Individual private medical insurance
Private medical insurance can help you access private healthcare when you need it most, bypassing waiting lists and getting you back on your feetPrivate medical insurance for individuals and families
Private medical insurance is designed to cover the costs of private healthcare for acute conditions, illnesses or injuries that respond to treatment and are likely to be cured. Instead of relying solely on public healthcare systems, having a policy in place can provide you and your family with peace of mind, access to private facilities, and greater control over the timing of your treatment.
Whether you are looking for a policy for yourself, your partner, or your children, there are many options available. NFP can help you understand your options, compare the market, and find cover that suits your personal circumstances, budget, and priorities.
How NFP can help
Choosing the right health insurance isn't just about looking at a price tag; it’s about understanding what you are actually covered for. As an independent adviser, NFP works for you, not the insurance providers.
Compare the market
We compare a wide range of insurers, helping you understand cover levels, terms and options.
Demystify the jargon
We explain the small print clearly, so you know what is included, excluded and important.
Find value
We help balance cover and budget, so you are not paying for features you do not need.
Ongoing support
We support you from application to renewal, providing clear advice whenever you need it.
What to consider when choosing cover
Not all policies are the same. When we discuss your requirements, we will look at several key factors to help refine your search:
Scope of cover
Does the policy cover just in-patient treatment, or out-patient and diagnostics too?
Excess levels
Selecting an excess can often help reduce your monthly premium, but it needs to be an amount you are comfortable paying should you need to claim.
Hospital lists
Different policies offer access to different networks of private hospitals. We check that your policy aligns with your local healthcare providers.
Pre-existing conditions
It is vital to understand how your medical history may affect your cover. We can guide you through the different underwriting methods used by insurers.
Speak to an adviser
Individual and group private medical insurance
NFP is also a market-leading provider of group and corporate private medical insurance. If you are a business owner or an HR leader looking to provide health benefits for your employees, we have a dedicated team that specialises in corporate schemes. We can help you transition from individual advice to business-wide benefits strategy whenever your needs evolve.
The best way to understand your options is to have a conversation with an experienced adviser. We are here to answer your questions and help you make an informed decision for your family’s health.