Lifepoint Healthcare Ltd

Lifepoint Healthcare Ltd Lifepoint Healthcare is an award-winning, independent health insurance broker based in London.

Thank you so much for this amazing review, Avner!Mica and Lianne were both delighted by your kind words 😊
30/07/2026

Thank you so much for this amazing review, Avner!

Mica and Lianne were both delighted by your kind words 😊

28/07/2026

When arranging health insurance, you'll often come across the term:

Full Medical Underwriting (FMU).

But what does it actually mean?

With Full Medical Underwriting, you'll usually complete a medical questionnaire when you apply for cover.

The insurer reviews your medical history before the policy starts and confirms any exclusions that will apply.

This means you'll generally know from day one which conditions are covered and which are not.

Some people prefer Full Medical Underwriting because:
✓ Greater clarity from the outset
✓ Fewer surprises at claim stage
✓ Known exclusions are confirmed early
✓ Easier to understand where you stand

The trade-off is that the application process can be more detailed than with moratorium underwriting.

Neither option is automatically better.

The right choice depends on your circumstances, medical history, and personal preference.

Understanding the difference before you apply can help you make a more informed decision.

Which would you prefer: a quicker application process or greater certainty from day one?

23/07/2026

One of the first things you'll be asked when applying for health insurance is:

"Would you like Moratorium Underwriting or Full Medical Underwriting?"

For many people, that's where the confusion begins.

Here's a simple explanation of Moratorium Underwriting.

With a moratorium policy, you don't usually need to complete a detailed medical questionnaire when you apply.

Instead, the insurer automatically excludes any medical conditions for which you've experienced symptoms, treatment, medication, advice, or consultations during a specified period before joining.

However, those conditions may become eligible for cover in the future if you remain symptom-free and don't require treatment, medication, advice, or monitoring for a continuous period, subject to the insurer's terms and conditions.

Many people choose moratorium underwriting because:
✓ The application process is quicker
✓ Less medical information is required upfront
✓ It can be easier to arrange cover

The downside?

You may not know whether a condition is covered until a claim is assessed.

Moratorium underwriting can be a good option for some people, but it's important to understand how it works before making a decision.

Have you ever heard of moratorium underwriting before?

Conversations around mental health have changed significantly over the last decade.And so have people's expectations of ...
21/07/2026

Conversations around mental health have changed significantly over the last decade.

And so have people's expectations of healthcare.

Today, many individuals and families want faster access to mental health support when they need it.

Whether it's counselling, psychotherapy, psychiatric consultations or structured treatment pathways, access to timely support can make a meaningful difference.

This is one reason mental health benefits have become an increasingly important consideration when comparing health insurance policies.

Not all policies provide the same level of cover.

That's why it's important to understand exactly what is included before making a decision.

Mental health is health.

And for many people, access to support is now just as important as access to physical healthcare.

Do you think mental health cover should be a standard feature on all health insurance policies?

16/07/2026

Buying health insurance can feel overwhelming.

The good news is that asking the right questions can make the process much simpler.

Here are seven worth considering:
1️⃣ What excess am I comfortable paying?
2️⃣ What outpatient cover do I need?
3️⃣ Which hospitals can I access?
4️⃣ What mental health cover is included?
5️⃣ How are pre-existing conditions assessed?
6️⃣ Are therapies such as physiotherapy covered?
7️⃣ What support services are included?

Many people focus entirely on the premium.

But understanding the detail behind the policy is often far more important.

A policy that looks cheaper initially may not provide the cover you're expecting when you need it.

What would be your number one question before choosing a policy?

Have you had a look at the Resources page on our website yet?It's full of guides, ebooks, blogs and FAQs to help guide y...
14/07/2026

Have you had a look at the Resources page on our website yet?

It's full of guides, ebooks, blogs and FAQs to help guide you through your health insurance journey.

And if there's a topic you want a blog post on but can't find... Let us know!

"I'm young and healthy. Why would I need health insurance?"It's a fair question.Many people assume health insurance is s...
09/07/2026

"I'm young and healthy. Why would I need health insurance?"

It's a fair question.

Many people assume health insurance is something to think about later in life.

But some of the most common claims involve conditions and injuries that can affect people of any age.

Sports injuries, back problems, mental health concerns, digestive issues, and unexpected illnesses don't always wait until retirement.

There are also other factors worth considering:
✓ Premiums are often lower when you're younger
✓ You may have more underwriting options available
✓ Cover is in place before you need it
✓ It can provide reassurance during life's unexpected moments

Of course, health insurance isn't right for everyone.

But age alone shouldn't be the reason to dismiss it.

At what age did you first consider private health insurance?

One of the biggest misconceptions about health insurance is that it covers everything.In reality, cover varies between p...
07/07/2026

One of the biggest misconceptions about health insurance is that it covers everything.

In reality, cover varies between policies and insurers.

Common areas that may be covered include:
✓ Specialist consultations
✓ Diagnostic tests and scans
✓ Hospital treatment
✓ Cancer care
✓ Physiotherapy

Areas that may differ between policies include:
• Outpatient limits
• Mental health cover
• Therapies
• Hospital access
• Excess levels

This is why it's important to look beyond the headline premium.

The cheapest policy isn't always the best value.

Understanding exactly what you're buying can help avoid surprises if you ever need to make a claim.

What's the first thing you would want covered if you were choosing a policy today?

"An awesome company with a great bunch of people!" is a pretty amazing way to be described by a client!!Thank you Ligia!
02/07/2026

"An awesome company with a great bunch of people!" is a pretty amazing way to be described by a client!!

Thank you Ligia!

30/06/2026

Health insurance and healthcare cash plans are often mentioned together.

But they're designed for very different purposes.

Health Insurance typically helps cover the cost of private medical treatment, specialist consultations, diagnostics and eligible hospital care.

Healthcare Cash Plans are designed to reimburse everyday healthcare expenses such as:

• Dental treatment

• Eye tests and glasses

• Physiotherapy

• Prescriptions

• Health screenings

Neither is necessarily better than the other.

It simply depends on what you're looking for.

Some people want protection against larger, unexpected medical costs.

Others prefer support with routine healthcare expenses.

Understanding the difference can help you choose the right option for your needs and budget.

Before buying any healthcare product, make sure you know exactly what it is designed to cover.

Please note that whilst Lifepoint Healthcare can supply both, we only help with cashplans if you already hold an SME plan with us 😊

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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