Private Medical Insurance Advice

Protect your legacy with Private Medical Insurance. Unexpected treatment costs and long waiting times can have a real financial impact — PMI helps you access care quickly without eroding family savings or forcing the sale of assets.

Ask us a question Process and Fees

This review is provided by Protectionhelp and does not use the services of APS Legal

Why consider PMI as part of legacy planning?

Preserve assets: avoid depleting cash or investments when treatment is needed.
Faster access: diagnosis and treatment without long delays.
Choice: wider hospital networks and treatment options.
Continuity: protects other planning (wills/trusts/IHT) from unintended disruption.

What we can review

New policies or a whole‑of‑market review of existing cover.
Individual, couple and family plans.
Levels of cover: inpatient, day‑patient and outpatient options.
Underwriting routes: moratorium vs. full medical underwriting.
Excess levels and cost‑saving options.

How our process works

Free initial chat to understand what matters to you.
We gather the key details (age, medical history, budget, preferred hospitals).
Whole‑of‑market comparison and clear recommendation.
Annual review at renewal to keep cover appropriate and competitively priced.

Book a free initial chat

Costs & budgeting

Premiums vary with age, location, hospital list and level of cover. We’ll explain the trade‑offs clearly so you can balance access and affordability, and we’ll help you avoid surprises at renewal.

Information on this page is general in nature and not personal medical or financial advice. Recommendations are provided by a suitably authorised adviser at Pensionhelp Limited.