Private Medical Insurance
Quick access to medical treatment, with the freedom to choose who treats you, where and when.
Google Rating
5.0Based on 246 reviews
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
Louisa Russell
6 days ago
Fantastic experience with Frog Financial, I would not hesitate to recommend them! They have made everything very easy for me - this was my first property purchase and due to my situation it was a complicated application for my mortgage, they went above and beyond to make it work and then to find me a better deal. Thank you so much, especially to Craig, Fiona and Ruth who have been so helpful, patient and always responding to questions very quickly. The client portal they have is also very easy to use. Great company!
William Abbott
2 months ago
Greg and Fiona (and team) with Frog Financial were incredible, they made the whole process really smooth and hassle free. A great lovely team and experience - I'd use them again in a heartbeat.
Samantha Edwards
2 months ago
A fantastic company that supported us through the very long and difficult process of acquiring our childhood home. Craig, Ruth and the team were always available to answer any questions, as well as checking in with us regularly during the process. Would highly recommend.
Anna Zagorska
2 months ago
I recently received financial management support and was extremely pleased with the service provided. The team was professional, knowledgeable, and always available to answer my questions. They explained everything clearly, helped me understand my options, and guided me through the process with patience and expertise.
Their attention to detail and commitment to achieving the best outcome gave me confidence throughout. I felt supported every step of the way and would highly recommend their services to anyone looking for reliable and trustworthy financial management assistance.
David Mockett
2 months ago
Excellent service from start to finish. Professional, helpful, and always available to answer questions. Everything was explained clearly, making the whole process smooth and stress-free. I would highly recommend their financial management services.
Mark Bran
3 months ago
Greg has helped me purchase my first property, and throughout the process he gave 100% from start to finish. He answered all my questions promptly and in detail, providing all the information I needed to make the best informed decision. If you are looking to buy a new property, I highly recommend contacting him, as he is an absolute legend. I cannot thank him enough for his humanity and professionalism.
Jignesh Mehta
3 months ago
Great Team and Great People! You will never find a company who shows care and support like Frog Financial Management. Genuine people who always looks out for your interest and willing to help in any way possible.
Thank you so much Craig, Ruth and Fiona. I would love to give more than 5 stars as you guys truly deserve it! Keep up the great work!
Alastair Strauss
4 months ago
I had a really great experience with Frog Financial, especially Greg, who helped us put together quite a complex three-part mortgage so we could buy the house we really wanted.
What stood out was how he structured everything in a way that felt genuinely affordable and manageable for us, rather than just pushing what was possible. His knowledge is excellent, but more importantly, he explains things in a really clear, straightforward way, which made the whole process feel much less daunting.
It’s been a pleasure working with Greg and I’ll definitely be using him and Frog Financial again for future advice.
Stuart Goddard
4 months ago
Great Job! Really helpful and really quick to respond!
Great service, would definitely recommend.
Tracey Goddard
4 months ago
Excellent service, thank you!
N S-W
4 months ago
Frog, particularly Greg, has simply been amazing. We trusted him with getting us a mortgage after a stint overseas, which was a difficult ask. He helped us secure our dream home and was proactive in securing our renewal , saving us unending stress and costs. Frog Financial is a place you can trust. They have our business for life. Thanks!
Meg Riddington
4 months ago
Great service from Greg and the team, helping us think about the options in relation to our own personal circumstances.
Adam Connors
4 months ago
Excellent service, really efficient, took the time to understand our (non standard) requirements and discussed with us to find a good option. Good online portal to keep everything in order as well.
alok rai
4 months ago
I had fantastic experience with Frog Financial Management. From start to finish, team was very friendly, helpful and professional. The team delivered incredible high quality services. I highly recommended them to anyone looking for mortgage services. Thank you.
Alex Spring
5 months ago
First-time buyer. Everyone at Frog was great, very professional and helpful. 5/5, I would definitely recommend using them!
Carl Goodman
5 months ago
Excellent mortgage advice and a very personal service. Greg has been great at getting the best deal available for my mortgage and subsequent re-mortgages. Highly recommended.
James Rudge
5 months ago
When my fixed rate was up on my mortgage, Frog Financial Management were recommended to me.
Greg helped to find me a fantastic deal and, along with Charley, was extremely efficient, keeping me up to date at every step. The portal was easy to use for uploading documents and overall it was a pleasant and pain free experience. Thank you both.
I can not recommend their services highly enough - 5 stars is an understatement.
Sarah Carroll
6 months ago
I had a great experience with Frog financial management when they helped me with a new mortgage. Someone was always available to speak to and they were really helpful throughout the whole process.
Jason Benn
6 months ago
An exceptional service given. Everyone we have spoken with has gone above and beyond to help us and answer all questions we have. Can not recommend Frog financial management enough and will be using them again in the future.
Jason Benn
Jasmin
6 months ago
Fantastic service, great communication, very helpful and quick to reply to our queries. Thank you to the whole team!
J W
6 months ago
Helped us through our remortgage, fantastic experience, knowledgeable, quick & very helpful.
Couldn’t recommend them more.
H Oakes
6 months ago
A great experience, really good communication and they go above and beyond to help. Would recommend!
Gaganpreet Lyal
6 months ago
Great service, very clear and coherent. Always approachable and very knowledgeable in all areas. Huge thank you to Greg and Ruth.
Manmeet Lyal
6 months ago
Amazing team, coherent communication, tailor made advice and very easy to work with across Mortgages and Introduction to potential investments.
Corran Wood
6 months ago
Everyone at frog has been so helpful and knowledgable! From the first call I felt at ease and I was kept well informed throughout the process and had everything explained to me. There isn’t any pressure or chasing which is so refreshing! I couldn’t recommend them more, thank you!
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.
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.
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.
- 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.
- 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.
- 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.
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.
For more information or to discuss your Private Medical Insurance needs
