Individual & Family
Health Insurance Policies

Individual & Family
Health Insurance

Anderson Health advises individuals, families and businesses on health insurance policies aimed to provide the perfect coverage for you.

Usually included:
  • Treatment for short term or acute medical conditions
  • In-patient tests
  • Surgery
  • Hospital accommodation and nursing
Sometimes included:
  • Out-patient tests
  • Out-patient consultations with a specialist
  • Pregnancy complications
Usually not included:
  • Any medical conditions you had before taking out insurance, (otherwise known as pre-existing medical conditions)
  • Face to face GP consultations
  • GP referred diagnostic tests
  • Cover for routine dental treatment
  • Cover for long-term illnesses or injuries which cannot be cured, otherwise known as chronic conditions
  • Health screening

Factors that impact individual and family health insurance premiums:

What factors that will affect how much you pay:
  • Paying an excess – you pay the first part of any claim
  • Choosing to receive treatment at a specific hospital
  • Choosing a different grade of hospital room
  • Paying for part of your treatment yourself, for example an out-patient consultation with a specialist

Get the expert advice that you need for your family health insurance

Most insurers now offer menu-driven products so Anderson Health will be able to advise you on the most suitable medical insurance options to meet your and your family’s specific needs.

Individual and family health insurance policies can be taken out either by making a Full Medical Underwriting (FMU) application or by completing a Moratorium (MORI) form.

FMU requires the completion of a medical application form giving full details of your medical history.

Any pre-existing medical condition or on- going treatment will be excluded from cover. If necessary, the insurer may write to your doctor for more information.

MORI is when you are not asked details of your medical history.

Instead, the insurer will not cover any medical condition that has existed in the last five years. These conditions may become eligible for cover after two years if you do not have any symptoms or have not received any treatment, tests or advice (even a GP consultation) during the two-year period.

Anderson Health provide an in-depth knowledge of the individual and family health insurance market with policies designed to suit your specific requirements.

Why use Anderson Health for individual and family private medical insurance?

What are the benefits of having an individual or family health insurance policy?

Protecting you and your family with private medical insurance can give financial peace of mind if anything should happen to the health of those covered. Your private medical insurance can be tailored to the exact needs of you and your family.

Private medical insurance allows you and your family to avoid an NHS waiting list to get the medical care you require with quicker access to specialist treatment.

With a health insurance policy in place, you and your family can access a high quality of care for acute health conditions.

Why use Anderson Health for your individual or family health insurance policy?

Anderson Health has over 25-years of experience as a health insurance broker operating in London; we are independent brokers offering a personal service dedicated to the unique needs of you and your family. 

We offer impartial advice that is generally free to all our clients. Alongside our advice, we also provide a Claims Resolution Service to help advise clients in the event of a disputed or non-paid claim. 

Our team can conduct a full market review. Due to our experience and long-standing relationship with insurers, we can negotiate the best renewal terms to cover yourself and your family.