Private Medical Insurance

You will be looked after by a professional network of people from the moment your claim is registered,

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Free guide to private medical insurance

Our essential guide to help you understand private medical insurance in the UK.

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Top 10 tips for buying private medical insurance

Our top ten tips for buying private medical insurance in the UK, free to download.

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Independent & unbiased advice

SMP Healthcare Ltd is an independent health insurance intermediary situated in Chelmsford, Essex. We provide our clients with expert and impartial advice on obtaining the best solution for their healthcare requirements whether as an individual, small business or corporate scheme.

Private Medical Insurance (for both UK and International schemes), Dental Insurance and Cash Plans are just some of the products available to you from many of the leading health insurance providers such as AXA PPP, BUPA and AVIVA to name but a few. We pride ourselves in offering our clients the best solutions as standard.

Working closely with our clients, we are confident in our ability to find the right product for any client, private or corporate, home or abroad. We are pleased to help our clients make informed decisions appropriate to their own specific requirements and to simplify the renewal and administration of any scheme whether new to the market or an existing policy.

Working abroad?

International cover available from providers such as: AXA PPP International, BUPA International and AVIVA InternationalRead More »

Traveling abroad?

Many policies offer travel insurance to run alongside your private medical insurance! Ask us now for a free, no obligation quotation.Read More »

Retirement Health?

If you are retiring from work and still want health insurance, let us guide you through the options available.Read More »

Watch our video and find out how you can benefit from our services!


Latest News

How COVID-19 has affected mental health within the workplace

As an employer in 2020 the issue of work related stress disorders is an extremely hot topic. With the impact of COVID-19 affecting people’s ability to work in a “normal” way or in some cases no work at all, work related stress issues are surely going to be affected in a negative way. With so many people working from home and losing face to face contact with their colleagues and managers, how can employers really assess whether or not an employee is struggling with the current working climate. Yes, there is the option of zoom calls and team video calls,…

Is mental health treatment covered by health insurance?

Mental health treatment is available in many different formats. The treatment you need will depend on the severity of your condition. Essentially the earlier you start your treatment the better. Early intervention is a key element of your recovery. A recent survey by the charity Mind has found that the coronavirus lock-down has had a detrimental effect on mental health. According to their survey of 16,500 people, 22% of adults who had no previous experience of poor mental health now say that their mental health is poor or very poor. For full details of the survey and its results, please…

What is moratorium underwriting?

If you are buying a private medical insurance policy your quotations may feature moratorium underwriting. Now as this is not a common term, what does it actually mean? For consumers in the UK, underwriting for health insurance is usually either Full Medical Underwriting or Moratorium. The choice you make between the two options should ultimately depend on your own medical history. What is the definition of moratorium underwriting? You are not asked to give details of your medical history when setting up the policy. Instead the insurer does not cover treatment for any medical condition that you have received treatment…

SMP Healthcare Ltd Registered in Ingatestone No. 08816948 Registered Address: 46-54 High Street, Ingatestone, Essex CM4 9DW

SMP Healthcare Ltd is authorised and regulated by the Financial Conduct Authority. Firm reference number 808383.

We are entered on the Financial Services Register no 808383 at

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

Should you have cause to complain, and you are not satisfied with our response to your complaint you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR Tel: 0800 023 4567 or 0300 123 9 123