Private medical insurance
Private Medical Insurance
Private medical insurance can give you faster access to private treatment. Tony does not arrange it himself, but can point you in the right direction.
Talk to TonyAt a glance
- Can give access to private consultations and treatment
- Usually does not cover long-term or pre-existing conditions
- Referral only: Tony can recommend a specialist provider
What is private medical insurance?
Private medical insurance helps pay for private treatment for eligible conditions, often with shorter waiting times than the NHS. Cover, limits and exclusions vary a lot between policies.
Who it may suit
Everyone's situation is different, but these are some of the people who often look at this kind of cover.
How it works with Tony
Good to know
- Tony does not advise on or arrange private medical insurance. If you would like to explore it, he can recommend a specialist provider.
- Policies often exclude pre-existing and chronic conditions.
- Premiums typically rise with age and can change at renewal.
- It does not replace the NHS, which you would still use for emergencies.
Meet your adviser
Hi, I'm Tony Flynn
I'm a mortgage and protection adviser based in Carluke, helping people across Lanarkshire and Scotland.
I've spent 15+ years in finance and have been named Mortgage Professional of the Year at the Prestige Awards Scotland five years in a row. I'll explain your options in plain English so you know exactly where you stand.
Private Medical Insurance questions
Does Tony arrange private medical insurance?
No. Tony can recommend a specialist provider if you would like to explore it.
Is private medical insurance the same as critical illness cover?
No. Private medical insurance helps pay for treatment, while critical illness cover may pay a lump sum on diagnosis of a listed condition.
Does it cover existing conditions?
Most policies exclude pre-existing conditions, but terms vary by provider.
Will the price go up?
Premiums usually increase with age and can also change at each renewal.
Do I still need the NHS?
Yes. It remains the route for emergencies and for care that private policies do not cover.
Ready to talk it through?
A quick chat with Tony is a good first step. No jargon, no pressure.
Talk to Tony