Terms of Business

Welcome to My Health Protected Ltd. These Terms of Business explain how we operate and what you can expect when using our services to arrange or manage your health insurance. Please read them carefully, as they are designed to protect you and ensure full transparency under the Financial Conduct Authority’s (FCA) Consumer Duty.

By engaging our services, you agree to these terms.

About Us

We are authorised and regulated by the Financial Conduct Authority (FCA). You can verify our registration on the FCA Register or by calling 0800 111 6768.

Our Services

We are a whole-of-market health insurance broker offering impartial advice based on a fair and personal analysis of the insurance market. This means we review a wide range of providers to ensure the most suitable options for your needs.

What We Offer

• Private Medical Insurance (PMI)
• International Medical Insurance
• Company Health Insurance (including SME and corporate plans)

We are not tied to any insurer and have no contractual obligations to specific companies. This ensures the recommendations we provide are tailored to your personal health needs and financial situation.

Our service includes clear explanations of cover levels, common exclusions, and any relevant underwriting conditions, such as moratorium or full medical underwriting.

Products Designed for You

Our insurance solutions are designed to meet the needs of:

• Individuals and families seeking private healthcare cover
• Retirees looking for comprehensive medical protection
• Businesses aiming to support employee wellbeing

We review our offering regularly to ensure it meets the evolving needs of our clients.

Understanding Your Health Insurance Cover

We help clients find policies that typically include:

Core Cover Benefits

• In-patient care: Surgery and hospital stays
• Out-patient consultations: Tests, scans, and specialist visits
• Day-patient treatment: Procedures not requiring an overnight stay
• Cancer treatment: Including chemotherapy and radiotherapy
• Mental health support: Counselling and talking therapies
• Physiotherapy and diagnostics: Imaging, X-rays, and more

What May Not Be Covered

Typical exclusions include:

• Pre-existing conditions: Unless accepted by the insurer
• Cosmetic procedures: Unless medically necessary
• Routine check-ups: Vaccinations and general screenings
• Chronic condition management: Long-term maintenance is often limited
• Experimental treatments: Without clinical approval
• Unnecessary medical procedures: Based on clinical opinion

We will clearly explain these limits before you take out a health insurance plan, helping you make an informed decision.

Ongoing Support and Renewals

We support you throughout the policy year, not just at the point of sale. Ahead of your renewal date, we will:

• Remind you to review your cover
• Reassess your current needs
• Recommend suitable adjustments or alternative providers if necessary

Failure to renew on time may result in a gap in cover. It’s important to keep your policy under review, especially if your health circumstances change.

Making a Claim

Our team is here to guide you through the claims process. In general:

• Contact your insurer as soon as possible.
• Obtain a referral or diagnosis from a qualified medical professional.
• Submit supporting documents, such as scans, reports, or consultant letters.

Each provider will have its own process. We’ll help you understand eligibility, co-payments, and how long claims may take to process.

The Cost of Our Services

We do not charge you a fee for our service. Instead, we receive a commission from the insurance company, which is a percentage of the annual premium.

You have the right to request details of the commission we receive at any time. We ensure our service offers fair value in line with FCA guidance.

Supporting Vulnerable Clients

We are committed to treating all clients fairly, including those in vulnerable situations. If you require additional assistance, please let us know so we can provide the right support for you.

Complaints Procedure

If you’re dissatisfied with our service, please contact us:

If we can’t resolve your complaint, you may contact the Financial Ombudsman Service:

Financial Services Compensation Scheme (FSCS)

We are covered by the FSCS. If we are unable to meet our obligations, compensation may be available:

• 100% of claims with no upper limit for long-term insurance
• 90% of claims with no upper limit for general insurance

More details: www.fscs.org.uk or call 0800 678 1100

Your Responsibilities

To maintain your cover and avoid rejected claims, you must:

• Provide accurate and complete information
• Notify us of changes in health, lifestyle, or circumstances
• Review your policy documents carefully

Optional Add-Ons and Enhancements

Depending on your needs, we can help you explore options such as:

• Access to top-rated healthcare providers across the UK and Wales
• Enhanced diagnostics and health screening
• Wellness perks: Gym discounts, health checks, and more

Let us know if you wish to customise your health insurance policy.

Data Protection and GDPR

We comply fully with the UK GDPR and handle your personal data responsibly.

• You can request access, correction, or deletion of your data at any time.
• We retain your data only as long as necessary to fulfil our legal and contractual obligations.

For more information, view our Privacy Policy.

Need Help or Have a Question?

We’re here to support you with your private health insurance at every stage.

Confirmation and Consent

By continuing to use our services, you confirm that you understand and accept these Terms of Business.