Private Medical Insurance Frog Financial Management

Private Medical Insurance

Quick access to medical treatment, with the freedom to choose who treats you, where and when.

Although most UK residents are entitled to excellent free healthcare from the NHS there can be significant benefits to having Private Medical Insurance.

Private Medical insurance pays all, or some of your medical bills if you’re treated privately (depending on the policy conditions). It gives you a choice in the level of care you get and how and when it is provided.

Private medical insurance can be beneficial if:

You want peace of mind that you can get diagnostic and treatment quickly.
You would prefer not to wait for NHS treatment.
You would prefer to stick to private hospitals where possible.
You want to be covered for drugs and treatment you can’t get on the NHS, like specialist surgery for sports-related injuries (depending on the policy conditions).

You don’t have to take out private medical insurance, but if you don’t want to use the NHS, you might find it hard to pay for private treatment without insurance, especially for serious conditions.

We can help you on different types of options available for both personal and business policies.

Find out more

Some of our Google Reviews

Excellent

Frog Financial Management5.0

Based on 223 reviews

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Stacey Higgs

6 days ago

Frog Financial management were brilliant! Greg was amazing, he walked us through the whole process and was very personable and knowledgeable! Would highly recommend!

Jack Mason

6 days ago

Frog Finacial have been amazing! Taking my wife and I through the process step by step with ease and clear information! Greg and Ruth are so easy to talk to, communicative and make what can be a scary process very reassuring. Will be recommending to anyone going through the same process!

Ben Fillmore

2 weeks ago

Greg and the team at Frog were very helpful in organising a mortgage for my slightly complicated situation and in offering various ways to optimise my borrowings. We found the one lender in the market who would lend on my criteria. We got there in the end and without them I doubt I would have been able to proceed with my purchase.

Joanne Cotton

2 weeks ago

I have not used a financial advisor before, so when looking for a local company I was drawn to Frog Financial Management; they had many recommendation in the local Facebook group. The experience I had from start to finish with my remortgage was nothing short of excellent. Greg contacted me the day after completing the online form, and was transparent and knowledgeable in advising me in the best mortgage for me and my financial goals. I will definitely come back to them for advice on other products in the future and will recommend them without reservation to my friends. Thank you!

Lynn O'Connor

3 weeks ago

I have used Craig, Ruth and the team at Frog Financial Management for a number of years. They have been consistently outstanding in the speed and quality of advice and execution.

I cannot recommend them any more highly.

Lucy May

1 month ago

We can’t rate Greg and his team highly enough for all the support and guidance they gave us while going through the process of buying our first home. We started with little knowledge of the process and were well supported the whole way through. Communication was excellent throughout and any questions were answered quickly and in detail. We would highly recommend for any first time buyer. Thanks team!

Samantha Kilbey

2 months ago

Greg at Frog Financial has been an extremely helpful in providing advice on our future move and current re mortgage. He’s kept us up to date with rate drops and given us the guidance we needed to figure out what options we had available to us.
We will definitely be using his services again in the future!

Sophie Pascoe

2 months ago

Frog have been amazing throughout my house buying process right from Craig's initial call and advice to seemingly everybody on the team being their to help and provide support be it with insurance, following up with solicitors, helping guide me on the mountain of paperwork needed - there is always someone there and ready to answer my questions. We are almost there - thank you Craig, Ruth, Fiona, Katie and Danni!

I would highly reccomend Frog Financial to anybody about to embark on the complicated process of house buying and the necessary insurances!

Kieran Busby

2 months ago

Frog has been absolutely brilliant as our mortgage advisor. From the first call right through to completion, Greg and team made everything clear, simple and stress free. They were always on hand to explain options, answer questions and keep things moving, which made a massive difference for us as first-time buyers.

The service felt personal, thorough and genuinely supportive. We ended up with a great deal and a smooth process from start to finish.

Would recommend Frog to anyone looking for a proper, reliable mortgage advisor.

Phillip Griffin

2 months ago

The Team really made the process of finding our first mortgage super easy and simple! We were first time buyers and really appreciated the guidance and advice we were given to find the best possible product for us.
I would highly recommend this firm to anyone one of my friends and family.

Catherine Reyes

2 months ago

Great service and the team is super knowledgeable. I highly recommended them, especially for FTB!

Abbie Jade

3 months ago

I can’t thank the team at Frog Financial enough for all their help in securing my mortgage. The whole process felt quite stressful at times, but they were supportive and reassuring throughout. They kept me updated every step of the way, explained everything clearly, and were always quick to respond to any questions I had. Thank you!

Caroline Bunn

3 months ago

I was recently helping my Dad to raise extra cash by Equity Release. Craig clearly knew the market really well and was able to find a suitable lender. All the team, including Ruth and Fiona made the process easy and straightforward. I would definitely recommend Frog Financial Management

Yasmin Vhora

3 months ago

Craig & Danni have both been very helpful in the complicated process of getting the right mortgage for us, and sorting our life and income protection insurance. They were communicative through the whole process and would highly recommend Frog

Monika Lukomska

4 months ago

We’ve been really impressed with how helpful and responsive Ruth, Greg and Fiona have been throughout the process. They managed to get our mortgage application turned around within a week, which was fantastic. As first-time buyers, we had a lot of questions, and they always took the time to answer everything clearly and patiently. What we appreciated most was that they were never pushy regarding additional services and how to approach situations — they gave us all the information we needed to make our own decisions, which is rare and really refreshing nowadays.

Richard Walker

5 months ago

We recently worked with Frog Financial to explore an equity release loan for our elderly parents and were extremely impressed with the support we received from Craig, Ruth and all at Frog Financial throughout the process.
Even though our situation changed and we didn’t end up moving forward with the loan, we are grateful for all the help received. Their professional and supportive approach made a difficult situation easier to navigate. We would highly recommend Frog Financial to anyone seeking sound financial advice.

Cameron Hay

5 months ago

Used Frog Financial for purchasing my first property and they have gone above and beyond, helping me every step of the way. Very knowledgeable and great customer service. Would Recomend!

Tim Moult

6 months ago

Craig is an excellent advisor, we had relatively unusual requirements for 2 mortgages and he spent a lot of time explaining our potential options so we would end up with the best fit for us.

Ruth was also fantastic at following things up for us and keeping us informed of how applications were progressing.

Would definitely recommend Frog to anyone looking for a mortgage or insurance.

mario alvarez botero

6 months ago

Gracias a Danni West ( Frog Financial Management ), pude asegurar mi casa en Inglaterra pues, Danni, muy cortés y profesionalmente, me puso en contacto con una compañía de seguros inmobiliarios que, se interesará a ofrecerme un seguro ya que, Yo vivo en España por lo tanto, soy un propietario ausente y según parece esto es un impedimento para muchas aseguradoras.
Estoy muy agradecido con Danni por su invaluable ayuda, ha sido una gran experiencia.

Rendell Willett

6 months ago

Found the service to be extremely helpful and efficient in dealing with my property portfolio. I've been with them many years and I'm always satisfied with their mortgage quotes

James Devine

6 months ago

Frog has provided a great service to me and my partner as we arranged our first mortgage.
As FTB, it is a daunting process, with a lot of questions from us on the hows, whens, and whats. Greg made this less so, answering all questions clearly, and helping us to understand things. Not only this, Frog helped us to find the best rate available to us.
Lastly, Greg & Danni helped us to understand which personal insurance policies were best for us, taking the time to explain in layman's terms how each one could benefit us (or not), depending on our needs.
All in all, Greg & Danni have been a valuable part of our mortgage journey, and I would not hesitate to work with them again in the future.

Tia Mirshahi

6 months ago

Greg and team were incredibly helpful in guiding us through the process of securing our first mortgage at the best possible rate. Everyone we interacted with at Frog Financial was friendly and always available to support and answer any questions we had - we are first time buyers so their advice and expertise was much appreciated! Greg and Danni also gave us all the information we needed to choose the right options for life insurance and income protection that is tailored to our needs. We couldn't be happier with our experience and would definitely recommend their services.

Joe and Katherine O'Donnell

6 months ago

Had a great experience with Frog with our recent remortgaging after being recommended to them by Frosts in Amersham.

Greg was extremely knowledgable and made a daunting process significantly easier - he was friendly, extremely clear and answered any questions or concerns we had throughout the entire process.

Greg really listened to our circumstances and it was clear he wanted an outcome for us that fit our needs, there was never any sense of trying to upsell or push us towards something that did not fit our needs and we reached an outcome we were extremely happy with.

Greg’s approach was extremely fair and it was clear that Frog Financial is far more interested in building a lasting relationship ship with their clients. I would not hesitate to approach Greg and Frog Financial again and will absolutely be using their services again when we come to our next application!

Sage Kershaw

6 months ago

Grey was the ABSOLUTE BEST!!!!! He was so fun, let us have aux and made us feel so comfortable and showed us around the area and gave his favorite recommendations!! Will be calling him all week!

Paul Murphy

7 months ago

Frog Financial Management have been excellent throughout the process. Craig and Ruth provided clear advice, quick communication, and a very professional service from start to finish. Nothing was ever too much trouble, and they made everything straightforward and stress-free.

Would highly recommend to anyone looking for trustworthy and efficient financial advice.

Chloe Taylor

9 months ago

Greg and the team at Frog were brilliant in helping us prepare our finances and then arrange the porting of our mortgage for our recent house move. Greg provided consistent support and tailored advice whenever needed, and made the mortgage process as stress free as possible. The Frog team also helped us with setting up some better life protection for ourselves and our kids. We would highly recommend Greg and the team at Frog to anyone looking for mortgage specific or broader financial advice.

Samah Hussain

10 months ago

As a first-time buyer, I had a lot of questions—and Greg was absolutely brilliant at answering every single one with patience and clarity. He was always super responsive and made the whole mortgage process feel much less overwhelming. Charley was also fantastic, helping me sort out buildings insurance quickly and efficiently while walking me through all the details. Danni took the time to explain all the insurance options thoroughly and in a way that made sense. Everyone I dealt with was friendly, knowledgeable, and incredibly supportive. I can’t recommend them highly enough!

Megan Griffin

10 months ago

We were recommended Frog Financial by some friends who had recently bought their first house, and we couldn't be happier! Greg was amazing from start to finish, keeping us informed throughout the process and always on hand to answer any questions we had. Charley also helped us find the right Buildings & Contents insurance for us, and had everything sorted & ready for exchange. We'll definitely be recommending the Frog team to any friends buying their first place!

Carla van der Sluijs

10 months ago

Frog were incredibly helpful when I approached them for a mortgage recommendation. Craig really took the time to understand what I needed and was very supportive throughout the process. Mortgages and the jargon around them can seem very overwhelming, especially to a first time buyer, but Frog made it a lot less stressful. Would definitely recommend!

Tannaz Rastegar

11 months ago

I can’t recommend Charley highly enough! From the very start, she made the process of getting my building and contents insurance seamless. She provided me with a list of options, sent detailed and informative emails, and was incredibly flexible, kind, and patient throughout.

The whole experience has been fantastic, professional, efficient, and stress-free. The member portal is another great addition, making everything even more accessible and straightforward.

I was so impressed that I even told my solicitor to recommend Charley to her clients. If you’re looking for someone who truly goes above and beyond, Charley is the one to trust. 100% recommend!

Denis Bywaters

11 months ago

I went to Frog for mortgage advise on buying a second property. Initially Greg provided me with various options available to me and spent the time explaining the pros and cons of each. This made choosing the right option very easy, feeling confident with my choice. Likewise, Charley was a great help with finding me the right insurance for my new property and landlords insurance.

Se7en Group

11 months ago

Thoroughly professional and superbly efficient service. Moving home is stressful enough. My buildings insurance was at least one thing I did not have to worry about.

sophie Stockton

12 months ago

I cannot recommend Frog enough. They have been so helpful and supportive.
They have helped us to buy our first home and they were a huge helping hand when we had no idea where to start.
Thank you so much for making the house buying process almost completely stress free.

Sammy Isaacs-Johnson

12 months ago

We were recommended Frog by a family friend, and they have been absolutely brilliant through the whole house buying process. As first time buyers, the whole team has been so supportive always answering phone call and emails. Greg was so supportive when it came to our mortgage inquiries, very helpful and personable. Charley and Danni have been so helpful with insurances and Will writing, and we look forward to using them again in the future.

Nick Jones

1 year ago

Frog Financial are definitely well worth a 5 star review, Greg and the team are fast, efficient and professional and always seem to put the customer first.

Mukesh Singh

1 year ago

Frog financial management services provided us excellent help during purchase of our sweet first home in UK. Greg our advisor was very helpful, soft spoken person. Despite of my limited visa, Greg helped us to get mortgage with best available rate in the market.
Highly recommended

Danielle Louise

1 year ago

I couldn’t recommend Frog Management more. Greg made the mortgage application process really easy for my boyfriend and I who were first time buyers. I’d first been in touch with Greg a year prior when we started our property search and once our offer was accepted I got straight back in contact with Greg who was prompt to get everything moving for us. I would highly recommend Frog Management!

Aaron

1 year ago

The team at Frog have been fantastic throughout the entire process. Providing great advice and having a proactive approach, I can't recommend them enough!

Sam E

1 year ago

The whole team at Frog were outstanding for us. Greg was our contact for our Mortgage application and he couldn't have been more helpful. He was always available and happy to help with anything, very knowledgeable and we really felt like he wanted the best for us. Charley and Danni also assisted us with insurance cover and they were very helpful and knowledgeable when it came to understanding the policies. They regularly checked in to see if they could help with the whole process, which was greatly appreciated. All the team made the house moving process that bit less stressful and are thoroughly recommended.

Maliha Zaidi

1 year ago

I recently worked with Charley to set up my contents insurance, and I couldn’t be happier with the experience. She was incredibly knowledgeable, professional, and took the time to explain all the details of the policy, ensuring it met my needs perfectly.

The process was smooth and efficient, and Charley made sure I understood exactly what was covered and how the policy worked. She also provided excellent customer service, answering all my questions promptly and with patience.

I highly recommend Charley to anyone looking for reliable insurance advice and support. Thank you for making this process so easy and stress-free!

Tom Roberts

1 year ago

I can't recommend Frog Financial Management enough!
They were friendly, helpful and really responsive. It really felt they went above and beyond for us (saving us a few extra quid too).

Jolijn Bronneberg

1 year ago

Had a great experience with Frog Financial management. They work proactively, give good advise and are always quick on the ball. Would very much recommend.

Owen Adkins

1 year ago

If you're looking for mortgage, insurance or any other financial protection advice, you really couldn't do any better than Greg, Charley and the rest of the Frog team. Since putting our house on the market, Greg was very quick to respond and generous with his time - always explaining things clearly and what our options were. With Frog's support, we had trust that we were making the right choices for our family.

John Vassallo

1 year ago

The team at Frog are oustanding. A big thanks to Charley (who is amazing) at helping with my home insurance.

Thank you very much

Tom Harding

1 year ago

I can't thank Frog Financial enough! They made buying our first home so easy and stress free. Greg was so helpful throughout the whole process and really took time to explain things in detail. The rest of the team were also super helpful and proactive and so responsive to our emails and phone calls. I honestly cannot recommend them enough!

sarah heduan

1 year ago

Greg, Ruth & the whole team at Frog Financial have been amazing at securing mortgages for myself and my sister. We have had lots of changes & challenges and they have been very helpful & quick at responding to multiple questions! For myself, being self employed, Greg worked wonders to find a lender that worked. Fingers crossed until it all completes!

Lesley Ashton

1 year ago

I highly recommend Frog Financial Management. Charley is fantastic, so helpful and sorts us out every year. Than you

Sacha Podda

1 year ago

Can't recommend Craig and his team enough! Amazing family ran business who will work tirelessly to provide you the best service. Got us exactly what we wanted and was always just a phone call away if we had any queries or needed some advice and support.
Will definitely be using them again.

Katie Bryden

1 year ago

I could not recommend using Frog financials more!

They are quick to reply to any queries via email and on the phone. They provide well informed advice and are exceptionally friendly when answering questions.

I will definitely be using them again in the future!

Emma Hooley

1 year ago

Greg and the team have been super helpful throughout the whole mortgage process! Greg has explained each part of the application with great detail to make sure we understand it fully. They were prompt in their replies and made this a completely stress-free experience, highly recommend!

Please note, for these insurance products, terms and conditions apply. This information is a summary only. You will receive a full policy document upon application. This policy will set out the terms, conditions and limitations of cover provided under the plan. Private Medical Insurance will be referred to our partners and no advice will be given by Frog Financial Management Ltd.

Get the peace of mind you want.

What does it cover?

Like all insurance, the cover you get from private medical insurance depends on the policy you buy.

Basic private medical insurance usually picks up the costs of most in-patient treatments (tests and surgery) and day-care surgery.

Policies can be extended to provide out-patient treatments (such as specialists and consultants)

Some policies pay you a small fixed amount for each night, should you have to spend it in an NHS hospital.

Who doesn’t need private medical insurance cover?

You don’t need private medical insurance if:

You’re happy to rely on the NHS for your care
You already have medical insurance through your employee benefits package
You can pay for individual treatments – if you have sufficient savings it might be more cost effective to pay for any treatment you might need privately than to pay regular insurance premiums.

Pros

Significantly reduce the waiting time, when compared to the NHS.
Specialist referrals. You can ask your GP to refer you to an expert or specialist working privately to get a second opinion or specialist treatment.
Get the scans you want. If the NHS delays a scan, or won’t let you have one, you can use your cover to pay for it.
Choose your surgeon and hospital. You can (in theory) choose a surgeon and hospital to suit your time and place – which isn’t possible on the NHS.
Get a private room. You can use it to get a private room, rather than staying in an open ward which might be mixed-sex.
Specialist drugs and treatments might be available. Some specialist drugs and treatments aren’t available on the NHS because they’re too expensive or not approved by the National Institute for Health and Clinical Excellence in England and Wales (NICE) or the Scottish Medicines Consortium (SMC).
Physiotherapy. You get quicker access to physiotherapy sessions if you have insurance than you would through NHS treatment.

Cons

Individual policies can be pricy – and the price will go up. A typical family premium (two adults in their 40s and two children under 10) can vary from £700 to £1,800 per year. Premiums will rise every year, and with age – so by the time you’re older, and more likely to need hospital treatment, you might not be able to afford it.
Chronic illnesses aren’t usually covered. Most policies don’t cover chronic illnesses which are incurable, such as diabetes and some cancers.
There might not be any local treatment options. If you choose a policy with an approved list of consultants and hospitals this might not include the expert consultant you want to see or a convenient location for treatment.

Alternative Options

Use savings for all or part of your medical costs – around one in five private patients do this. Hip and knee replacements cost an average of £10,000 each, while MRI scans cost from £500*. You can shop around for scan prices – your GP can help you do this. *Source – The Money Advice Service
Just pay for a private consultation if you want an expert or second opinion. Then, if necessary, your consultant will refer you back into the NHS for treatment.

Other types of insurance to consider

If you fall ill or have an accident and can’t work, you might find it hard to keep up mortgage payments or handle the bills – especially if you don’t have enough savings or sick pay from your employer.

Your priority should be insurance that keeps you out of financial difficulty such as income protection.