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individual private medical insurance
An affordable health insurance plan for yourself can ensure you bypass waiting lists and receive the best possible private healthcare when you need it most.
Peace of mind knowing you will get the treatment you need, when you need it.
Cover the cost of surgery, specialist consultants, nursing, tests and scans.
Cover for cancer treatment and access to a 24 hour GP helpline.
Hospitals with the highest standards of treatment and cleanliness.
Benefit from comfortable private rooms, most with an en-suite and television.
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Protect the health of your loved ones with family health cover, ensuring you all receive the highest standards of treatment when you need it most.
The full cost of inpatient consultations, treatments, tests and scans.
Options to cover up to the full cost of outpatient treatment.
Options to cover psychiatric, physiotherapy and dental & optical care.
Pre-existing & chronic conditions tend not to be covered by a health plan.
Need some guidance?
We are independent medical insurance advisers so the advice you receive is totally impartial and the best part is there is no fee for our service.
Call 0800 612 7897, email us or click below and submit your details.
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Private Medical Insurance Brokers

Drewberry Insurance are a friendly, professional group with the simple aim of providing you with a helping hand when buying an affordable healthcare insurance.
We are an independent private health insurance broker who simply wants to make your life easier, whether it is information, advice or health insurance quotes we are here to help.
We review all of the leading insurers so you don't have to and with our expert advice we can ensure you get the right cover at the most competitive price.
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Affordable Health Insurance Cover

Most would agree that nothing is quite as important as our health. Private medical cover allows you to receive the treatment you need, when you need it at the highest quality UK healthcare centres.
Healthcare insurance (private medical insurance) provides high quality
treatment in a private hospital environment. It covers the cost of treatments
for acute conditions getting you back on your feet as quickly as possible.

Our Medical Insurance Advice Services

As expert medical insurance brokers we are ideally placed to advise you
on your health cover choices. Given that we are completely independent of any
insurer you can rest assured that our advice is completely impartial. The best bit is that our advice is free of charge and there are no obligations to use our broker services.
With affordable medical insurance there are a range options to choose from, many of which are detailed below. If you would like to run through these with an adviser and compare the premium rates then feel free to contact us.
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We are experts when it
comes to the private
medical insurance market.
We are a whole of market insurance intermediary working with all leading UK health insurers.
Our aim is simply to make your life easier, we make taking out health cover as stress free as possible. We do all the leg work so you don't have to.
We approach all of the UKs leading insurers when quoting so we can ensure you the most competitive rates. What about the tedious application process you ask?
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The UK's National Health Service website providing medical advice and information on ailments and healthy living.
Department of Health
Responsible for health protection, health improvement and health inequalities issues in England.
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The regulator of the financial services industry in the UK.
About Us
Our aim is simply to provide you
with the best possible service.
Drewberry Insurance are a London based independent insurance brokerage providing insurance services to individuals and organisations
throughout the UK.
Our health insurance site is a dedicated resource for individuals seeking information, advice and private medical insurance quotes comparing all of the UK's leading insurers.
We are here to help, if you can't find what you are looking for just give us a call.
Contact Us
We would love to hear from you, whether you are enquiring about our services, a career, or a business partnership.
 +44 (0) 20 8432 7333
 enquiries@drewberryltd.com
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What is Private
Health Insurance?

Private healthcare insurance is designed to cover the cost of curable (acute) medical conditions in private hospitals or private wards of NHS hospitals.
All policies cover the full cost of conditions that require an overnight stay in hospital (inpatient treatment) or require a period of time in a hospital bed (day-patient treatment).
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For example, supposing an individual needed a heart by-pass, their medical insurance would cover the tests and consultations needed in the run-up to the operation and the operation itself.
More comprehensive plans also provide a higher level of cover for treatments, consultations, scans and tests for conditions that do not require a hospital bed.
Additional benefits include cover for psychiatric treatment, physiotherapy and dental surgery whilst other common extras include home nursing, private ambulance and overseas emergency medical cover.

Are there any
common exclusions?

Your first port of call when seeking medical advice will still always be your GP and any emergency would still be dealt with at accident and emergency (A&E).
With all private health cover any recent medical treatment or symptoms you have suffered prior to taking out the policy are likely to be excluded from the plan.

Policy Options

Outpatient Cover
In addition to full cover for inpatient and day-patient healthcare, mid-range and comprehensive plans also provide an extended level of cover for outpatient consultations, tests, scans, physiotherapy and psychiatric treatments.
An "outpatient" is someone who does not need to occupy a hospital bed for their treatment. Comprehensive plans will usually cover most outpatient treatments in full.

Hospital List

Depending on your choice of private health plan and hospital list you could access over 400 private hospitals across the United Kingdom, including the very best specialist hospitals.
Medical insurers use private hospitals provided by companies such as Bupa, Spire Healthcare, BMI healthcare, HSA Healthcare and Nuffield Health. Opting for a local (or reduced) hospital list could lower monthly premiums by over 25%.
 
Local hospital list: Local private hospitals which you can choose from when deciding where to receive treatment.
 
National hospital list: Extends coverage to a choice of hospitals across the country, including specialist hospitals.
 
London hospital list: Increased selection of London hospitals in addition to those contained on the national hospital list.
 
Premier hospital list: Receive medical treatment from any private hospital in the UK, including top London hospitals.

Dental &
Optical Benefit

Although most policies cover dental/oral surgery some policies also provide an option to include a level of routine dental and optical treatment.
Including this option means that the insurer would provide a specified amount of benefit each policy year to contribute to routine dental or optical treatment (in a similar way to a health cash plan). It should be noted that a separate excess usually applies.

Six week
wait option

If you are on a tight budget or are happy to use the NHS but worry about long waiting lists then a six week wait option may be right for you. With this option you agree to use the NHS for your treatment provided that the wait is less than six weeks.
If the wait is longer than six weeks then you will go private straight away. Including this option could reduce your monthly premiums by about 20%.

Implement
an excess

In order to reduce premiums to obtain affordable health cover it is possible to implement an excess on your policy. Excesses range from £100 to £5,000. For example, an excess of £250 could reduce monthly premiums by approximately 10%.
Implementing an excess means that you would pay that excess amount once per policy year should you need to make a claim.

Medical
Underwriting

When it comes to underwriting there are generally two options, moratorium or full medical underwriting (FMU).
With moratorium underwriting there is no need to disclose your medical history, lifestyle information or undertake a medical screening. With this option the policy would automatically exclude conditions you have suffered in the previous five years.
Existing conditions may be included after two years of holding the policy if you have not had to seek additional treatment or consultations. Moratorium underwriting is an option if you are below the age of 65 and have not suffered from heart disease, stroke, cancer or mental illness.
With full medical underwriting (FMU) you would disclose your medical history at the point of application and may be required to undergo a health screening. If you decide to take this option the insurer may place exclusions on the policy for conditions you have suffered in the past.

Drewberry Insurance

 
Our aim is simple, couple expert impartial advice with a first class service.
 
We are wholly independent and compare all the leading UK insurers.
 
We use our buying power to find you the most competitive rates.
 
You are not a number in a queue getting pushed from pillar to post, speak to a named consultant with a direct phone line.
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Although the NHS does a fantastic job with the limited resources to hand, many people turn to private healthcare to avoid potentially long waiting lists commonly associated with the NHS.
Below are some recent statistics from the Department for Health Commissioner covering both NHS inpatient and outpatient treatment.
  • In January 2010 there were 632,108 people waiting for inpatient treatment.
  • Of this number, 133,587 had been waiting for 10 weeks or longer.
  • There were also 910,595 people waiting for outpatient treatment in January 2010.
  • Of this number, 21,080 had been waiting for 10 weeks or longer.
Source: Department for Health Commissioner based statistics for England, January 2010.
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