what we do; we LOVE our job, and most of all, we LOVE helping our clients.”
If you need any form of Group Private Medical Advice, then make an appointment with one of our advisors today. We aim to make protecting your family as easy as possible.
Why Does Your Business Need Group Private Medical Insurance?
With waiting times being a prime source of anxiety in many health events, private healthcare offers the reassurance of an early diagnosis. Private medical insurance (PMI) enables you to bypass long NHS waiting lists, providing quicker access to specialists and diagnostic tests. This can significantly reduce the stress and uncertainty of waiting for medical attention. Moreover, PMI often grants access to advanced diagnostic testing and treatments that might not be readily available on the NHS, ensuring you receive the most comprehensive and up-to-date care possible. This timely access to healthcare improves your chances of a swift recovery and allows for early detection and management of potential health issues, ultimately contributing to better long-term health outcomes.
Private medical insurance (PMI) offers easy access to hundreds of private hospitals across the UK, allowing you to choose where and when you receive treatment. Whether you have a preferred hospital in mind or wish to enjoy the benefits of private healthcare, PMI caters to your needs.
With private medical insurance, you can experience private hospitals’ perks, including having a private room, which provides greater comfort and privacy during your stay. Flexible visiting hours allow your loved ones to visit at times convenient for you and them, enhancing your support system during recovery. Additionally, flexible appointment times mean you can schedule consultations and treatments around your personal and professional commitments, minimizing disruption to your daily life.
PMI ensures that you receive prompt and personalized care, reducing the stress and inconvenience often associated with long waiting times and overcrowded facilities in the public healthcare system. This level of convenience and control over your healthcare journey improves your overall experience and contributes to better health outcomes by allowing for timely interventions and continuous, high-quality care.
Private medical insurance (PMI) can provide access to a broader range of drugs and treatments, including those that might not yet be approved or funded by the NHS. This access can be particularly significant for cancer patients, who often require specialized and timely treatments.
With PMI, patients can undergo advanced diagnostic testing to determine which treatments are likely to be most effective for their specific type of cancer. This personalized approach enhances the treatment’s effectiveness and potentially accelerates the treatment and recovery process.
Access to cutting-edge treatments and medications unavailable through the NHS can make a crucial difference in the management and outcome of serious health conditions. For example, some innovative cancer therapies, such as targeted treatments and immunotherapies, may not be immediately accessible through public healthcare systems. PMI can bridge this gap, ensuring that patients receive the most advanced and suitable care without the delays associated with public healthcare approvals and funding limitations.
Furthermore, PMI can provide access to clinical trials and experimental treatments, offering additional options for patients who might have exhausted standard treatment protocols. This can be especially valuable for patients with rare or aggressive cancers, where conventional treatments may be less effective.
Overall, accessing a wider array of treatments and medications through PMI enhances the quality and timeliness of care, providing patients with more comprehensive and potentially life-saving options. This ensures that individuals receive the best care tailored to their unique medical needs, ultimately improving their chances of a successful recovery and better health outcomes.
Private medical insurance provides you with the comfort and privacy of a private room, eliminating concerns about shared wards. When you’re feeling unwell, the last thing you want is to be in a room with strangers, dealing with the noise and lack of privacy that often comes with shared hospital accommodations.
A private room is essential for a more restful and stress-free hospital stay. It allows you to recuperate in a peaceful environment, free from the interruptions and disturbances of being surrounded by other patients. This comfort level is particularly important when you are vulnerable and need quiet and solitude to heal effectively.
With private medical insurance, you also have the added benefit of personalized care. Nurses and medical staff can attend to you more promptly and with more attention, as they are not stretched across multiple patients in a shared ward. This can lead to a higher standard of care and a more comfortable experience overall.
Additionally, private rooms typically come with amenities that make your stay more pleasant, such as en-suite bathrooms, televisions, and sometimes even options for personalizing your meals. These amenities contribute to a more homely and less clinical atmosphere, which can be very comforting during a difficult time.
Private rooms also offer greater control over visiting hours, allowing your loved ones to visit at times that suit both you and them without the restrictions often found in public hospitals. This ensures you have the emotional support you need from family and friends, which can be crucial for your mental well-being and recovery.
Private medical insurance grants you access to a nationwide network of private hospitals, all of which uphold exceptionally high hygiene and patient care standards. While NHS hospitals maintain a high standard of care, the ongoing challenges of underfunding and increased demand can sometimes result in stretched resources and potential lapses in care.
In private hospitals, the emphasis on maintaining superior hygiene practices and patient care is paramount. These facilities often have more resources per patient, which means they can afford to maintain rigorous cleanliness standards and ensure that patient areas are meticulously sanitized. This reduces the risk of infections and contributes to a safer, more comfortable environment for recovery.
Additionally, private hospitals often have more staff per patient, ensuring that each patient receives personalised attention and care. This higher staff-to-patient ratio allows for more thorough monitoring and quicker response times to patient needs, significantly enhancing the overall quality of care.
Why Use Protex Financial For Group Private Medical Insurance?
Here at Protex Financial, we strive to focus only on you. This is why we can offer the best range of group private health care advice with access to thousands of products the insurance market offers. Our group private medical insurance brokers can search thousands of products to ensure you are getting the most suitable deal you can possibly get.
The FCA, the Financial Conduct Authority, regulates our team at Protex Financial. This means everything we do is for you; we must offer you the leading and most suitable group private medical insurance options, rates, and insurance advice.
Frequently Asked Questions
In the UK, we’re lucky to have the NHS, but the waiting list to be seen is growing and growing, and there’s an ever-growing backlog, which ultimately will take years to clear.
According to the December 2023 stats from the BMA…
Around 7.20 million people are waiting for treatment
A record high of 3.1 million of these patients waiting over 18 weeks
406,035 of these patients waiting over a year for treatment
Private healthcare is designed to complement the NHS, but with the NHS under strain, more and more people are turning to private healthcare. Taking out private medical insurance will cut the NHS wait times and not have to fork out a massive sum for private treatment.
In the UK, we’re lucky to have the NHS, but the waiting list to be seen is growing and growing, and there’s an ever-growing backlog, which ultimately will take years to clear.
According to the December 2022 stats from the BMA.
Around 7.20 million people are waiting for treatment
A record high of 3.1 million of these patients waiting over 18 weeks
406,035 of these patients waiting over a year for treatment
Private healthcare is designed to complement the NHS, but with the NHS under strain, more and more people are turning to private healthcare. Taking out private medical insurance will cut the NHS wait times and not have to fork out a massive sum for private treatment.
Cancer isn’t classed as a chronic condition and therefore is covered under private medical insurance with most providers. You will have access to full cover for the latest treatments and technologies to treat cancer, from an oncology team who will support you through the process and help get the treatment privately.
When it comes to private medical insurance for yourself and your family, our private healthcare insurance brokers are here to help. We always talk about the items/things we insure, but what about us? Here at Protex Financial, we strive to take most of that stress away and make the process as quick and straightforward as possible to get your hands on the necessary private health care to protect you and your loved ones.
If you are brand new to private medical insurance, or even if you’ve been around the block a few times, if you have zero or a million questions, our private medical insurance brokers can guide you through the entire private health care advice process and answer all the questions you have. We have seen insurance horror stories, so we pride ourselves on our straightforward and very effective process whilst keeping you informed every step.
From your first appointment with us to handling your claim, god forbid you ever need to make a claim. Our team will keep you up to date and maintain constant communication flowing. Now, we all know speed bumps can happen, and hiccups can occur. This is why we are very cautious about whom we partner up with. We aim to protect you with only the highest of standard insurance companies, so if the worst ever happens, you can rest assured you will be okay.
In-patient (included as standard) – when you’re required to stay in the hospital overnight.
Day-patient (included as standard) – when you require a hospital bed but just for the day.
Out-patient (optional extra) – where no hospital bed is necessary, includes diagnostic tests, scans, therapies, and consultations. It can be added as a cap to a monetary limit or unlimited.
Why add outpatient cover?
The standard treatment process goes like this:
GP referral – outpatient consultation – diagnosis – treatment (in/out-patient) – follow-up – therapies
If you do not have outpatient coverage, only the inpatient treatment will be covered, whereas with outpatient cover, the whole process will be covered after the GP referral through to additional therapies.
If you suffer an injury, your GP may refer you to an osteopath, acupuncturist, physiotherapist, chiropractor, pain clinic, podiatrist, and dietician.
Optical: Contributes towards the cost of eyesight tests, a new pair of prescription glasses or a year’s supply of contact lenses.
Dental: Helps to cover the costs of preventative care such as check-ups and hygienists.’
Fees, and major treatments like fillings, crowns and dentures.
Cash plans are insurance that provides small cash sums to the insured if they need treatment from a pre-agreed list. In addition to traditional funds, health cash plans are also offered by a number of mainstream insurance companies.
Today, the most used benefits are:
Dental costs – this covers regular costs, such as half-yearly check-ups, plus treatments, such as filings and accidental damage to teeth and specialist treatments, such as bridge work.
Optical costs – This covers eye tests and spectacles, and contact lenses.
Typically, every day, a healthcare or health cash plan pays 50-100% of the cost of treatment up to a fixed annual limit. Sometimes, a health cash plan may fund outpatient consultations, run alongside private medical insurance excluding outpatient consultations. Other benefits may include:
Cash payment for each night or day spent in the hospital
Recuperation benefit (a cash lump slim payable after spending 7-14 days continuously in the hospital)
A maternity/paternity cash grant
Complementary therapies (this may include homoeopathy, osteopathic and acupuncture and less common therapies, Including reflexology)
Hearing aids.
Prescription costs
Helplines.
On individual plans, there is usually an initial period after starting the plan, during which claims may not be made. This is typically three or six months (longer for maternity and some other benefits).
Picking the proper policy relies on your own situation, financial position and objectives for the future. Our advisors are going to evaluate what you require and advise which policies would be best for you taking into account variables like coverage sum, term duration as well as other perks.
A moratorium in the context of private medical insurance (PMI) refers to a specific underwriting method used by insurers to determine coverage for pre-existing medical conditions. Here’s a detailed explanation of what a moratorium PMI means:
Moratorium Underwriting in PMI
Definition: Moratorium underwriting is a way of managing pre-existing medical conditions in private medical insurance policies. Instead of requiring detailed medical history at the time of application, the insurer imposes a waiting period (moratorium) during which any pre-existing conditions are not covered.
Pre-existing Conditions: Pre-existing conditions are medical issues or illnesses you have experienced before taking out the insurance policy. These conditions can include chronic illnesses, past surgeries, or ongoing treatments.
Waiting Period: Under a moratorium policy, there is typically a waiting period of 12 to 24 months. During this time, any treatment related to pre-existing conditions is not covered. If you have not had any symptoms, treatment, medication, or advice for a pre-existing condition during this period, it may be covered under the policy after the waiting period ends.
Continuous Coverage Requirement: For the moratorium to end and the pre-existing condition to be covered, you must not have any recurrence of the condition, receive treatment, or take medication for it during the specified moratorium period.
Advantages:
- Simpler Application Process: There is no need for a detailed medical questionnaire or examination at the time of application, making the process quicker and less invasive.
- Potential for Coverage: Conditions that remain symptom-free and untreated during the moratorium period can eventually be covered.
Disadvantages:
- Initial Exclusions: Any pre-existing conditions will not be covered during the moratorium period.
- Uncertainty: There is no guarantee that a pre-existing condition will be symptom-free and untreated during the moratorium, so future coverage is not assured.
Certainly, your business can pay for your health insurance. Usually included in an employee benefits package, health insurance is provided to employees as one of their privileges. Private healthcare coverage may be regarded as an attractive benefit to help you draw and retain the best talent. Businesses can purchase policies under group health insurance that covers many employees at once and often at a reduced price compared to individual plans. This not only fosters the well-being of workers but also improves job satisfaction and loyalty.
The company can pay for private medical care insurance for owners of businesses or companies, directors, or self-employed individuals. This might be shown as a company expenditure with potential tax benefits. However, it’s necessary to understand how premiums and benefits are taxed because they could be treated differently depending on various factors, such as taxes applicable within specific jurisdictions.
For example, insurance costings may be deemed as taxable benefit-in-kind, which means it attracts income tax plus national insurance contributions (NICs). To ensure you follow all regulations correctly while maximizing any available advantages, seek advice from tax advisors or accountants.