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

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…

What do you value most about your private medical insurance?

Private medical insurance is widely available throughout the world. In some countries it is a necessity but here in the UK it works brilliantly alongside the NHS. Throughout the COVID19 pandemic, private hospital facilities have been a valuable back up for the NHS. People with health insurance may have experienced delays in consultations and treatments. Most of the UK health insurance providers have recognised this and have pledged to make this right with their members.  Many have confirmed they will review the relevant claims data relating to this time period. Insurers have also increased access to video and telephone consultations…

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