Comprehensive private health insurance
Income Protection
Solutions for you and your family
Keeping your health insurance affordable
- Health insurance
- International health insurance
- Life insurance
- Critical illness cover
- Income protection
Ensuring the health and well-being of your family is essential, and at Protectus Healthcare, we’re here to help you achieve that with ease. Our private health insurance policies are designed to provide you with peace of mind, knowing that you and your loved ones have access to the best medical care available.
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Experienced guidance
With decades of experience as an independent health insurance broker, we offer expert advice and personalised recommendations to help you find the best private health insurance plan for your family.
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Customised solutions
Our bespoke service begins with a one-to-one discussion to address any questions you have and tailor your policy to your unique circumstances. We believe in providing solutions that fit your life perfectly.
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Trusted partnerships
We partner with leading private health insurers to offer you the most suitable and cost-effective insurance plans. Our strong relationships with these providers ensure you get extensive coverage options, including comprehensive cancer cover and drugs.
Navigating international health insurance can be complex due to the variety of coverage options and regulations across different countries. Specialising in tailored international health insurance solutions for expats and employees working abroad, we ensure you have the right coverage no matter where life takes you.
International health insurance covers a wide range of medical costs for acute illnesses and injuries, offering comprehensive coverage that often includes chronic conditions not typically covered in the United Kingdom.
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Expertise in global healthcare insurance
With two decades of experience as an independent international healthcare insurance broker, we offer customised policies designed specifically for expats and global workers. Our deep expertise ensures you receive expert guidance and solutions tailored to your unique situation.
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Personalised service
Wherever you are in the world, we provide personalised service to ensure your insurance policy meets local requirements while meeting your individual needs. Our goal is to simplify the process and provide reassurance.
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Partnerships with leading insurers
We’ve established long-standing relationships with top international healthcare insurers, allowing us to secure the most suitable and competitive deals for you.
Planning for the future means safeguarding your loved ones against the uncertainties that life may bring. Life insurance cover is a crucial consideration for anyone with dependents, ensuring their financial security remains intact even in your absence. Whether paying off debts, funding education or providing ongoing support, it plays a fundamental role in protecting your family’s future well-being.
Life insurance, also known as life assurance, is an essential way to safeguard your family’s financial future. It provides a lump sum payment in the event of your death, offering assurance and security for your dependents.
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Level term life insurance
Provides a fixed lump sum payout if you pass away during the policy term.
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Increasing term life insurance
Adjusts the payout over time to account for inflation, ensuring the value of the sum assured keeps pace with rising costs.
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Decreasing term life insurance
Designed to cover a repayment mortgage, with the payout decreasing as the mortgage balance reduces over time.
Facing the possibility of a critical illness is daunting, yet it can impact anyone, regardless of their health and fitness. As life expectancy increases, so does the likelihood of serious illnesses such as cancer, stroke or heart conditions. These conditions, covered by critical illness policies, can severely impact your financial stability, especially during treatment and recovery when you may need time away from work.
A critical illness policy provides a tax-free lump sum payment if you’re diagnosed with a specified serious illness or medical condition. This financial support can be used at your discretion, whether for adapting your home to accommodate health needs, clearing debts or investing in your business. Many people choose to combine critical illness cover with life insurance, making expert advice essential. Our friendly and knowledgeable team at Protectus Healthcare is here to help you understand your choices and find the right coverage for your needs.
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Specialists in critical illness cover
With decades of experience as independent healthcare brokers specialising in critical illness insurance, we offer expert advice and personalised guidance to navigate your options.
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Tailored policy solutions
We will work closely with you to advise on the best specific level of critical illness cover, to suit you and your family.
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Partnerships with the UK’s leading insurers
Through our longstanding relationships with established insurers, we can ensure you find the right policy that meets your needs effectively.
Have you ever wondered how long you could manage to cover your bills if you were unable to work due to an accident or illness? Each year, close to a million individuals find themselves off work for longer than a month due to unforeseen circumstances. If you were in this situation, how long could you rely on savings or sick pay to cover your bills?
Income protection provides vital support if you’re unable to work due to illness or injury. It ensures you can continue to meet your financial obligations, offering peace of mind during challenging times.
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Long-term income protection
Also known as permanent health insurance, this cover is fully underwritten at the time of application. After an agreed deferred period, it provides financial support until retirement, death or your return to work.
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Short-term income protection
This option, including policies like Accident, Sickness & Unemployment (ASU) or Mortgage Payment Protection (MPPI), offers more affordable coverage. It typically doesn’t require full underwriting and provides benefits over a shorter, specified period, usually one to two years.
Item #1
Private health insurance
Choose comprehensive coverage for your health
Ensuring the health and well-being of your family is essential, and at Protectus Healthcare, we’re here to help you achieve that with ease. Our private health insurance policies are designed to provide you with peace of mind, knowing that you and your loved ones have access to the best medical care available.
Understanding private health insurance
Private health insurance, also known as private medical insurance, covers the cost of private medical treatment for acute illnesses or injuries. Depending on your chosen policy, this can include benefits like private hospital rooms, coverage for surgeons’ and specialists’ fees, outpatient treatments such as physiotherapy as well as daycare procedures.
Why trust Protectus Healthcare for your private health insurance?
Experienced guidance: With decades of experience as an independent health insurance broker, we offer expert advice and personalised recommendations to help you find the best private health insurance plan for your family.
Customised solutions: Our bespoke service begins with a one-to-one discussion to address any questions you have and tailor your policy to your unique circumstances. We believe in providing solutions that fit your life perfectly.
Trusted partnerships: We partner with leading private health insurers to offer you the most suitable and cost-effective insurance plans. Our strong relationships with these providers ensure you get extensive coverage options, including comprehensive cancer cover and drugs.
International health insurance
Access quality healthcare anywhere in the world
Navigating international health insurance can be complex due to the variety of coverage options and regulations across different countries. Specialising in tailored international health insurance solutions for expats and employees working abroad, we ensure you have the right coverage no matter where life takes you.
Understanding international health insurance
International health insurance covers a wide range of medical costs for acute illnesses and injuries, offering comprehensive coverage that often includes chronic conditions not typically covered in the United Kingdom.
Why trust Protectus Healthcare for international health insurance?
Expertise in global healthcare insurance: With two decades of experience as an independent international healthcare insurance broker, we offer customised policies designed specifically for expats and global workers. Our deep expertise ensures you receive expert guidance and solutions tailored to your unique situation.
Personalised service: Wherever you are in the world, we provide personalised service to ensure your insurance policy meets local requirements while meeting your individual needs. Our goal is to simplify the process and provide reassurance.
Partnerships with leading insurers: We’ve established long-standing relationships with top international healthcare insurers, allowing us to secure the most suitable and competitive deals for you.
Life insurance cover
Ensure financial stability for your loved ones
Planning for the future means safeguarding your loved ones against the uncertainties that life may bring. Life insurance cover is a crucial consideration for anyone with dependents, ensuring their financial security remains intact even in your absence. Whether paying off debts, funding education or providing ongoing support, it plays a fundamental role in protecting your family’s future well-being.
Understanding life insurance cover
Life insurance, also known as life assurance, is an essential way to safeguard your family’s financial future. It provides a lump sum payment in the event of your death, offering assurance and security for your dependents.
Types of life insurance cover
Level term life insurance: Provides a fixed lump sum payout if you pass away during the policy term.
Increasing term life insurance: Adjusts the payout over time to account for inflation, ensuring the value of the sum assured keeps pace with rising costs.
Decreasing term life insurance: Designed to cover a repayment mortgage, with the payout decreasing as the mortgage balance reduces over time.
Income protection insurance
Protect your income against life’s uncertainties
Have you ever wondered how long you could manage to cover your bills if you were unable to work due to an accident or illness? Each year, close to a million individuals find themselves off work for longer than a month due to unforeseen circumstances. If you were in this situation, how long could you rely on savings or sick pay to cover your bills?
Understanding income protection insurance
Income protection provides vital support if you’re unable to work due to illness or injury. It ensures you can continue to meet your financial obligations, offering peace of mind during challenging times.
Types of income protection insurance
Long-term income protection: Also known as permanent health insurance, this cover is fully underwritten at the time of application. After an agreed deferred period, it provides financial support until retirement, death or your return to work.
Short-term income protection: This option, including policies like Accident, Sickness & Unemployment (ASU) or Mortgage Payment Protection (MPPI), offers more affordable coverage. It typically doesn’t require full underwriting and provides benefits over a shorter, specified period, usually one to two years.
Critical illness cover
Secure your future against critical illness
Facing the possibility of a critical illness is daunting, yet it can impact anyone, regardless of their health and fitness. As life expectancy increases, so does the likelihood of serious illnesses such as cancer, stroke or heart conditions. These conditions, covered by critical illness policies, can severely impact your financial stability, especially during treatment and recovery when you may need time away from work.
Understanding critical illness cover
A critical illness policy provides a tax-free lump sum payment if you’re diagnosed with a specified serious illness or medical condition. This financial support can be used at your discretion, whether for adapting your home to accommodate health needs, clearing debts or investing in your business.
Many people choose to combine critical illness cover with life insurance, making expert advice essential. Our friendly and knowledgeable team at Protectus Healthcare is here to help you understand your choices and find the right coverage for your needs.
Why trust Protectus Healthcare for your critical illness insurance?
Specialists in critical illness cover: With decades of experience as independent healthcare brokers specialising in critical illness insurance, we offer expert advice and personalised guidance to navigate your options.
Tailored policy solutions: We understand that each illness is unique. We’ll work closely with you to find a critical illness insurance policy that aligns with your specific condition and preferences.
Partnerships with global leaders: Through our established relationships with top insurers worldwide, we can ensure you find the right policy that meets your needs effectively.