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Specialist private medical & health insurance

Private Medical Insurance (PMI), also known as private health insurance covers the cost of healthcare, from diagnosis to treatment. 

In the UK we have a wonderful National Health Service but it is under extreme pressure, the estimated number of patients waiting for treatment in January 2022 is 6 million, and thus private treatment can be an option to avoid the queue.

Get the best private health insurance advice for your needs

Are you looking for comprehensive healthcare coverage that suits your individual needs? This highly accessible insurance offers a range of benefits that can provide you with peace of mind and quick access to medical treatment when you need it most.

Sterling & Laws’ aim is to provide the best PMI advice from a professional adviser to help you make the right choice for your health. Our resident insurance and protection specialist, Paul Nash has extensive experience in this industry and is on hand to discuss your needs. 

Looking for advice on private medical insurance? 

For a free initial consultation with a health care adviser, call  020 3740 5856 

private medical insurance

What are the different types of private health insurance?

When it comes to safeguarding your health, private healthcare insurance offers personalised care, faster treatment options, and peace of mind. Let’s explore the different types available:

  • Comprehensive Insurance: Full coverage, peace of mind.
  • Moratorium Insurance: Excludes certain conditions and lower premiums.
  • Health Cash Plans: Small costs covered, budget-friendly.
  • Critical Illness Insurance: Specific conditions covered, financial security.
  • Joint Policies: Cover for couples, cost-efficient.
  • Family Health Insurance: Whole family covered, one policy.
  • Over 50s Policies: Tailored for seniors, covers age-specific conditions.

Don’t leave your health to chance – reach out to our team of experts today for tailored advice and peace of mind for your future.

Why work with a private medical insurance adviser?

With so many private medical insurance options available, it can be overwhelming to choose the right one for you. A professional, specialist adviser can help guide you through the process and provide you with tailored advice on PMI.

  • Access to expert knowledge and industry insights
  • Assistance with finding the most suitable policy for your specific needs
  • Help with navigating complex policy terms and conditions
  • Support with making claims and managing your policy
  • Regular reviews of your policy to ensure it continues to meet your needs

By working with a private medical insurance adviser, you can make informed decisions about your healthcare coverage and have peace of mind knowing you have the right protection in place.

The benefits of private medical insurance 

PMI policies can provide peace of mind and access to high-quality healthcare. The core benefits of this insurance include: 

  • Faster access to treatment
  • More personalised care: 
  • Comprehensive coverage: 
  • Additional benefits: 
  • Reduced financial burden

Private medical insurance can provide faster access to treatment, more personalised care, comprehensive coverage, additional benefits, and reduced financial burden, making it a valuable investment in your health and well-being.

Schedule a callback with a health insurance adviser

If you are interested to learn more about your PMI options and would like to speak to an adviser, get in touch today to request a callback. We offer a no-obligation consultation where we can answer your questions and offer recommendations based on your needs and requirements

Need advice?

You can contact us now by calling  020 3740 5856 or by clicking ‘Ask a question’ in the box below. 

Contact us today

If you have a query for us, please fill in this short form. We aim to respond within a few hours. 

Our Private Medical Insurance Advisers

Looking to discuss your requirements with a specialist adviser?

Contact Paul Nash, our resident insurance specialist today to schedule a callback and free consultation. 


Yes, private medical insurance and private health care insurance essentially refer to the same thing.  Both terms are used to describe insurance policies that cover the cost of private healthcare.

These policies can help you get faster access to medical treatments than you might through the NHS. The specific terms used can vary, but the underlying concept is the same.

Private health insurance is a policy that covers the cost of medical treatment in private healthcare facilities.

It provides quicker access to specialists, a greater choice of treatments, and often more comfortable facilities compared to public health services.

The benefits of private health care insurance include quicker access to treatments, more choice over the timing of treatments and the specialists you see, and often more comfortable facilities.

It complements public health services, providing more control over your healthcare experience.

This depends on your personal circumstances and priorities. Some consider PMI as an investment in their health, as the turnaround time for treatment can be much faster than using the NHS. 

Many business owners, see it as an investment too. The stress of running a business can be considerable so why let NHS waiting times, loom over you and add to those daily pressures?  

To summarise, private insurance can provide faster access to treatments, private rooms, and more flexible appointment times. However, it’s important to weigh these benefits against the costs. It can be a valuable addition for some, but it’s key that you understand what you’re getting for your money.

That’s a question we are often asked. Whilst some insurers might offer coverage for pre-existing conditions, often after a certain period, others may exclude them from their products and you won’t be covered.

Each insurer’s approach varies, so seeking professional advice can be very helpful in finding the most appropriate policy for your circumstances. It can also ensure you understand the small print and you don’t make any costly mistakes. 

Private medical insurance typically covers the cost of private healthcare, ranging from specialist consultations to surgical procedures. 

It’s designed to complement, not replace, the services provided by the NHS and usually excludes pre-existing conditions, routine check-ups, and non-essential cosmetic surgery.

The exact coverage can vary widely, so it’s important to read the policy details carefully.

The costs of private medical insurance can vary significantly, based on factors like your age, health, lifestyle, and the level of coverage you want. Furthermore, the cost can be determined, by any optional, additional services you choose.

Because of these variables, it’s best to get professional advice to fully understand the costs and benefits associated with the different PMI policies available. 

When seeking private medical insurance advice, consider factors such as your personal health needs, your budget, and the type of coverage you desire.

Additionally, consider the adviser’s experience and reputation – how long had they been working in the industry?

Factor in their understanding of the market, and their ability to provide unbiased advice.

It’s also important to ascertain the adviser’s willingness and ability to understand your situation, and whether they have access to a broad range of insurance providers. You must make sure they are listening and are making appropriate recommendations.

This comprehensive approach ensures you receive the best advice for your unique needs.

A private medical insurance adviser can save you time and effort in finding the right policy for your needs.

A reputable adviser should possess in-depth knowledge of the market and can guide you toward a policy that suits your health needs and financial situation.

This helps to simplify the process and will give you peace of mind knowing you and your health insurance need are in safe hands. 

While private health insurance advisers might charge a fee, they can also help you save money in the long run. This is due ti their ability to scour the market and find you the most cost-effective policy for your needs.

They have a broad understanding of the market and can negotiate deals on your behalf, ensuring you get the best value for your investment in your health.

A private medical insurance consultant offers valuable advice on private medical insurance policies. They can help you understand the nuances of different policies, what they cover, and which one might best meet your needs and budget.

They’re professionals who can make the complex world of health insurance more accessible and understandable.

An experienced healthcare consultant should be adept and asking you the right questions to ascertain your specific needs, This will help them to help you get the right cover, for you, your family or your employees. 

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I only wish I had approached Sterling & Law years ago, but was worried that financial advice was exclusively for the wealthy. Anything but! They made me with my meagre pension contributions feel very important. Thank you!
SK - Forest Hill
My adviser made sure she completely understood me, my attitude to risk, and what I was looking for. She listened to me, and worked with me to ensure that I was comfortable with the suggested way forward. I liked the fact that she never tried to push me in a certain direction – it really felt like my choice!
SV - Greenwich
I am very happy with the service Sterling & Law provides. If I have any problems or questions my adviser responds rapidly and always explains things I am not familiar with.
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