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The quotation service is completely FREE & you are under no obligation to purchase.
This type of policy can cover the cost of planned consultations (including same-day access to GPs), scans, treatments and operations through the private healthcare sector. It doesn’t provide financial protection like critical illness cover or income protection, but it will get you faster access to healthcare when you need it. Existing health conditions are typically not covered. Read more
Director's Private Health Insurance is a form of insurance coverage that Directors can purchase to access private healthcare services. Unlike the National Health Service (NHS), which provides free healthcare services to residents, private health insurance allows individuals to receive medical treatment from private hospitals, clinics, and specialists.
Key features of private health insurance in the UK include:
It’s important to note that private health insurance does not replace the NHS; individuals can still access NHS services even if they have private insurance. Additionally, not all medical conditions may be covered by private health insurance, and policies vary in terms of coverage, exclusions, and costs. Before purchasing private health insurance, individuals should carefully review policy details and consider their specific healthcare needs.
This type of policy pays out a regular monthly benefit should a company director become too ill or injured to work. It is popular with contractors and directors working in their own limited company and covers up to 80% of their income (wages or dividends) in a tax-efficient way.
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Executive Income Protection operates in a very similar way to Personal Income Protection, providing a regular income if the person insured is unable to work due to illness or injury.
The main difference between the two types of policy is that Executive Income Protection can cover up to 80% of the individual's income, whether from wages or dividends or both, whereas most standard policies typically only cover up to 60%.
As such, it is an attractive benefit for high-earning small business owners and contractors.
The cost of the premiums is determined by how much cover is required, the age of the individual to be covered, any existing or past health conditions, what their current role entails, how long the cover is to last, and how long they are prepared to defer the first payment.
The premiums are paid by the company and are tax-deductible, which is an additional saving compared to personal policies.
Along with other benefits available, Executive Income Protection can be a valuable component of an overall financial plan, especially those with high incomes and significant financial responsibilities.
This type of protection cover will require two separate policies for a company director as critical illness cover is classed as a benefit-in-kind (unlike the life insurance element - see above) and will not therefore quality for a tax exemption on the premiums.
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For free advice, speak to a UK based adviser on
0333 987 3960* (9am-5pm Mon-Fri)
The telephone service is provided in partnership with BQI Protection Ltd and the quotation service is provided by an FCA-authorised insurance specialist
It is possible to be protected with a life insurance or critical illness policy within 20 minutes provided the insurer does not require a GP report or medical.
A GP report or medical is normally required for large amounts of cover (over £400,000), or if your BMI is over 30, or you have any significant ongoing or past medical issues, or if you are involved in dangerous job or high risk hobby.
Find out how much cover you might need by using our simple online calculator. It will take into account your outstanding mortgage, any loans or credit cards, your monthly income and how many children you have.
Ultimately the right amount of cover is often a balance between what might be an ideal figure and what you can sensibly afford.
We have tracked down the very best protection insurance advisers in the UK to ensure you have access to great advice and the best products from the leading insurers.
Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.
Outstanding service and knowledgeable customer service rep. I received a call as promised in my email. Marie was very knowledgeable in her subject matter, she took some basic details and was very polite and courteous in her manner.
Marie was very sensitive when discussing personal circumstances and listened carefully and showed...
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