Insurance
Private health insurance
Whole-of-market protection advice. We compare leading UK insurers to find the right cover at the right price.
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Health insurance
Though the NHS provides healthcare services, some people still choose to protect themselves further with private health insurance. Health insurance provides additional control and quicker access to medical professionals, services and treatments. With health insurance, you can access medical treatment faster, have a say in where you’re seen and receive care that’s not available on the NHS.
At Everest Mortgages, we know finding the ideal health insurance policy can be daunting. There are a lot of providers, a lot of different types of cover, and grey areas about what’s covered, when and where. We simplify things by guiding you through the process, ensuring you find the ideal protection for your circumstances and budget.
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What is health insurance?
Health insurance helps to cover the cost of private healthcare, should you become unwell. You pay a monthly premium, and in return your insurer helps to cover the cost of private consultations, tests or treatments included in your plan. It’s designed to work alongside the NHS, not replace it completely. This means you can still use NHS services when you want to, but you can rely on your policy at other times.
With health insurance, you benefit from shorter waiting times, a choice of hospitals or clinics, and access to specialists, therapies or treatments that are only offered privately. The level of cover depends on the type of plan you choose, and it can vary from one provider to another.
We compare policies from leading UK insurers, including…
Types of health insurance
There isn’t a one-size-fits-all health insurance policy, as everyone is different, with different medical needs and budgets. This is why it’s important to work with Everest Mortgages, as we’re able to find health insurance policies that tick every box for you as an individual. Health insurance can be tailored to your circumstances, whether you’re buying for yourself, your partner or your whole family.
Individual health insurance is perfect if you want faster access to treatment and flexibility around where and when you’re seen, and joint cover protects you and your partner under a single policy. There are even health insurance policies designed for children. Family health insurance policies are also available, which provide cover for you, your partner and your children. This usually works out cheaper than buying multiple individual policies.
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5 reasons to get health insurance
A lot of people know that health insurance is out there, but many don’t give it a second thought, assuming the service the NHS provides is enough. Though there’s nothing wrong with relying on the NHS, and a great deal is covered, there are a number of benefits that come with private health insurance. It can be helpful if:
- You want more control over appointment times or hospital choice.
- You’re concerned about NHS waiting times for specialist treatment.
- You value access to private rooms or enhanced facilities.
- You’d like access to additional therapies or mental health support.
- You want peace of mind for you or your family.
There’s a sea of health insurance policies and providers out there, but don’t let that put you off. With the help of Everest Mortgages, you’ll be insured before you know it.
John Everest
Mortgage & Protection Adviser, Founder
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John is a CeMAP-qualified, whole-of-market mortgage adviser and Director of Everest Mortgage Services. With over 21 years in financial services, and a track record of 1,000+ mortgages arranged.
- 15-minute call, no commitment
- Whole-of-market, FCA regulated
- Clarity and confidence in your next move
14+
Years experience
1,000+
Mortgages arranged
Trusted protection advice
Why choose Everest Mortgages?
Independent protection advice that puts your family first, with cover built around your home, your health and your budget.
Cover that fits your life
Level or decreasing, single or joint. We match your cover to your mortgage, your family and what you actually need to protect.
We compare leading UK insurers
We aren't tied to any one provider, so we can compare policies across the market and recommend the right cover at the right price.
Help with medical conditions
A health condition doesn't have to mean higher premiums or a refusal. We know which insurers take a fairer view of your circumstances.
Policies written in trust
We help you put your policy in trust, so any payout can reach your loved ones quickly and may sit outside your estate for inheritance tax.
We handle the paperwork
From the application to underwriting questions, we deal with the insurer for you. We work around your schedule, evenings and weekends included.
Free consultation
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No credit checks
Your credit score won't be affected.
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FCA regulated
Fully authorised and regulated by the FCA.