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Why Choose Us

0 %
5-star reviews on Google
0
years we have been as independent mortgage and protection brokers
0 %
customer satisfaction for finding the best deals on the UK market
£ 0
total donated to various charities

Why Choose Us

0 %
5-star reviews on Google
£ 0
total donated to various charities
0
years we have been as independent mortgage and protection brokers
0 %
customer satisfaction for finding the best deals on the UK market

Embarking on the journey to secure your health means investing in your future well-being and peace of mind. Ascot Mortgages, your trusted partner in the realm of protection solutions, is poised to illuminate the path to health insurance in the UK, assuring that your choices are both informed and tailored to your unique needs.

What Our Clients Say About Us

5.0 Based on 142 reviews from review us onAreti D. ★★★★★ Absolutely thrilled with the exceptional service provided by Ascot Mortgages Ltd and especially by Natalia Barry! Even though our home purchase hasn't been completed yet, we couldn't wait to share our positive experience. From the moment we reached out, their professionalism and expertise shone through, making the daunting process of securing a mortgage a breeze.Not only did Natalia navigate the intricacies of the mortgage market with finesse, but they went above and beyond by suggesting other high-quality services, including solicitors and insurance providers. This comprehensive approach is making the entire home-buying journey seamless and stress-free.Natalia took the time to understand our unique needs and financial situation, ensuring that the options presented were tailored perfectly.Communication is prompt and clear throughout, leaving us feeling informed and confident at every stage. Natalia had our best interests at heart, going the extra mile to secure a fantastic mortgage deal.We cannot recommend Ascot Mortgages and Natalia highly enough. If you're in need of mortgage assistance, look no further. With their expertise and dedication to client satisfaction, you're in the best hands possible. A huge thank you to Natalia for making our home-buying experience a dream come true!Ashley Cox 1. ★★★★★ Would 100% recommend. Myself and my partner are currently going through the mortgage process as first time buyers. Natalia Barry has dealt with our application from day one. She has always been on hand to help, informative throughout and reliable when we have had questions. She has given us several options and broken them down into simple terms to help us. Natalia has truly been exceptional who deserves every bit of credit. We certainly got lucky having her as our first mortgage consultant.Dominik S. ★★★★★ Alison and the Ascot Team are excellent. I have used them for 5 years now and they deliver the most competitive mortgage deals fast. Just what I need. Thank you!Eric T. ★★★★★ We have dealt with Ascot Mortgages twice. Once for a mortgage about eleven years ago and recently for life insurance.In both cases we were treated with the utmost respect and professionalism.In the case of the life insurance application, we considered ourselves to be problem customers because of our age and numerous health issues.Richard Johnson, who managed this application couldn't have been more helpful.He worked in our best interest and was dedicated to providing an excellent service.We were kept up to date through all of the stages of the application and when our doctors were very slow in producing medical reports for the insurance company he persisted where others might have given up.The service we had from Richard was pleasant and professional throughout some difficult stages.My wife and I have no hesitation in recommending Ascot Mortgages.Zack R. ★★★★★ Having dealt with Ascot Mortgages and Alison for many years now I can say that you wont find a more professional, knowledgeable and efficient company to help with your mortgage. Alison is patient and makes the whole process seem easy. She has the answer to any question you have and seems to genuinely care. I can not recommend enough. I am sure I will be using Ascot Mortgages for years to come.Umair Z. ★★★★★ It has been a fantastic experience to work with both Phil and Jardelle at Ascot Mortgages to secure a mortgage product for my first home. Phil made the mortgage process smooth and easy. They are professionals and know what they are doing. Very pleased with the service and communication. would highly recommend them.Hello at NLP West M. ★★★★★ I needed a buy to let re-mortgage. Ascot were efficient from start to finish. I can recommend them completely especially because they can search the whole spectrum of mortgage lenders and meet the clients needs. never waiting for staff to get back and always kept me in the loop.Onohomen O. ★★★★★ ZHOU J. ★★★★★ It has been a brilliant experience to work with both Phil and Jardelle at Ascot Mortgages to secure a great mortgage product for our next home. Given how challenging the current market is, they have done a fantastic job to meet our needs with their expertise, professionalism and effectiveness. We would highly recommend their services to whom seeks help with their property purchase.Nicholas S. ★★★★★ Fantastic service. Ellie and Jardelle were always quick to reply to any queries and very helpful throughout the process. Highly recommend!Stacey S. ★★★★★ Jason was brilliant to work with! Always on top of the transaction! Would highly recommend 👍Scott ★★★★★ Although I've not bought anything yet, they (Jason in particular) have been super helpful in my search for the right mortgage deal, whilst also giving an honest opinion during these difficult times. Would highly recommend.Sandra I. ★★★★★ Fantastic from start to finish! Natalia and Jason found me the best rate for my remortgage and they were extremely efficient! Best service I’ve ever received from a brokerage company. Thanks so much.Virmantas N. ★★★★★ Amazing service and great communication. Ellie Morgan had quickly completed all requests and over delivered all expectations.Highly recommended for those who want to get the stuff done without any delays!David W. ★★★★★ I have used ascot for 3 renewals since they done helped me with my purchase which was complicated and will continue to use them going forward. Very fair prices and very helpful and knowledgeable even with just general information.Adam B. ★★★★★ Natalia made life very easy for us when remortgaging. Third time using ascot always a breezeTaff G. ★★★★★ Ascot Mortgages have been brilliant. Easy to work with and incredibly helpful. I am always happy to recommend them. Natalia and Jason have made the whole process much easier than I was expecting. Excellent service.Daryl L. ★★★★★ We've had a fantastic experience with Natalia Barry and Jason Jones at Ascot Mortgages for our property purchases and refinancing. Their expertise, coupled with genuine care and understanding of our needs, made the process smooth and stress-free.They were consistently communicative, keeping us informed at every step. Their assistance in consolidating our protection cover was invaluable, simplifying what could have been a complex process.What set them apart was their personal touch – always polite and ready to pick up the phone for a chat. This level of personal engagement is rare and much appreciated.In short, Natalia and Jason are not just skilled professionals but also truly dedicated to their clients. We highly recommend their services to anyone in need of mortgage advice.Sarah A. ★★★★★ I have used this firm for several years and they have always been super helpful and supportive, attentive and resolved issues in really useful ways. Shout out to Alison, Ellie and Jardelle (and the team!)Georgia W. ★★★★★ We worked with Ellie to secure our mortgage and protection, and she was a dream! Being a first time buyer, I was quite clueless about the process, and in a time where mortgage rates have been quite high, she worked right til the end to make sure we were getting our mortgage at the best possible rate and was always available to answer all questions I had. Can't recommend enough 🙂Richard D. ★★★★★ Laura S. ★★★★★ As a first time buyer, trying to navigate through potential mortgages was a very daunting thought. Ascot Mortgages were recommended to me and I've been extremely happy with the service provided. They have guided me through every step and I finally have a mortgage. Very pleased and would recommend.Lucy B. ★★★★★ Having Phil as my mortgage advisor was great from the very start! He is down to earth and speaking to him was always a pleasure. The kindness, compassion and support I have been given all the way through what can be a stressful process was immeasurable. Phil and Jardelle worked as a solid team and was able to make me feel at ease all the way through buying my first home. The team were always available and the communication between everyone was always clear and I felt safe in the hands of the company as a whole. Thank you for helping me buy my first home!Flora R. ★★★★★ I worked with Richard (Protection Adviser) for a couple of days to sort out life and critical illness insurance. Absolutely brilliant, he found me and my husband the perfect policy. Very knowledgeable and easy to get on, he definetely makes things easy to understand. Thank you for the great service provided.Matthew R. ★★★★★ I've dealt with Phil at Ascot Mortgages for a while now and Phil always comes back back to me with the right plan.Keep the good work up!js_loader

Written by:

Richard Johnson

Ascot Protection Expert

Last Updated:

18.04.2024

Written by:

Richard Johnson

Ascot Protection Expert

Last Updated:

18.04.2024

What is Health Insurance?

Health insurance is a type of insurance coverage that pays for medical, surgical, and sometimes dental expenses incurred by the insured. In the UK, while the NHS provides excellent healthcare services, private health insurance offers individuals the opportunity to access private healthcare facilities, which can mean shorter waiting times, access to a broader range of treatments and medications, and the comfort of private hospital rooms. Choosing to invest in health insurance means taking a proactive step towards securing timely and high-quality medical treatment, ensuring that, should you encounter health challenges, you are well-positioned to receive the best possible care.

What Does Private Health Insurance Cover?

Private health insurance in the UK is designed to cover the costs of private medical treatment for acute conditions that develop after your policy has started. It typically covers:

– Specialist consultations and surgery

– Hospital stays and nursing care

– Diagnostic tests and imaging

– Cancer treatment

– Mental health support

It is crucial to read the policy details carefully, as the extent of the cover can vary significantly between providers. Some policies might exclude chronic conditions, pre-existing medical conditions, and certain types of treatments and medications. Ascot Mortgages can guide you through the nuances, helping you to find a policy that aligns with your needs and expectations.

How Does Private Health Insurance Work?

Once you have taken out a private health insurance policy, if you fall ill and need treatment, you have the option to receive care privately. The process typically involves:

  1. Consultation with GP: Visit your GP who will assess your symptoms.
  2. Referral for Private Treatment: If necessary, your GP will refer you for private treatment.
  3. Approval from Insurance Provider: Contact your health insurance provider to confirm that your treatment is covered.
  4. Receiving Treatment: Once approved, you will receive private treatment, and the insurance company will settle the bills directly with the healthcare provider.

You may also have the option to select the hospital and consultant, subject to the terms of your policy.

How Much is Health Insurance?

The cost of health insurance in the UK can vary widely based on several factors, including your age, medical history, lifestyle, the level of coverage you choose, and any additional extras or options you add to your policy. Ascot Mortgages is adept at helping you compare different health insurance quotes, ensuring that you find a balance between cost and coverage, and securing a policy that aligns with both your healthcare needs and budget.

Who Can I Cover on My Health Insurance Policy?

Health insurance policies can be tailored to cover just yourself, or they can extend to your spouse/partner, children, or the entire family. Family health insurance policies offer the convenience of a single plan that covers all members, often providing a more cost-effective solution compared to individual policies for each family member. Whether you are seeking individual or family coverage, Ascot Mortgages is on hand to guide you through the options and help you find a policy that provides the protection you and your loved ones need.

Is Private Healthcare Worth It?

The value of private healthcare is subjective and depends on individual priorities, health needs, and financial circumstances. For many, the shorter waiting times, access to a wider range of treatments, choice of consultants and hospitals, and the comfort of private facilities make it a worthwhile investment. Private healthcare can offer peace of mind, knowing that should you need medical treatment, you have swift access to high-quality care. Ascot Mortgages can provide expert advice, helping you weigh the benefits against the costs and determine whether private healthcare aligns with your needs and lifestyle.

Alison Gibson

Ascot Mortgage Expert

Remortgage

Remortgaging is applied when you keep

living in your present property while applying for another mortgage deal with a new lender. Before finding out how to remortgage and get the best offers from experts like Ascot Mortgages, you have to check meeting what parameters of the deal that can help you succeed the most. The range of background factors varies a lot — from the recently changed loan-to-value ratio or your existing agreement coming to an end.

Whether you are trying to get a more beneficial deal or searching for funding to improve your home conditions, remortgaging is one of the most advantageous scenarios to consider.

What Additional Policy Extras Can I Get with Health Insurance?

Many health insurance providers offer additional extras and options that you can add to your policy for enhanced coverage. These may include:

– Outpatient Cover: Covering the cost of outpatient appointments and treatments.

– Dental and Optical Cover: Cover for dental and optical treatments and check-ups.

– Therapies Cover: Cover for physiotherapy, chiropractic treatment, and other complementary therapies.

– Mental Health Cover: Additional cover for mental health support and treatment.

– Travel Insurance: Cover for medical costs incurred while travelling abroad.

Ascot Mortgages can guide you through the available extras, helping you tailor your health insurance policy to your specific needs and priorities.

What Do I Need to Get a Health Insurance Quote?

To obtain a health insurance quote, you will typically need to provide:

– Personal details such as age, address, and occupation.

– Lifestyle information including smoking status and alcohol consumption.

– Medical history including pre-existing conditions and ongoing treatments.

– Details of the level of coverage and any additional extras you require.

Our protection advisor Richard can simplifies the process, offering a seamless experience in obtaining and comparing health insurance quotes, ensuring transparency, and helping you make informed decisions about your healthcare coverage.

Navigating the world of health insurance requires insight, clarity, and a partner who understands your needs. At Ascot Mortgages, we are committed to acting as your experienced protection advisor in the UK, ensuring compliance with UK law and protection regulations, and guiding you to health insurance solutions that bring you peace of mind and security.

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FAQ

The cost of health insurance varies depending on individual circumstances, the level of cover chosen, age, health, and lifestyle factors. On average, monthly premiums can range from £20 to several hundred pounds.

This depends on individual preferences and circumstances. Some value the faster access to treatments, choice of specialist or hospital, and comfort of private facilities. However, the UK’s NHS provides comprehensive medical care, making private health insurance a personal choice rather than a necessity.

Yes, there are many providers in the UK offering a range of private health insurance policies tailored to various needs and budgets.

Neither is universally “better”. The NHS provides comprehensive care to all residents. Private health care may offer quicker access to treatments and specialists, and private rooms in hospitals. It’s a matter of personal preference and priorities.

Health insurance is a policy that covers the cost of private medical treatments, from diagnosis to treatment. Policies can also include cover for loss of income, and other care.

There are several types, including:

– Individual health insurance

– Family health insurance

– Joint health insurance

– Children’s health insurance

– International health insurance

Coverage varies, but generally, it might cover:

– Specialist consultations and surgery

– Hospital stays

– Cancer treatment

– Mental health care

In the UK, health insurance is optional due to the comprehensive coverage provided by the NHS.

Most insurers will provide cover for all ages, though premiums may increase with age. Some policies might have age limits for initial policyholders.

Typically, you’d contact your provider’s claims department, provide details about the medical treatment needed, and obtain authorization for coverage.

An excess is the amount you agree to pay towards a claim. Choosing to pay a higher excess can reduce your premium, but you’ll need to pay more upfront when you claim.

Yes, you can switch providers, though there may be implications or charges for cancelling early. It’s essential to check the terms of your current policy.

Your insurer will typically send a renewal notice outlining any changes in terms or premiums. You can then decide to renew, adjust, or switch policies.

Some policies do cover routine check-ups and preventive care, while others might not. Always check the specifics of your policy.

Many modern health insurance policies offer coverage for mental health care, but the extent of coverage can vary. It’s crucial to review the policy details.

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