Understand the risk
We identify who depends on you, what is already covered and the financial gap that remains.
SPECIALIST PROPERTY FINANCE
Private medical insurance
Private healthcare options for directors, teams and employees. Speak to an adviser who will assess your full circumstances, not just a headline number.
No obligation · Initial conversation does not affect your credit score
Written and reviewed by Smart Mortgages specialistsReviewed 21 August 2026 · FCA reference 912358
How we help with private medical insurance
Good protection advice starts with the financial impact you want to guard against. We assess needs, existing benefits, budget, policy quality and underwriting before recommending suitable cover.
Compare suitable options
We compare policy definitions, benefits, exclusions, underwriting and cost, not price alone.
Put cover in place
We manage the application and explain any terms offered before the policy begins.
Private healthcare cover for individuals and teams
Private medical insurance can help eligible members access private diagnosis and treatment for covered acute conditions. Benefits, hospital lists, excesses and underwriting differ widely.
Individual and family
Select benefits around outpatient care, hospitals, therapies and family needs.
Company schemes
Provide cover for directors, employees or defined groups within the business.
Underwriting
Understand moratorium, full medical underwriting and switching terms.
Cost control
Balance excess, hospital list and benefit limits against the premium budget.
Your Smart Mortgages contact
Business and individual PMI enquiries will be matched to the appropriate protection specialist.
Private healthcare cover for individuals and teams FAQs
Are existing conditions covered?
Often not immediately. Treatment depends on the underwriting basis, policy terms and any exclusions applied.
Does PMI replace the NHS?
No. It complements NHS care and policies commonly rely on emergency, chronic and certain specialist services remaining with the NHS.
Can a business cover only directors?
Potentially, subject to insurer rules, scheme size and how eligibility is defined.
Specialist knowledge that can make the difference
Our team regularly works with private healthcare, company medical insurance and employee benefits. Policy wording and underwriting can differ significantly, so we compare suitable insurers and explain important limitations before you apply.
Frequently asked questions
Will I need medical underwriting?
Most personal protection applications include health and lifestyle questions. The insurer may request additional medical evidence depending on the cover and disclosures.
Can existing cover be reviewed?
Yes. We compare what you already have with current needs before considering whether any change is appropriate. Existing cover should not be cancelled until replacement cover is accepted and in force.
Can you help throughout the UK?
Yes. Our protection team supports clients across the UK by telephone and video as well as through our branches.