Corporate health insurance in London is available to set up from 1 to over 150 + members. All main health insurance providers will offer corporate health insurance on either a new business or switch basis. You can go direct to the main corporate health insurance providers or get an independent health insurance expert to source the best deals available to you and negotiate on your behalf. In most cases this service is FREE and without obligation.

If you already have corporate health insurance you can Switch to another provider on a CPME basis (Continued Personal Medical Exclusion). CPME underwriting describes the process by which insurers accept a transfer in from another company. This process is almost exclusively in the company paid market and allows client companies to transfer one insurer to another on renewal without losing cover for conditions that arose after the start of the original scheme. CPME is also known by the following terms: Switch, No worse Terms and Protected Underwriting terms.

If you starting a new policy you can there are 2 ways to underwrite the policy. Firstly, Full medical underwriting (FMU). This is the means by which medical insurance applications are written and accepted by the insurer. The client completes a lengthy application form, which includes questions about the medical history. The insurer will review the application and exclude from cover any serious pre-existing conditions or conditions that may arise from existing conditions or symptoms. Secondly, You can apply on Moratorium underwriting. Moratorium underwriting is the style of acceptance of a medical insurance application in which the client signs a declaration to accept that medical conditions or symptoms suffered in a period of time prior to the inception date (usually five years) are excluded from cover. If the member is free of symptoms, medication and medical advice for a period after inception (usually two years) the exclusion is lifted.

Finally there is Medical History Disregarded (MHD). Policies written on an MHD basis commit the insurer to all eligible medical expenses that occur after the inception date of a policy. This type of underwriting is usually limited to groups of more than 50 members.

For a free quote for corporate health insurance please call 0800 042 0555 or visit www.privatehealthservice.co.uk

Bupa client choice health insurance id provided by Bupa insurance Ltd. This policy is available on a moratorium or underwritten membership. Bupa client choice gives you the benefit of an immediate no claims discount on joining the policy. The policy covers a wide range of treatment of acute medical conditionsincluding surgery, hospital accommodation and nursing, diagnostics, out-patient consultations and therapies, treatment for cancer, private hospital treatment following an accident or emergency admission, injuries from dangerous hobbies and self-inflicted injuries.

Inpatient or day care will be in a Bupa Partnership Network hospital. Out-patient limit on Bupa Client Choice is £500 a year on GP referal with a Bupa recognised consultant. There is also £500 a year for physiotherapy and other therapies on GP or Bupa recognised consultant referal to a Bupa recognised therapist. With all In-patient and day-patient paid in full as long as treatment is received in a Bupa partnership network hospital and you see a Bupa recognised consultant. Bupa benefit limits apply if the consultant is not a Bupa partnership consultant.

PruHealth health insurance in the UK sets the standard for a new and exciting way of taking out health insurance. The policy is designed whether you are a individual, family or business to reward you staying healthy.

PruHealth Insurance offers quality levels of cover that pays out when you need it and rewards you when you don’t. PruHealth also gives you access to some of the best specialists and hospitals in the UK.

But one of the things that makes PruHealth so unique is that you could actually save money on the cost of your premium simply by looking after yourself. PruHealth is the only health insurance provider in the UK who does this.

Just by making a few small changes to your lifestyle, like getting some exercise or not smoking, could be enough to make substantial savings on your insurance premium. If you’re already leading a healthy life, that’s great – you could save money for just doing what you already do.

• Save up to 30% off your premium in the first year, when you answer five simple lifestyle questions.
• Save on next year’s premium. If you don’t need to claim, you’ll automatically recieve a no claims bonus of 25% of this year’s premium towards the cost of renewal. By leading a healthier life you can increase your saving to 50%, 75% or even100%, by earning Vitality points.
• Save hundreds of pounds with our Vitality partners at health clubs, spas, health screens and more.

For further information on Health Insurance and PruHealth call today or apply for an online quotation.

Standard life health insurance offers a wide range of policies and options to suit all levels of cover and budgets. The main individual and family products range from the Primecare range to excellent cash plans. Please see below for details on what is available from Standard Life Healthcare

1. The Primecare Range

If you want comprehensive personal medical insurance, prefer to pay for some private treatment yourself with a safety net, or want cash when you’re ill - our Primecare private medical insurance plans offer new customers and those switching from another insurer real peace of mind.

2. The EspritHealth Range - for the over 55s

Cost-conscious elderly healthcare plans designed exclusively for people over 55, which provide comprehensive medical insurance. UK cover for the things that really matter to you. Our EspritHealth range offers several ways to reduce costs.

3. Choices - The high excess healthcare plan

If you’re funding your own private healthcare, make sure you are not exposed to unlimited medical bills. Our Choices high excess healthcare plan offers cost-effective back-up and more.

4. Health Cash Plans

For a few pounds a week our Health Cash Plans will provide you with cash for routine medical bills - and quite a few non-routine ones too.

The cost of health care has increased substantially over the past decade, so it should be no surprise that the cost of private medical insurance has followed suit. With premiums up from around  annually to 18 according to Data Monitor, it is becoming harder for many people to afford private medical insurance at all.

There are ways to cut costs and still get quality cover and quality medical care, though. Here are a few suggestions for getting quality health insurance for you and your family on a budget.

Downgrade from comprehensive cover
If you’ve been paying for comprehensive PMI, you may reduce your costs by downgrading to a budget plan. There are a number of budget plan types available. One of the most common methods of reducing costs on PMI is to exclude cover for some types of treatments. Those treatments may include tests, complementary health care and psychiatric care. Exclusions are one way to cut costs t if you end up needing tests, scans or physical therapy, or any other type of treatment not covered, you could wind up paying far more out of your pocket than you would have paid for the extra cover.
Agree to a higher excess

Another popular way to lower premiums is to opt for a higher excess. You can lower your premiums by well over 50% if you choose to accept a high excess. If you do choose to take on a higher excess payment, be sure to check how the excess is charged. A per claim excess can wind up being far more expensive than a full cover excess.

Share the responsibility

A third way to cut the cost of your premiums is to share the cost of your medical expenses with your insurance provider. Rather than paying a fixed excess cost, you agree to pay a percentage of your treatment cost up to a predetermined cap.

Pay for your own treatment

A new class of payment type for private health care costs is to pay for your own expenses without insurance. There are private hospitals that offer fixed rate operations to allow you to shop around and budget for an operation rather than wait for your turn on the NHS.

Private treatment at NHS facilities

If you opt to pay your own medical expenses, one option to look into is using private facilities at NHS hospitals. The cost may be cheaper than the same treatment at a private hospital.

Employer based PMI

Check to find out if your employer offers PMI as a company benefit. Group rates for private health insurance are considerably cheaper than individual, so even if your employer requires you to make a contribution, it’s likely to save you a good amount of money on your health insurance policy.

Depending on the policy and the company, you may also be able to get cover for your spouse and children. In some of the larger companies, you may even be able to get cover if you have a pre-existing condition.

Shop around for the best deal

Comparison shopping will always get you the best deal, so do shop around and compare premiums. Ask for quotes from several insurance companies but be sure to know before hand what type and level of cover you want so you can compare like with like.

You can find a directory of www.uk-insurance-index.co.uk/health-insurance UK health insurance companies together with more buying tips and policy reviews written by real customers at http://www.uk-insurance-index.co.uk.

Health cash plans in the UK are there to help cover the costs of areas of healthcare such as optical and dental care. Most health providers that offer health cash plans will have different levels of cover. Health cash plans are not private health insurance but cash back towards treatment received.

With regards to dental cover the plan will cover check ups and treatment. The optical cover will cover the costs of sight tests, glasses, prescription sunglasses and contact lenses. Therapies such as Physiotherapy, Osteopathy, Chiropractic, Acupuncture and Homeopathy treatments along with chiropody are normally covered. Also, allergy testing, marernity cover and hospital stays are covered.

You choose the level you wish to be on the plan. Normally children under the age of 18 are free. Note that there are normally qualifying periods for certain areas such as dental, optical and maternity cover. For further information or a quote please call 0800 042 0555 or email quotes@privatehealthservice.co.uk .

Based In Central London, our job is to find you the best cost/cover option available in the Health Insurance Marketplace. We offer a FREE, No obligation service. So if you are looking for a new policy and wish to get a fair market assessment at your renewal we are here to help.

Private Health Service in London is an independent Private Health Insurance specialist - representing Gareth Owen, who is an appointed representative of Independent Sales Force Solutions Ltd

You can check our authorisation by visiting http://www.fsa.gov.uk/register

We are also obliged to provide certain information to all prospective new clients, this is called our initial disclosure document, please click here to view this document.

Why not call now to speak to one of our highly skilled colleagues who will be delighted

to do all the hard work of getting you the best deal for your needs.

The HealthSure Dental Plan is the easy way to make sure you can afford the best dental care when you need it.

Simply pay a small regular sum every month. Then go to the dentist whenever you need to - and claim money back towards the cost of treatment, up to your annual limit.

The money comes straight to you, usually in a matter of days. You can also cover all the children in your family from an additional £1 per month.

Private or NHS?

You can claim for both. Here’s a quick guide to what you’ll be covered for.

• Check-ups, x-rays, visits to the hygienist - maintenance in general
• Fillings, bridges and crowns
• Emergency dental care
• Treatment after accidental damage to your teeth

It pays to be HealthSure. Here’s how.

• Choose the level of cover you prefer from 3 options
• Include your partner (any eligible adult living at the same address) if you wish
• Claim back 100% of the cost of maintenance, up to your annual limit
• Claim back 75% of the cost of dental treatments** up to your annual limit, once the relevant qualifying period has elapsed
• Join up to the age of 69

For further information on Healthsure Dental Plans email quotes@privatehealthservice.co.uk

** There is a 3 month qualifying period for dental treatment, accident cover and emergency visits and a 6-month qualifying period for mouth cancer.