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This is insurance that pays the hospital or doctor for your treatment. It can include treatment in a private ward or getting seen earlier in an NHS ward. Some plans allow you to claim if you are not able to be seen by the NHS within a set period. Other plans may charge a little more and don’t have any relevance to NHS waiting times.

You are either medically checked and underwritten at the outset (so you know what you’re covered for and what you won’t be). Premiums are usually reviewable annually.

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THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

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Haywards Heath, West Sussex

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Aligned Wealth Financial Planning Ltd is an Appointed Representative of Quilter Financial Services Limited, who is authorised and regulated by the Financial Conduct Authority (https://register.fca.org.uk/s/).

Registered office address: 54 Harlands Road, Haywards Heath, England, RH16 1LS

Registered in England and Wales under reference: 16459377

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at customers based in the UK.

Taxation advice, including inheritance tax planning and advice on cash held on deposit are not regulated by the Financial Conduct Authority.

Approver Quilter Financial Services Limited 12/09/2025

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