"Hassle-free experience. I recommend it 100%. Price and customer service is great, and the product itself (in this case private medical insurance), absolutely a must-have." – Adenir A
Contact Us! Call: 01327 221 452*Consultations, scans and minor surgeries only included if outpatient cover has been selected.
"Hassle-free experience. I recommend it 100%. Price and customer service is great, and the product itself (in this case private medical insurance), absolutely a must-have." – Adenir A
*Consultations, scans and minor surgeries only included if outpatient cover has been selected.
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.
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!
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.
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.
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.
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!
Protect your family with a lump sum or income in the event you pass away.
Find out moreProvides a lump sum in the event you are diagnosed with a serious illness such as cancer.
Find out moreReplaces your income in the event you can't work due to illness or injury.
Find out moreOur team of mortgage advisers are here to help get into your new home!
Find out moreMoving home, or due for remortgage? Our team will be sure to get you onto the right deal.
Find out moreWe love technology here, but we also understand that sometimes a human touch is needed, especially in financial services. That's why we have a team of trained and qualified insurance and mortgage advisers... not a call centre with sales people.
Our team of advisers are here to give you the most suitable advice for your circumstances. Each and every member of our team have a few simple goals: to help you borrow money responsibly, to help you understand how to cover off your risks, and most importantly to help you do these things in a cost effective way that fits your financial circumstances ...Simple really
We like to reward our customers for doing the right thing...
When you take out Life Insurance, Critical Illness Cover or Income Protection you get up to £150 (or £25 when you arrange a Mortgage) to spend at hundreds of well-known retailers.
When you take out any insurance policy or mortgage through us you're automatically eligible for a FREE Will Writing kit, because protecting your family is what we do.
How our voucher reward works (insurance): When you take out Term Life Insurance, Critical Illness Cover or Income Protection through Blue Light Money you are eligible for our "insurance voucher reward" offer. The amount of your voucher is calculated by the size of your first monthly insurance policy premium, rounded up to the nearest £5. For example, if your total policy premium (for all policies you have placed into force) was £46.50 per month, you would get a voucher reward worth £50.00. The voucher reward is payable only when your policy/policies are active and is issued 3 calendar months after the latest policy start date. The voucher is issued by email, using the same email address you used when you applied for cover with us. The maximum "insurance voucher reward" per postcode is £150.00. If you allow any of your policies to lapse, or if any of your policies are in arrears prior to the intended voucher issuance date, then the voucher will be withheld until all policies are live and all payments are brought up to date. If for any other reason the insurer removes your policy/policies from active status or your policy/policies are in review, or further information is being assessed by underwriters before the intended voucher issuance date, the voucher will be withheld until all policies are “live” and premiums are paid and up to date again. This offer does not apply to Private Medical Insurance, Whole of Life Insurance, Business Protection, or Guaranteed
How our voucher reward works (mortgages):When you arrange a Mortgage, or a Remortgage through Blue Light Money you are eligible for our "mortgage voucher reward" offer. The amount of your voucher is £25.00. The voucher reward is issued only on successful completion of your mortgage, and is issued 3 calendar months after the date of completion. The maximum "mortgage voucher reward" per postcode is £25.00. This offer does not apply to Product Transfer Mortgages. We have a separate voucher reward offer for Term Life Insurance, Critical Illness Cover or Income Protection which is detailed above.
How our free will kits work: In the event you purchase a policy through Blue Light Money you will be eligible for a free will writing kit. Upon request we will send a will writing kit to you in the post no later than 14 working days following such request. Only one will kit per postcode. Will writing is not regulated by the Financial Conduct Authority
Wouldn't it be nice if your insurance did more than just cover the worst case scenario? Many of the policies we offer include all sorts of extra benefits including:
24/7 Digital GP Services
Mental Health Support Services
Best Doctors® - Second Medical Opinion
Rewards for leading an active lifestyle
If you want to find out more about additional benefits and services, then just speak to one of our advisers - they'll be happy to help!
Contact Us!