Private Medical Insurance
Quick access to medical treatment, with the freedom to choose who treats you, where and when.
Google Rating
5.0
Based on 173 reviews
Frog Financial Management Mortgage Brokers Rickmansworth
5.0
sarah heduan
1725377138
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
1724154889
I highly recommend Frog Financial Management. Charley is fantastic, so helpful and sorts us out every year. Than you
Sacha Podda
1724067412
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
1723557747
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
1722871153
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!
Paul Singh
1721049224
Very professional and knowledgeable service with great detail and kindness, I have been using frog services now for 12 years and am very happy with the products they find for me
Simon Gardner
1720201499
After trying various agents and insurers, Frog FM was able to secure exactly what I needed and for a reasonable premium. Professional and friendly service. I know who to go to first next time!
Roger James
1719570412
I first contacted Frog several years ago and they are now my "go to" company for all financial matters and advice. I have always found them friendly, efficient and easy to deal with, and I applaud their ability to convert "financial jargon" into everyday understandable language.I also especially appreciate that they will contact and remind me when I need to review some aspect of my finances. I can without hesitation fully recommend Frog and all their team members
Alex Woodford
1718270992
Charley and Danni have been exceptional in assisting me with managing my insurance requirements. They offer an outstanding and effortless service.
mireille lavollee
1718203179
Amazing.Charley and Greg were amazing in listening to my needs and being able to offer the best solution for me.Thank you Charley for your patience with me. You have been incredible.I like the fact that they are a local company.I strongly recommend them.
Samantha Simpson
1713710984
I have used Frog Financial for several mortgages and cannot recommend them enough. Extremely helpful, professional and efficient and always going above and beyond to make the process as smooth as possible and finding the best options for me. Everyone in the team is brilliant to work with and I will of course be using them for all future mortgages! Sam x
Tom Evans
1713279680
I dealt with Greg to get a mortgage on my first property - he was fantastic, helped educate me on the process as well as coming up with outside of the box solutions, really happy with the service and will 100% use him again in the future.
Jason Benn
1712763206
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.Helena & Jason
Carl Goodman
1712568081
Greg and the team at Frog Financial have been excellent with finding me a mortgage a couple of years ago and managing the renewal recently. They have been able to find the best deals in the market and provide good options and advice based on our conversations. They are friendly, attentive and responsive and I highly recommend them.
andrew grant duff
1709556163
Excellent service from Charley on a non-standard building and contents insurance. She was prompt, and knowledgeable, and helped clarify various issues
Elena Prokopiou
1708805074
Phenomenal service. I have and will recommend Frog Financial to everyone. Informative, helpful, great communication, so kind, and we really felt like the whole team cared about us. Took so much of the stress out of the process. We have no doubt that we will use Frog again! 🐸
William Oakes
1708085925
Arranged our mortgage deal and building insurance with Frog. They were really helpful throughout the whole process and we would have no hesitation at all recommending to others.
K.K. Gres
1707130758
Just the best, Greg helped me find a mortgage for my first property when other mortgage brokers couldn't find one to fit my needs. They were great answering any questions I had and helped me a lot throughout the house buying process. Also helped find and set up house insurance. Will be continuing to use them in the future and I highly recommend them.
Dave Shirvell
1706109059
I was directed to Frog Financial in September 2018 and received excellent financial advice and general guidance. Since then I have requested them to investigate house insurance for me and have always signed up to the suggested policies.I would have no hesitation in suggesting they are approached by my friends to discuss their requirements.
Jackie Samuel
1705480246
Charley was fantastic to work with. She was super efficient, working swiftly to find the best deal and to make it happen. I would be thrilled to recommend her and Frog Financial.
Lawrence Mills
1705081739
The team at Frog did a stellar job of our remortgage, they took the stress out of the process with prompt, friendly and most importantly informative communication which made the whole process a breeze. We would not hesitate Frog to anyone. Thank you!
mark jordan
1704296797
I have been using Craig and Greg for 3 years and I have been very impressed with the service from Frog. The mortgage solutions that I required were fairly unusual and Greg was able to provide a bespoke service to suit my needs.
samantha strudwicke
1702916550
Amazing financial service from Greg and his team.Really friendly, approachable and efficient. No waiting around for anythingGreat knowledge on helping me, they were also very patient and made the experience stress free. I will be recommending them to anyone needing help with mortgage /financial mattersFeel more secure now with help and advice given. Will be back again in 2 years
Clare Over
1702496481
Amazing service...always a very professional and quick service. Would definitely recommend:)
Alice B
1702387954
I had a great experience with Frog Financial Management. Right from the start Greg was super reassuring and knowledgeable. As first time buyers we had a lot of questions and the whole team were always on hand to answer them. Greg, Danni and Charley were beyond helpful, always responsive and got everything that we needed sorted out, which added some peace of mind to what can be a scary process!
Ben
1700132135
Frog Financial have been sourcing property finance for me for several years. Always on hand to offer advice in the ever changing and complex world of mortgages! Charley can also source competitive property insurance.
D Farrow
1699305350
Craig,Ruth and the team have been fantastic.After a bad experience with another advisor, I contacted Frog.From the start Craig explained exactly how he would apply for the mortgage.My application was not straightforward as I had been Ltd for only one year.Craig, Ruth and the Frog team were extremely persistent at getting me the mortgage and always kept me updated and informed ,even calling out of hours for some reassurance.They are very professional and genuinely nice people, and great at what they do.I cannot recommend them highly enough.
Girish BP
1699089350
Excellent service, very proactive and quick to source our insurance policy renewal options from the market. Would highly recommend them. Charley has been providing great service to us.
AK
1698947412
I’ve used Frog Financial services for nearly 3 years in a row for my home contents insurance. Charley is beyond professional and helpful and is always willing to to go above and beyond with any questions I may have. I would high recommend their services!
Mandy Kent
1695728117
I have just used frog financial management for equity release. They were helpful and informative. They helped me every step keeping me well informed. Thankyou to all the team, I would definitely recommend them.
Megan Booth
1695214306
I wouldn't go anywhere else for mortgage help than Frog Financial. They are so helpful throughout the whole process and no question is too big or too small for them. I'd recommend them to anyone.
Grace Kearns
1693823190
Couldn’t recommend higher. Fantastic team from beginning to end. Managed to secure me a great mortgage even in these tricky times.
olubunmi ogunniyi
1693763469
Usually, I am always reluctant in giving out services base on google search as I believe in referrals for certain important & delicate things like getting a mortgage application done perfectly well. However, I will say my opinion has now changed based on the professionalism and way my application was handled at Frog! I am grateful to Craig, Val, and the whole team at Frog- You all have made me realise that a client does not need to be seen face to face before a great client base work can be carried out! Well done for the fantastic job done in getting my mortgage application through, hitch free. I am happy I made the decision to bet on you when my initial broker disappointed me :). I will recommend Frog to friends, family and anyone reading this.
Clare Denny
1693417647
Frog are completely on the ball. They source competitive rates and email us when our insurances need renewing - ensuring year on year that we get the best deal. They have sourced our mortgage for over 6 years and given us financial advice regarding our Wills and life assurance. We wouldn’t be without them. Thank you to Craig, Charlie and the team. You have made a huge difference to reducing our stress with financial worry.
Laura Owen
1692658222
Friendly and helpful from the get go - thank you Greg & the team for all your help securing our mortgage as first time buyers! As a self-employed business owner (with a part time job) it was really difficult to know how lenders would take my different income streams into account. Greg explained everything with clarity and made an overwhelming amount of facts and figures seem simple and coherent. If I could give more than 5 stars I would!
Dan Muckle
1692380143
I couldn’t recommend Frog enough. Our advisor Greg’s advice is always thorough and up to date with the latest market trends. Greg has been meticulous in explaining the nuances of my partner and I’s financial situation with clarity, which has empowered us with the confidence to make sensible informed decisions. I’m not confident that we would have managed to secure the mortgage offer that we have had we gone elsewhere. Everyone at Frog has been very friendly and approachable and are a pleasure to work with!
Anthony Gilbert
1692354736
We have used Frog since our first house move in 2007. We have continued to use them on subsequent moves and when we remortgage - they take the hassle out of everything and are very quick to address things that come up before they become issues. We recently used frog to help identify the best house insurance - Charley was excellent! We are very happy with the service and continue to use them. Friends and family have been satisfied with Frog too and we will continue to recommend their excellent service!
Michele St Arnaud
1692347238
I Highley recommend Frog! I dealt with Craig and Charley mostly who where very patient with me explaining the process in detail as this was my first time securing a mortgage. Great communication with emails and calls answered speedily. Thank you Frog!
Francys Frear
1690902911
Absolutely recommend Frog! My husband and I dealt with Greg who was incredibly thorough and helpful with getting us a new mortgage. He gave us very in-depth information on the process but used very understandable terminology so it didn't feel like he was speaking gibberish haha! He also got us a great life insurance upgrade opposed to our previous provider and we really appreciated that!Go use them for your next remortgage pronto!
David Jarvis
1689863783
Very professional company who clearly understand the elements needed to secure a mortgage. Used them a few times and always been impressed with service.
Sam Causley
1689700911
Really wonderful people to deal with. They checked in regularly, always keeping an eye out for better rates for us during our house buying process. They were always quick to remember our exact situation and we always felt they had our best interest at heart. Look forward to interacting with them again.
Zoe Lancaster
1689165231
I usually tend to do my own home/content quotes but as life has been so busy lately and have been speaking to Frog about remortgaging I thought I would ask them. So glad we did saved me having to get lots of different quotes and read through the information as was after a like for like quotation. They couldn't have been more helpful and informative. Will definitely be using again!
Lucy Frankson
1689012046
I was recommended to Frog by a friend and was super impressed by the personable and professional service I received. I found everyone to be really friendly and helpful and want to give a special thanks to Greg and Charley for not only sorting my remortgage, but for setting up my home insurance too.Will definitely be using again in the future!
Andrew Field
1686857269
We have used Frog for many years for arranging our mortgage and have always been impressed by the options provided and professional support.
Mark Dudley
1684756936
Great company, Craig and the team worked hard and resolved any problems they encountered. I would definitly use their service again and have already passed their details to friends looking to buy.
Andrea Haslam
1683737664
Great experience using Frog, the team are very responsive and professional, would highly recommend!
Petar Kirilov
1683725187
Having used Frog Financial intially for a FTB application and now for our remortgage, the Team have been fantastic in supporting us. Everyone is super responsive and happy to answer any questions along the way - which was particularly useful being a FTB, where the whole mortgage process seems so convoluted and complex. When it came to remortgage time, I knew we were in safe hands and didn't have to worry too much. Greg, Ruth, Craig, Emiley, Charlie and team are highly professional and always go the extra mile.Would definitely recommend to anyone looking for a mortgage and insurance broker that gets stuff done!
Anna Hristova
1683719076
This is the second time we use Frog (first time for buying our house and now for remortgaging) Both times everyone in the team has been extremely helpful and they have always managed to find us the best deal and act with lightning speed when needed. Thank you for all that you do.
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
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!
I highly recommend Frog Financial Management. Charley is fantastic, so helpful and sorts us out every year. Than you
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.
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!
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!
Very professional and knowledgeable service with great detail and kindness, I have been using frog services now for 12 years and am very happy with the products they find for me
After trying various agents and insurers, Frog FM was able to secure exactly what I needed and for a reasonable premium. Professional and friendly service. I know who to go to first next time!
I first contacted Frog several years ago and they are now my "go to" company for all financial matters and advice. I have always found them friendly, efficient and easy to deal with, and I applaud their ability to convert "financial jargon" into everyday understandable language.I also especially appreciate that they will contact and remind me when I need to review some aspect of my finances. I can without hesitation fully recommend Frog and all their team members
Charley and Danni have been exceptional in assisting me with managing my insurance requirements. They offer an outstanding and effortless service.
Amazing.Charley and Greg were amazing in listening to my needs and being able to offer the best solution for me.Thank you Charley for your patience with me. You have been incredible.I like the fact that they are a local company.I strongly recommend them.
I have used Frog Financial for several mortgages and cannot recommend them enough. Extremely helpful, professional and efficient and always going above and beyond to make the process as smooth as possible and finding the best options for me. Everyone in the team is brilliant to work with and I will of course be using them for all future mortgages! Sam x
I dealt with Greg to get a mortgage on my first property - he was fantastic, helped educate me on the process as well as coming up with outside of the box solutions, really happy with the service and will 100% use him again in the future.
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.Helena & Jason
Greg and the team at Frog Financial have been excellent with finding me a mortgage a couple of years ago and managing the renewal recently. They have been able to find the best deals in the market and provide good options and advice based on our conversations. They are friendly, attentive and responsive and I highly recommend them.
Amazing team could not have done it without them.
Excellent service from Charley on a non-standard building and contents insurance. She was prompt, and knowledgeable, and helped clarify various issues
Phenomenal service. I have and will recommend Frog Financial to everyone. Informative, helpful, great communication, so kind, and we really felt like the whole team cared about us. Took so much of the stress out of the process. We have no doubt that we will use Frog again! 🐸
Arranged our mortgage deal and building insurance with Frog. They were really helpful throughout the whole process and we would have no hesitation at all recommending to others.
Just the best, Greg helped me find a mortgage for my first property when other mortgage brokers couldn't find one to fit my needs. They were great answering any questions I had and helped me a lot throughout the house buying process. Also helped find and set up house insurance. Will be continuing to use them in the future and I highly recommend them.
I was directed to Frog Financial in September 2018 and received excellent financial advice and general guidance. Since then I have requested them to investigate house insurance for me and have always signed up to the suggested policies.I would have no hesitation in suggesting they are approached by my friends to discuss their requirements.
Response from the owner: Has it been 5 years already! How time flies when you're having fun! Thanks Dave for your lovely review, it's always a pleasure!
Charley was fantastic to work with. She was super efficient, working swiftly to find the best deal and to make it happen. I would be thrilled to recommend her and Frog Financial.
Response from the owner: Thank you very much Jackie, I'll be sure to pass that on to Charley!
The team at Frog did a stellar job of our remortgage, they took the stress out of the process with prompt, friendly and most importantly informative communication which made the whole process a breeze. We would not hesitate Frog to anyone. Thank you!
Response from the owner: Thanks very much Lawrence, that's what we're here for, glad we lived up to expectations! And may I say, a big thank you for the doughnuts, we're all rolling around the office now!
I have been using Craig and Greg for 3 years and I have been very impressed with the service from Frog. The mortgage solutions that I required were fairly unusual and Greg was able to provide a bespoke service to suit my needs.
Response from the owner: Hi Mark, very good of you to take the time to write us a glowing 5* review, it's appreciated by all of us! We look forward to speaking with you again soon!
Amazing financial service from Greg and his team.Really friendly, approachable and efficient. No waiting around for anythingGreat knowledge on helping me, they were also very patient and made the experience stress free. I will be recommending them to anyone needing help with mortgage /financial mattersFeel more secure now with help and advice given. Will be back again in 2 years
Amazing service...always a very professional and quick service. Would definitely recommend:)
I had a great experience with Frog Financial Management. Right from the start Greg was super reassuring and knowledgeable. As first time buyers we had a lot of questions and the whole team were always on hand to answer them. Greg, Danni and Charley were beyond helpful, always responsive and got everything that we needed sorted out, which added some peace of mind to what can be a scary process!
Frog Financial have been sourcing property finance for me for several years. Always on hand to offer advice in the ever changing and complex world of mortgages! Charley can also source competitive property insurance.
Response from the owner: Thanks for your 5* star review Ben! It's been a few years already, and we look forward to many more years of working together!
Craig,Ruth and the team have been fantastic.After a bad experience with another advisor, I contacted Frog.From the start Craig explained exactly how he would apply for the mortgage.My application was not straightforward as I had been Ltd for only one year.Craig, Ruth and the Frog team were extremely persistent at getting me the mortgage and always kept me updated and informed ,even calling out of hours for some reassurance.They are very professional and genuinely nice people, and great at what they do.I cannot recommend them highly enough.
Response from the owner: Thank you so much Dean! It has been a testing one, but Craig's quite tenacious! Thank you for your patience, and I'm very pleased that we got there in the end! We're very happy for you both.
Excellent service, very proactive and quick to source our insurance policy renewal options from the market. Would highly recommend them. Charley has been providing great service to us.
I’ve used Frog Financial services for nearly 3 years in a row for my home contents insurance. Charley is beyond professional and helpful and is always willing to to go above and beyond with any questions I may have. I would high recommend their services!
I have just used frog financial management for equity release. They were helpful and informative. They helped me every step keeping me well informed. Thankyou to all the team, I would definitely recommend them.
I wouldn't go anywhere else for mortgage help than Frog Financial. They are so helpful throughout the whole process and no question is too big or too small for them. I'd recommend them to anyone.
Response from the owner: We do try hard to make the process as smooth as possible for our clients, so very pleased to hear that we've succeeded! It was a pleasure! Take care and speak soon.
Couldn’t recommend higher. Fantastic team from beginning to end. Managed to secure me a great mortgage even in these tricky times.
Usually, I am always reluctant in giving out services base on google search as I believe in referrals for certain important & delicate things like getting a mortgage application done perfectly well. However, I will say my opinion has now changed based on the professionalism and way my application was handled at Frog! I am grateful to Craig, Val, and the whole team at Frog- You all have made me realise that a client does not need to be seen face to face before a great client base work can be carried out! Well done for the fantastic job done in getting my mortgage application through, hitch free. I am happy I made the decision to bet on you when my initial broker disappointed me :). I will recommend Frog to friends, family and anyone reading this.
Response from the owner: Hi Bunmi, we really do appreciate you taking the time to say thank you! One month from application to completion made it a real pleasure! I'm glad we stepped up to the plate when you really needed us to! Thanks again, from all the team at Frog!
Frog are completely on the ball. They source competitive rates and email us when our insurances need renewing - ensuring year on year that we get the best deal. They have sourced our mortgage for over 6 years and given us financial advice regarding our Wills and life assurance. We wouldn’t be without them. Thank you to Craig, Charlie and the team. You have made a huge difference to reducing our stress with financial worry.
Friendly and helpful from the get go - thank you Greg & the team for all your help securing our mortgage as first time buyers! As a self-employed business owner (with a part time job) it was really difficult to know how lenders would take my different income streams into account. Greg explained everything with clarity and made an overwhelming amount of facts and figures seem simple and coherent. If I could give more than 5 stars I would!
I couldn’t recommend Frog enough. Our advisor Greg’s advice is always thorough and up to date with the latest market trends. Greg has been meticulous in explaining the nuances of my partner and I’s financial situation with clarity, which has empowered us with the confidence to make sensible informed decisions. I’m not confident that we would have managed to secure the mortgage offer that we have had we gone elsewhere. Everyone at Frog has been very friendly and approachable and are a pleasure to work with!
We have used Frog since our first house move in 2007. We have continued to use them on subsequent moves and when we remortgage - they take the hassle out of everything and are very quick to address things that come up before they become issues. We recently used frog to help identify the best house insurance - Charley was excellent! We are very happy with the service and continue to use them. Friends and family have been satisfied with Frog too and we will continue to recommend their excellent service!
Response from the owner: Thanks again Anthony for another 5* review! Look forward to speaking again in the not too distant future!
I Highley recommend Frog! I dealt with Craig and Charley mostly who where very patient with me explaining the process in detail as this was my first time securing a mortgage. Great communication with emails and calls answered speedily. Thank you Frog!
Absolutely recommend Frog! My husband and I dealt with Greg who was incredibly thorough and helpful with getting us a new mortgage. He gave us very in-depth information on the process but used very understandable terminology so it didn't feel like he was speaking gibberish haha! He also got us a great life insurance upgrade opposed to our previous provider and we really appreciated that!Go use them for your next remortgage pronto!
Very professional company who clearly understand the elements needed to secure a mortgage. Used them a few times and always been impressed with service.
Really wonderful people to deal with. They checked in regularly, always keeping an eye out for better rates for us during our house buying process. They were always quick to remember our exact situation and we always felt they had our best interest at heart. Look forward to interacting with them again.
Very easy process, good communication throughout. Would definitely recommend.
I usually tend to do my own home/content quotes but as life has been so busy lately and have been speaking to Frog about remortgaging I thought I would ask them. So glad we did saved me having to get lots of different quotes and read through the information as was after a like for like quotation. They couldn't have been more helpful and informative. Will definitely be using again!
I was recommended to Frog by a friend and was super impressed by the personable and professional service I received. I found everyone to be really friendly and helpful and want to give a special thanks to Greg and Charley for not only sorting my remortgage, but for setting up my home insurance too.Will definitely be using again in the future!
We have used Frog for many years for arranging our mortgage and have always been impressed by the options provided and professional support.
Great company, Craig and the team worked hard and resolved any problems they encountered. I would definitly use their service again and have already passed their details to friends looking to buy.
Response from the owner: Thank you for taking the time to write us a 5* review Mark, it's greatly appreciated! We look forward to working with you again in the future and to hearing from your friends when the time is right for them. Take care and speak soon.
Great experience using Frog, the team are very responsive and professional, would highly recommend!
Having used Frog Financial intially for a FTB application and now for our remortgage, the Team have been fantastic in supporting us. Everyone is super responsive and happy to answer any questions along the way - which was particularly useful being a FTB, where the whole mortgage process seems so convoluted and complex. When it came to remortgage time, I knew we were in safe hands and didn't have to worry too much. Greg, Ruth, Craig, Emiley, Charlie and team are highly professional and always go the extra mile.Would definitely recommend to anyone looking for a mortgage and insurance broker that gets stuff done!
This is the second time we use Frog (first time for buying our house and now for remortgaging) Both times everyone in the team has been extremely helpful and they have always managed to find us the best deal and act with lightning speed when needed. Thank you for all that you do.
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
