Health Insurance

Health Insurance

When you're arranging a mortgage, considering the right health insurance is often overlooked, but it's essential for long-term peace of mind. At Mortgage & More, we provide health insurance helping individuals, couples & families gain access to private healthcare that fits around major life decisions like buying a property. With us, you'll find experienced, independent advisers ready to support, explain & guide you through the process of choosing the best policy for your needs. We believe in keeping things simple, approachable & clear, so you feel confident & completely informed every step of the way.

Whether you're a first-time buyer or moving home, understanding your protection options is crucial. Our team are dedicated to providing impartial & reliable advice, so you can focus on the excitement of your new property & leave the health insurance details to us. Speak to Mortgage & More & discover how easy it is to secure your wellbeing alongside your mortgage.

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What is Health Insurance?

Health insurance is designed to give you access to private medical care, reducing waiting times & giving you greater control over your treatment. In exchange for a regular premium, monthly or annually, your provider will cover some or all medical expenses for new conditions that arise once your policy starts. With private health insurance, you'll still be entitled to NHS care, but you can benefit from faster appointments & access to treatments not always available on the NHS.

Health insurance for is particularly important if you want extra security when making such a significant financial commitment. Policies commonly exclude pre-existing conditions but can offer vital benefits like fast-track diagnostics, outpatient care, & sometimes even cover for treatments usually unavailable nationally. Coverage varies based on the policy's scope, so working with a reliable, qualified team like Mortgage & More means you're always clear about what's included.

What Types of Health Insurance Plans Are Available?

Finding the best private medical cover in the UK starts with deciding who you want to protect & the level of cover you need. At Mortgage & More, we work with a wide range of specialist providers to help you compare health insurance plans & identify what's right for your circumstances. Examples include:

  • Individual health insurance: Enjoy faster & more flexible access to medical care when you need it most.
  • Joint health insurance: Cover for you & your partner, typically at a better rate than two single policies.
  • Family health insurance policies: A cost-effective way to protect the whole family under one plan.
  • Child health insurance: Prioritise your child's wellbeing with rapid access to quality care.
  • Health insurance for self-employed: Essential cover if you run your own business or have unpredictable working hours.

If you're unsure what type you need, our qualified team are always on hand for jargon-free, impartial advice.

What Does Private Health Insurance Cover?

A typical health insurance policy will pay for a range of essential medical costs, but the best option is always to review your policy in detail with an accredited adviser. Standard health insurance for mortgages might cover inpatient treatment, surgeries, diagnostic tests, & outpatient follow-up appointments. Some comprehensive plans go further, including mental health support, therapies like physiotherapy or chiropractic care, & even direct virtual or in-person private GP appointments.

However, it's important to know what is not usually included. Many policies won't cover pre-existing or chronic conditions (such as diabetes or asthma), injuries from high-risk activities, pregnancy & childbirth, emergency treatment, or cosmetic surgery. At Mortgage & More our experienced team is always ready to explain, compare, & demystify the details for you

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Why choose Mortgage & More for health insurance advice?

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Expert Advice

Our team is reliable, highly experienced & fully qualified, authorised & regulated by the Financial Conduct Authority (Register Number 651274). Every recommendation is designed around your needs.

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Highly Approachable

We know that talking about health & protection can feel daunting. That's why we focus on making the process easy & friendly, so you feel at ease from your first enquiry.

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Jargon Free

Mortgage & More believes clear, straightforward communication is vital. Our specialist advisers decode industry language, helping you make choices with confidence, especially when
comparing health insurance.

 

 

 

Health Insurance: Frequently Asked Questions

What’s the difference between NHS and private medical cover?

NHS care is free and public, while private medical cover (via health insurance for mortgages) offers faster access, choice of consultants, and sometimes treatments unavailable on the NHS.

Can I choose which hospital I’m treated at with private health insurance?

Yes, most private health insurance policies in Maidstone allow you to select from a network of approved hospitals, offering more choice over where and when you receive treatment.

Does health insurance cover pre-existing conditions?

Most health insurance for mortgages excludes pre-existing conditions, meaning only new conditions developing after your policy starts are usually covered.

Is dental care included in health insurance?

Standard private health insurance in Maidstone does not typically include dental care, but some comprehensive plans may offer dental cover as an optional extra.

How can self-employed people benefit from health insurance for mortgages?

Health insurance for self-employed in Maidstone gives flexibility and minimises time off work by providing quick access to treatment, supporting both your health and business.

Why choose Mortgage & More for health insurance advice?

We provide independent, qualified, and jargon-free advice, helping you compare health insurance plans with full clarity and support.

 

Get Personalised Health Insurance Advice Today

Ready to explore the best health insurance for mortgages in Maidstone? Trust Mortgage & More to deliver independent, specialist support for you & your loved ones. Email us at info@mortgageandmore.co.uk or call us on 01634 235132 to chat with an accredited mortgage brokers in Kent.

 


 

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOANS SECURED AGAINST IT. 
THERE MAY BE A FEE FOR MORTGAGE ADVICE, THE PRECISE AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES, OUR TYPICAL FEE IS £395 

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Mortgage and More is Authorised and Regulated by the Financial Conduct Authority. The Financial Service Register Number is 651274

The Financial Conduct Authority does not regulate some forms of Buy to Lets.

There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.

Mortgage and More is a Limited Company. Registered Address: Mortgage and More; 9 Balas Drive, Siitingbourne, Kent. ME10 5AS Registered in England and Wales under number 06437752

We always aim to provide a high-quality service to our customers. However, if you encounter any problems, in the first instance please write to the registered address above, email or call Mortgage and More outlining your complaint, if we are unable to resolve this, you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm).

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Some calls maybe recorded for training and monitoring purposes.