Health Insurance

Advice, reassurance and support, every step of the way.

Do you need health insurance?

Your health is your most valuable asset, and having the right health insurance in place ensures that you and your family can access the best medical care when you need it most. At TGD Mortgages, we provide expert guidance to help you find a health insurance policy that offers comprehensive cover tailored to your lifestyle, budget, and healthcare needs.

Why Consider Health Insurance?

While the NHS provides excellent care, private health insurance offers additional benefits such as:

  • Faster access to specialist treatments and surgeries

  • Shorter waiting times for appointments and procedures

  • Choice of private hospitals and specialists

  • Access to advanced treatments not always available on the NHS

  • Private hospital rooms for added comfort and privacy

Types of Health Insurance Policies

There are different levels of cover available, depending on your needs:

  • Comprehensive Health Insurance – Covers private consultations, hospital stays, specialist treatments, and aftercare.

  • Basic Health Insurance – Covers essential treatments such as hospital stays and surgeries but may exclude outpatient services.

  • Family Health Insurance – Provides coverage for you, your partner, and your children under one policy.

  • Company Health Insurance – Employers can offer private medical cover as part of their employee benefits package.

What Can Health Insurance Cover?

Health insurance policies can be tailored to include:

✔ Consultations with private specialists

✔ Diagnostic tests such as MRI scans and blood tests

✔ Hospital treatments, surgeries, and aftercare

✔ Mental health support and therapy sessions

✔ Physiotherapy and rehabilitation

✔ Dental and optical cover (as an optional extra)

Choosing the Right Health Insurance

With so many options available, selecting the right policy can be overwhelming. That’s where we come in. At TGD Mortgages, we take the time to understand your health concerns, budget, and coverage preferences to recommend the most suitable policy.

Health Insurance FAQs

  • Private health insurance covers the cost of private medical treatment, giving you faster access to healthcare, specialist consultations, and a choice of private hospitals.

  • While the NHS provides free healthcare, private health insurance can offer shorter waiting times, access to specialist treatments, and more choice over where and when you receive care.

  • Coverage varies by policy but typically includes:
    ✔ Private hospital treatment and surgeries
    ✔ Consultations with specialists
    ✔ Diagnostic tests (MRI, CT scans, blood tests)
    ✔ Physiotherapy and rehabilitation
    ✔ Mental health support

  • Most policies do not cover:
    ❌ Pre-existing medical conditions (unless specified)
    ❌ Routine GP visits
    ❌ Emergency treatment (A&E services)
    ❌ Pregnancy and childbirth (unless complications arise)
    ❌ Cosmetic surgery (unless medically necessary)

  • Yes, family health insurance covers you, your partner, and children under a single policy, often at a reduced rate compared to separate plans.

  • The cost depends on factors such as age, lifestyle, medical history, and the level of cover. Policies can be tailored to suit different budgets.

  • It depends on the insurer. Some policies exclude pre-existing conditions, while others may offer coverage after a set period without symptoms or treatment.

  • Yes, one of the key benefits of private health insurance is the ability to select your preferred hospital and specialist.

  • Standard health insurance usually does not cover dental and optical care, but these can often be added as optional extras.

  • We provide whole-of-market advice, comparing different policies to ensure you get the best cover tailored to your health needs and budget.

Ensure fast access to quality healthcare with the right cover.

TGD Mortgages offers expert advice on health insurance tailored to your needs. Contact us today for a free, no-obligation initial consultation!

Call +44 (0)7919 554847

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