Terms of Business – My Health Protected Ltd

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.

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.

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.

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.

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

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.

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.

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.

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.

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

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

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

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

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.

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 Notice.

My Health Protected Ltd takes reasonable and appropriate technical and organisational measures to protect client information, systems and electronic communications. However, no website, software platform, email system, hosting environment or electronic communication method can be guaranteed to be completely secure, uninterrupted or free from vulnerabilities.

Clients acknowledge that cyber attacks, hacking incidents, malware, ransomware, phishing attacks, denial of service attacks and other unauthorised activities may occur despite reasonable security measures being in place.

Whilst we take reasonable precautions to reduce these risks, we cannot guarantee the security of information transmitted electronically.

Clients should exercise caution when transmitting sensitive information electronically and notify us immediately if they suspect unauthorised access to their communications.

Third-Party Technology Providers

Our services may rely upon third-party providers including insurers, software providers, hosting providers, cloud storage providers, telephony systems, email providers and other technology partners.

Whilst we carefully select our suppliers, we cannot accept responsibility for outages, failures, interruptions or security incidents arising solely from systems outside our reasonable control.

To the fullest extent permitted by law, My Health Protected Ltd shall not be liable for indirect or consequential losses including loss of profit, loss of business, loss of opportunity, loss of goodwill, loss of data or business interruption arising from the use of our website, electronic communications or services.

Nothing in these Terms shall exclude or restrict liability where such exclusion would be unlawful, including liability for fraud, fraudulent misrepresentation or any liability which cannot legally be excluded. This does not affect your statutory rights, your right to complain or to refer a complaint to the Financial Ombudsman Service, or any protection available to you under the Financial Services Compensation Scheme.

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.