Private health insurance gives you quicker access to medical treatment, more choice over where and how you’re treated, and peace of mind for you and your family. It’s a valuable safety net — especially if you’re self-employed, a company director, or simply want to avoid NHS waiting lists.
At Mortgage Knight, we help individuals, families, and businesses find suitable private health cover with clear advice and access to the best providers in the UK.
Depending on the insurer and the policy, cover typically includes:
You can tailor the policy to suit your health needs and budget.
Self-employed people who can’t afford time off waiting for NHS care
Families who want quick access to private paediatric and general healthcare
Company directors and contractors managing their own cover
Business owners providing staff benefits with tax efficiencies
We work with a wide range of trusted UK health insurers, including:
Each provider offers different strengths — we help you compare based on what matters to you, not what pays the highest commission.
Ans: Most policies exclude pre-existing conditions for a set period (usually two years), but options exist under moratorium underwriting. We’ll guide you through what’s covered.
Ans: It can be. Monthly premiums vary based on your age, medical history, and level of cover. We can design a plan with or without extras to suit your budget.
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Ans: Yes — company directors and business owners often pay through their limited company. This can be tax-efficient but may be treated as a benefit-in-kind. We’ll explain how it works.
Ans: Yes. While claims are handled by the insurer, we can help you understand what’s covered and guide you through the process if needed.
Ans: Absolutely. Family policies are common, and it often works out cheaper to combine cover than to insure each person separately.
