Redefining healthcare protection for modern Britain
Founded in 2005, Premier Health Insurance has established itself as a leading specialist in comprehensive health coverage tailored to the unique needs of individuals, families, and businesses across the United Kingdom. Our foundation is built upon the principle that quality healthcare should be accessible, affordable, and personalised to meet the diverse requirements of our clients.
With over 18 years of experience in the healthcare sector, we have developed a nuanced understanding of the UK's healthcare landscape, allowing us to offer bespoke insurance solutions that bridge the gap between NHS services and private healthcare options. Our team of seasoned insurance professionals, healthcare consultants, and customer care specialists work in concert to ensure that our clients receive not just financial protection, but comprehensive healthcare support throughout their journey with us.
Premier Health Insurance specialises in providing tailored health insurance policies that accommodate various healthcare needs. Our team of underwriters possesses extensive experience in actuarial science, risk assessment, and healthcare economics, enabling us to develop insurance products that offer maximum value while remaining financially sustainable. We continuously analyse healthcare trends, medical advancements, and policy developments to ensure that our offerings remain at the forefront of the industry.
Our in-house medical advisory board, comprising consultant physicians from various specialties, provides valuable insights into emerging treatment modalities, helping us expand our coverage options to include cutting-edge therapies and preventative care measures. This collaborative approach ensures that our policies reflect both insurance best practices and medical expertise.
At Premier Health Insurance, our vision is to transform health insurance from a financial safety net into a comprehensive health management tool that empowers our members to lead healthier, more fulfilling lives. We strive to be recognised not merely as an insurance provider, but as a trusted healthcare partner that anticipates and responds to the evolving needs of our clients.
Our mission is threefold:
We operate with unwavering honesty and transparency in all our interactions, from policy documentation to claims processing. Our clients can trust that we will honour our commitments without reservation.
We recognise that health concerns can be deeply personal and often stressful. Our approach is characterised by compassion, understanding, and a genuine desire to alleviate our clients' worries.
We continuously explore new ways to enhance our services, leveraging technological advancements and industry insights to deliver increasingly valuable healthcare solutions.
We are committed to maintaining the highest standards across all aspects of our business, from customer service to clinical partnerships and financial management.
We believe that quality healthcare protection should be available to all. We design our policies to offer meaningful coverage at various price points, ensuring inclusivity.
Premier Health Insurance offers a spectrum of insurance products designed to address diverse healthcare needs:
Our individual and family insurance plans provide comprehensive coverage for routine, specialist, and emergency care. These policies can be tailored to include additional benefits such as dental care, optical services, maternity support, mental health services, and complementary therapies. We offer tiered options to accommodate different budgets without compromising on essential coverage.
Our corporate health insurance solutions are designed to support businesses in safeguarding their most valuable asset—their employees. These schemes can be customised to complement existing wellness programmes, with options for different coverage levels based on employee seniority, if desired. Our corporate plans include features such as expedited access to specialists, comprehensive health assessments, and mental wellbeing support.
We offer specialised plans for clients with specific healthcare concerns, including chronic condition management, cancer care, cardiovascular health, and rehabilitative therapy. These plans provide focused coverage with higher benefit limits for relevant treatments, ensuring that clients can access the specialised care they require without financial constraints.
At Premier Health Insurance, we believe that exceptional service is as important as comprehensive coverage. Our approach to client care is predicated on several key principles:
We begin each client relationship with a thorough needs assessment, conducted by experienced insurance advisors who take the time to understand our clients' health concerns, financial parameters, and coverage preferences. This consultative approach ensures that the policies we recommend are genuinely aligned with our clients' requirements.
Our commitment to our clients extends beyond the point of sale. We provide continuous support through our dedicated client services team, who are trained to assist with queries related to policy coverage, claims processing, and healthcare provider networks. Regular policy reviews ensure that our clients' coverage remains appropriate as their circumstances evolve.
We recognise that the claims process is the ultimate test of an insurance provider's value. Our streamlined claims procedure minimises administrative burden during what may already be a challenging time. Our claims specialists handle each case with diligence, empathy, and a commitment to fair, prompt settlement.
Premier Health Insurance has established privileged relationships with a network of over 1,000 private hospitals, specialist clinics, and healthcare practitioners across the United Kingdom. This extensive network ensures that our clients can access high-quality care wherever they may be located. Our provider partnerships are subject to rigorous quality assessment, covering aspects such as clinical outcomes, patient satisfaction, and facility standards.
We have negotiated preferential rates with our network providers, generating cost efficiencies that we pass on to our clients through competitive premiums and higher benefit limits. These arrangements also facilitate expedited appointment scheduling and streamlined billing processes, enhancing the overall healthcare experience for our members.
Premier Health Insurance operates under the regulatory oversight of the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA), adhering to stringent standards of financial conduct and consumer protection. We are members of the Association of British Insurers (ABI) and subscribe to the ABI's Code of Conduct, which establishes industry-wide standards for ethical practice.
Our financial stability is underpinned by prudent capital management and conservative underwriting practices. We maintain reserves well above regulatory requirements, ensuring our capacity to meet our obligations to policyholders even in adverse circumstances. Our financial strength has been recognised by independent rating agencies, providing our clients with confidence in our long-term viability.
Premier Health Insurance UK
Whitehaven House
14 Hazelwick Court
Aldeburgh
Suffolk IP15 5EG
United Kingdom