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Why Choose Us

0 %
5-star reviews on Google
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
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 122 reviews from review us onLucy 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!rafal W. ★★★★★ I would thoroughly recommend Phil Greenwood at Ascot Mortgages ltd to anyone looking to seek advice on purchasing a home.Phil was absolutely fantastic. He made the process very smooth and easy and was always there to answer any questions I had.Shahid L. ★★★★★ This company has been truly amazing in constantly giving me the support and help i need for my mortgage and for their continuous work ethic guiding customers like myself and educating them into making the best possible decisions. My special mention goes to Phil Greenwood who deserves every single credit for his brilliant work and communication skills. The more I got to work with Phil, the more he gained my respect as he is a hugely likeable man and possibly the best mortgage advisor yet. Even after I finished my time with Ascot Mortgages, I will never lose my trust in the company and I hope they exceed their business and gain even more success and popularity.Best wishes,Shahid Latif and familyPretty L. ★★★★★ Phil helped me renew my mortgage. He was great at keeping me updated with any rate changes and secured a lower rate than at the time my mortgage went through. Thank you Ascot for your supportNikki E. ★★★★★ Huge thanks to Richard Johnson for sorting out all of my insurance policies! I had accumulated a variety of life cover and various other policies over the years that all needed a good review and refresh. Richard was extremely patient and helped me to remove the duplication and choose the best cover to suit our current needs. I have used Ascot Mortgages for over 12 years and have met several members of the team, always finding the right help and support to work through what can be a complicated and stressful time. Thanks again, Richard!Aamir R. ★★★★★ As first time buyers we had very little understanding of how to go about applying for a mortgage. Phil was so helpful in cutting through all of the formalities and helping us to decide which mortgage would be best for us also ensured we collated all the details needed and kept us up to date on progress. The process of finding the right house was very stressful but the process of choosing and applying for the mortgage and life cover has been so straight forward that, at times, we were worried it was all a bit too smooth! Thank you for guiding us through this so professionally and with real understanding and personality.Andrew T. ★★★★★ Working with Richard at Ascot has been a great experience. He listened to us and was very professional throughout. This was our first experience with Richard but we've been using Ascot now for 6-7 years. Thank you all at AscotAngie B. ★★★★★ Always give a great service and find you a mortgage in a timely fashion.Alison is awesomeAndrew M. ★★★★★ We have used Ascot Mortgages for over 5 years now and have had excellent service throughout, primarily with Alison and Kevin. Our latest dealings have been with Richard Johnson who although new to us (and to Ascot I believe) has once again provided the 5 star level of service we have come to expect. His product knowledge is excellent offering a range of options supported with consistent communication and updates, always available on the phone or on email every step of the way.Ali H ★★★★★ Excellent service, a big thanks to Natalia Barry for her excellent support with my buy to let mortgage application, Natalia was professional, transparent, and kept me informed during all the process, and thanks to Jason jones for his assistance and support.david R. ★★★★★ I have dealt with Ascot for many years now and will always go back, recently had all my insurances re done by Richard Johnston at the firm, excellent service, communication and swift actions by Richard. Great deals on all three insurances and would recommend anybody to go to Richard for help. Thanks Richard 👍Eve Alexandra C. ★★★★★ We used Ascot Mortgages to purchase a home as first time buyers, Ellie assisted us with this and went above and beyond to ensure everything went smoothly, all questions were answered, and any queries were solved.As first time buyers, myself and my partner were quite nervous and clueless as to what to expect when getting a mortgage and what not, and Ellie made this so simple and explained everything in a way that we thoroughly understood what was happening with our house buying journey, without it being pure jargon.I can't thank Ellie enough, she truly has been a star during the whole experience and is an asset to Ascot Mortgages.She is someone who I would definitely recommend to friends and family if the opportunity arises, and has made this whole experience a very stress free and exciting one!Thank you for everything Ellie!Emma W. ★★★★★ Alison helped me to get the right mortgage for my current situation and was very supportivehelen L. ★★★★★ Phil Greenwood dealt with my recent remortgage, he made sure I had the best product to fit our HMO criteria. Then chased solicitors for me and made sure I completed around the date I wanted to avoid my ridiculous rate I was about to be switched to. Thanks Phil, great job! Ready for my next mortgage now so I will be coming back 🙂Mark C ★★★★★ Excellent service from an excellent representative. Very professional and helpful company. Thank you for all your helpDamian L. ★★★★★ I recently purchased a buy-to-let from Auction and Ascot Mortgages, in tandem with Ascot Bridging Finance, supported me through the whole process. Once the property purchase via a bridging loan was complete, Ascot Mortgages worked out the best options for me, despite the Banks rising interest rates and spiralling UK inflation and managed to secure me a competitive mortgage rate for that property. I wouldn't hesitate in going back to Ascot Mortgages in the future and look forward to working with them again in the near future. Thank you for everything you've doneJuliet B. ★★★★★ Thank you to Alison for helping us and sorting out our mortgage. Swift, reliable and very helpful. Very much appreciated. God bless you abundantly 👍👌🤝gareth P. ★★★★★ Been with Alison and team for more than 25 years. Needless to say, very happy...Jo T. ★★★★★ We have been using Ascot Mortgages for the last few years and they have done 11 buy to let products for us.We have found Alison, Phil, Jason, Jardelle and the team to be excellent at finding the best product for us and to work at pace when we are buying from auction and have a deadline to meet.Communication is very good and nothing is too much troubleBen H. ★★★★★ I can't recommend Ascot Mortgages highly enough.We have used them for all of our Mortgages . They are professional and friendly and have walked us through all our options, they always have the time to talk to you and go the extra mile to get you the best deal. It wont be long till I'm calling on their services again, I wouldn't go anywhere else.If you want a mortgage, there's only one place to go!Dog J. ★★★★★ Ascot went the extra mile to help me acquire a mortgage. With the help of Jason and Ellie I was able to get a competitive rate after 3 other firms had told me they couldn't help me. Great levels of communication throughout, I would highly recommend!Ursula B. ★★★★★ Alison was very friendly and professional in securing the right bridging for us and at a very competative price. This ensured that we were able to place an immediate offer and not miss out on our forever home. Later her help and support in finally getting our completion over the line was nothing short of a miracle. I would strongly recommend both Alison and the team at Ascot Mortgages.primrose C. ★★★★★ ALISON IS BY FAR THE BEST IN THE GAME. ALL WE CAN SAY IS THANK YOU SO MUCH. They are passionate on customer service, even in my frustrated time Alison, Jadelle, Ellie I could name them all. May the good LORD BLESS YOU.js_loader

Written by:

Richard Johnson

Ascot Protection Expert

Last Updated:


Written by:

Richard Johnson

Ascot Protection Expert

Last Updated:


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.

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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


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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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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