What Is PMI

What’s Included

Why Choose Me


Private Medical Insurance

With over 30 years experience in the Health and Protection industry, you can be assured that you will receive expert advice from an independent intermediary. 

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What is Private Medical Insurance?

Private Medical Insurance is designed to cover acute and curable conditions, and is not a replacement for the National Health Service.  The benefits are that you avoid long waiting lists and have treatment when it suits you in the comfortable surroundings of a private hospital, with the consultant of your choice at a time to suit you.

Find out what’s included in Private Medical Insurance cover.

With over 30 years’ experience you can rest assured that we can find you the best cover for your needs and your budget.

Already have a plan?

Why not let us review your current plan and see if we can save you money on your premium, without losing any cover.

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Private Medical Insurance

Private Medical Insurance (PMI), also known as Healthcare, offers increasingly diverse plan choices and customization options within menu-driven frameworks. Expert advice becomes crucial to avoid surprises during claims, as providers often integrate key plan aspects across different modules. PMI is suitable for everyone, as these plans are underwritten, making it wise to secure coverage while in good health. If you already have a plan, a review can potentially save you money. As an independent adviser with access to a wide range of products, I am dedicated to ensuring you have the appropriate and cost-effective coverage not just for today but at every renewal.

Life - Critical Illness

Both termed as personal protection, these policies can be acquired jointly or separately, with some providers combining life insurance with critical illness coverage. While some companies may use different names, the primary purpose remains consistent – safeguarding you and your family from financial burdens in case of death or a critical illness from the designated list. Predominantly used for mortgage protection, these plans pay off the mortgage upon death. Nonetheless, they offer versatile applications, such as providing income to your family, leaving a financial legacy, or covering funeral expenses.

Income Protection

Income protection is a crucial safety net that provides much-needed peace of mind during challenging times. If illness or health issues prevent you from working, this policy ensures a steady income stream to cover essential expenses and maintain your financial stability. It’s essential to choose a waiting period that aligns with your circumstances and needs, as it determines when the benefits will take effect. By understanding the intricacies of income protection, you can make an informed decision that safeguards your financial well-being and allows you to focus on recovery without added financial stress.

Key Person

Key person insurance, also known as key man insurance, plays a pivotal role in safeguarding a company’s interests when essential team members face critical illness or unfortunate demise. This specialised policy extends its protection beyond just the owner or director; it covers any vital personnel who hold irreplaceable roles within the organization. For instance, consider a scenario where a bilingual employee serves as a critical liaison for communication with overseas offices. In such cases, key person insurance ensures the business can weather potential disruptions and financial strains by providing the necessary resources to navigate through challenging times. By recognising the value of these key individuals and securing appropriate coverage, businesses can fortify themselves against unforeseen circumstances and continue thriving even during difficult periods.

Shareholder protection

Shareholder protection, akin to life and critical illness insurance, serves as a vital shield for your business. When triggered, this policy provides a much-needed financial boost, enabling the company to sustain its operations and navigate through challenging times with confidence. To ensure seamless execution and proper allocation, these policies are reinforced by essential legal documents. These safeguards guarantee that funds and shares find their rightful destinations, ensuring business continuity and securing the future of your enterprise. By establishing comprehensive shareholder protection, you fortify your business against uncertainties, protecting both your company’s legacy and the well-being of all stakeholders involved.

Death in service

Death in service policies serve as a tax-efficient and cost-effective means for businesses to provide support for their staff. By offering this valuable benefit, companies demonstrate their commitment to the welfare of their employees and their families, providing financial security in the unfortunate event of an employee’s passing. These policies not only create a sense of loyalty and appreciation among the workforce but also offer peace of mind to employees, knowing that their loved ones will be cared for during difficult times. The combination of affordability and tax advantages makes death in service policies a win-win solution for both employers and employees, fostering a positive and caring work environment.

Anne Bagnall

30+ years of experience

Why Choose Me?


Over 30 Years in the industry


Offer an advised service with no fees


Bespoke service


Looked after by professionals

Meet Anne, a seasoned expert in the healthcare insurance industry with an impressive career spanning over four decades. She began her journey in 1982 as a Business Development Manager at Prime Health, cultivating a robust broker network across the UK. Over the years, Anne honed her skills by selling directly to clients during her 7-year tenure at MLP Healthcare. Additionally, she enriched her knowledge while working at BUPA, training on behalf of MLP in their claims department.

As Anne’s expertise continued to flourish, she became a shareholder and director of Chartwell Healthcare, which was eventually acquired by JLT and later by Mercer Marsh Benefits. Driven by her passion for providing top-notch services, Anne founded Silk Insurance Brokers and Silk Healthcare in 2018. These ventures have become renowned for their commitment to excellence and dedication to meeting clients’ unique needs.

To enhance the range of options available to her valued clients, Anne has recently joined Moore Health and Protection, an esteemed specialist Healthcare Adviser operating under the umbrella of the Right Mortgage and Protection network. With Anne’s wealth of experience and seamless integration into this esteemed network, you can trust that she will go above and beyond to secure the best healthcare solutions for you and your loved ones. Take advantage of Anne’s expertise today and embark on a journey of comprehensive healthcare coverage tailored just for you. Your well-being is her priority, and she is here to guide you every step of the way.

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Frequently Asked Questions

What can I claim for if I haven’t had PMI in the past?

Normally anything you have had symptoms of or medication for in the last 5 years isn’t covered for the first two years provided you have had no symptoms or medication and been free of anything in connection with it.

Can I get cover if I have PMI already with a new provider?

Yes, provided your cover has been continuous with no gaps, then we can potentially move your cover with the same terms.

Which private hospitals can I use?

This depends on which part of the country you live in and what hospital banding we choose.

Is there an age limit?

Most providers cover up to the age of 80.

Can I add other members to the cover?

Yes you can take cover out for just you, you and your partner and if you have a family we can add your children as well.

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Fill out the form below to receive your no obligation quote.

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01260 734109

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Our Location

Congleton, Cheshire

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