"Hassle-free experience. I recommend it 100%. Price and customer service is great, and the product itself (in this case private medical insurance), absolutely a must-have." – Adenir, TrustpilotGet Quotes Today! Call: 0800 270 0004
"Hassle-free experience. I recommend it 100%. Price and customer service is great, and the product itself (in this case private medical insurance), absolutely a must-have." – Adenir, Trustpilot
What is Private Medical Insurance for?
Private Medical Insurance is designed to give you and your family access to private healthcare when you need it. With NHS waiting lists growing longer and longer, having the ability to get treated quickly really can make the difference.
What does Private Medical Insurance cover me for?
Private Medical Insurance policies cover you for any medical condition that requires treatment that your GP can't handle. This could be seeing consultants, having scans and diagnostics performed, or more serious things such as surgical operations. Policies can also include other features such as alternative therapies, dental care, psychiatric treatment and optical cover!
Does it cover pre-existing conditions?
In most cases no, when you take out Private Medical Insurance you tend to find the insurers will exclude any health issues you have suffered with in the past 5 years. Once you have been with the insurer for 2 years, provided the excluded health issue hasn't caused symptoms, or required medication, treatment or advice, it usually becomes covered again.
Does Private Medical Insurance replace the NHS?
Though you can opt to use the private health system instead of the NHS for many ailments, it's best to see your Private Medical Insurance as a supplement to the fantastic treatment already provided by the NHS. The good news is, having a policy does NOT mean you are no longer able to use the NHS.
Can I switch if I already have Private Medical Insurance?
Absolutely you can, in fact we often save customers money when doing this. It's really important to speak to a member of our team here as you do need to be careful with which underwriting you choose, as this can help avoid picking up unwanted exclusions.
Can I get this cover through my employer?
Some employers do offer Private Medical Insurance, so it is always worth checking if you are eligible through your workplace. If your workplace doesn't operate a scheme and wants to, then tell them to get in touch as we can help arrange company schemes too!
We can offer advice on a large number of different insurance products
Protect your family with a lump sum or income in the event you pass away.Get Quotes
Provides a lump sum in the event you are diagnosed with a serious illness such as cancer.Get Quotes
Provides a lump sum to pay off your mortgage in the event you pass away or get seriously ill.Get Quotes
Covers the cost of getting treated in the private health system as and when you need it.Get Quotes
We like to reward our customers for doing the right thing...
When you take out Life Insurance, Critical Illness or Income Protection you get up to £150 to spend at hundreds of well-known retailers.
We apply a reduction to the commission we receive from the insurers, and pass that saving on to you in the form of cheaper premiums!
When you take out insurance through us you're eligible for a FREE Will Writing kit, because protecting your family is what we do.
How our voucher reward works: When you take out cover through Blue Light Insurance Solutions you are eligible for our voucher reward offer. The amount of your voucher is calculated by the size of your first monthly insurance policy premium, rounded up to the nearest £5. For example, if your policy premium was £46.50 per month, you would get a voucher reward worth £50.00. The voucher reward is payable only when your policy goes active and is issued 3 calendar months after your policy start date by email, using the same email address you used when you applied for cover with us. Maximum voucher reward per postcode is £150.00. If you allow your policy to lapse, or if the policy is in arrears prior to the intended voucher issuance date, then the voucher will be withheld until the policy is live and all payments are brought up to date. If for any other reason the insurer removes your policy from active status or your policy is in review, or further information is being assessed by underwriters before the intended voucher issuance date, the voucher will be withheld until the policy is “live” and premiums are paid and up to date again. Offer does not apply to Private Medical Insurance or Hive Guaranteed Acceptance Insurance.
How our free will kits work: In the event you purchase a policy through Blue Light Insurance Solutions you will be eligible for a free will writing kit. Upon request we will send a will writing kit to you in the post no later than 14 working days following such request. Only one will kit per postcode. Will writing is not regulated by the Financial Conduct Authority
How our premium discounts work: We apply a 10% “commission sacrifice” to all Life Insurance, Critical Illness Cover and Income Protection quotes, thereby reducing the standard commission levels we receive from the insurers, which leads to a reduction in your monthly premium. The discount will apply for the lifetime of your policy. Please note a 10% commission sacrifice will not result in a 10% reduction in insurance premium as the commission we receive only makes up a proportion of your monthly premium. The actual reduction in premium will depend on several factors including, but not limited to, the size of premium, and the commission levels offered to us by the chosen insurer. Offer does not apply to Private Medical Insurance or Hive Guaranteed Acceptance Insurance.
Wouldn't it be nice if your insurance did more than just cover the worst case scenario? Many of the policies we advise on include all sorts of extra benefits including:
24/7 Digital GP Services
Mental Health Support Services
Best Doctors® - Second Medical Opinion
Rewards for leading an active lifestyle
If you want to find out more about additional benefits and services, then just speak to one of our advisers - they'll be happy to help!Get Your Quotes!
We've specialised in helping Emergency Services Workers find suitable insurance for over 5 years! Including Police, NHS, Fire Service, Civil Service, Prison Service and Armed Forces.
By default we apply a reduction to the commission we receive from the insurers, and pass that saving on to you in the form of cheaper premiums! Terms & Conditions Apply