Health Insurance
Private medical insurance for individuals, families and teams — fast access to diagnosis and treatment, with schemes shaped to what you'll actually use.
Cover for people in your position
A starting point, then tailored to you
Cover varies by insurer and by your circumstances — this is the shape of it. We'll confirm exactly what's included before anything is bound.
What you get with Clapton
Underwriting explained honestly
Moratorium versus full disclosure, in plain English — so you know exactly how pre-existing conditions are treated.
Switch without losing cover
Existing schemes moved on continued terms where possible, so accrued cover isn't reset.
Schemes staff actually value
Benefit levels matched to your team and budget, reviewed every year against the suitable insurance markets.
Health Insurance: the questions we're asked
Usually excluded at first, depending on underwriting. With moratorium terms, conditions can become covered after a trouble-free period — we'll walk you through how it works.
Often yes, on continued terms. We handle the comparison so nothing is lost in the move.
Normally yes, as a P11D benefit for employees. We'll outline the implications; your accountant can confirm the specifics.
You may also need
Ready to talk about health insurance?
A short conversation tells us more than any form. We'll come back with cover built around your risk.