Thanks Obinna for such a thorough…
Thanks Obinna for such a thorough service. You took your time and patiently explained life insurance to me. Great service!
Private Medical Insurance
Access Private Care When You Need It
Private medical insurance helps you get faster access to diagnosis and treatment — with cover options that fit your budget, family and preferred hospitals.
300+
Wealth of lenders in the market
20k+
Reviews & 5 Stars Trustpilot results
5.0
Over 20+ years
in the industry
It was very thorough and patiently…
It was very thorough and patiently session. Ensured I understand everything and he answered every question I had and reassured me and gave me a good for thou…
Professional
Nice speaking with him. Very professional in his advice and patient in answering all questions. He deserve a 6 star not just 5.
5* Mortgage Broker
True to her name Madiha is truly praiseworth. She walked through the entire process of getting a mortgage offer concisely and thoroughly. We are super happy…
Excellent Service, 100% recommend
Madiha was absolutely amazing when it came to sorting out our mortgage and talking us through the process she is extremely knowledgeable. As first time buyer…
Andrew Latto was great
Andrew Latto was great throughout our remortgage process. Very responsive and patient despite an unforeseen issue our end. Would highly recommend.
Explained each steps
Explained each steps, explored various options.
Our Mortgage Experience
Our experience from the start to the end was a top notch with Mr Gbenga Peter Olubayo. Every tiny detail was simplified and made very easy for us. He sends r…
The mortgage broker is really truthful
The mortgage broker is really truthful, honest, patient, and really amazing. She has been very professional, yet empathetic all the way.
I recently took out a protection…
I recently took out a protection policy through Access Financial Services from an Advisor Shahid, and I couldn't be happier with the experience. The advisor…
Private medical insurance (PMI) is designed to help you access private hospitals and specialists for eligible conditions — often with shorter waiting times than relying on the NHS alone.
Policies vary on outpatient cover, hospital lists, excess levels and whether cancer or mental health treatment is included. Choosing the right structure can keep premiums affordable without leaving important gaps.
Because we are whole-of-market, we compare leading insurers on price, hospitals and underwriting — so you get cover that fits your family, health history and budget without the jargon.
Speak to an Expert
Why Consider Private Medical Insurance?
- Faster access to private diagnosis and treatment
- Choice of hospitals and specialists (policy dependent)
- Options for individuals, couples and families
- Excess and hospital-list choices to control cost
- Outpatient, cancer and mental health add-ons available
- Can complement NHS care rather than replace it
- Whole-of-market advice with clear fee disclosure
How it Works
Get started today in 3 simple steps
01Tell us your needs
Share who needs cover, your budget and any priorities such as cancer or outpatient benefits. We outline options with no obligation.
02We Compare The Market
Your adviser searches leading insurers for hospital lists, excesses and premiums that fit your circumstances.
03You're Covered
Policy placed and documents issued. We will review your cover regularly and help if you need to make a claim.
Our Protection Services
Life Insurance
Pays a lump sum to your family if you die. Level or decreasing term. Joint or single. We'll find the right policy.
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Critical Illness Cover
Pays out a tax-free lump sum on diagnosis of a specified serious illness such as cancer, heart attack or stroke.
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Income Protection
Replaces a proportion of your income if you're unable to work due to illness or injury. Short or long-term.
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Family Income Benefit
Regular tax-free payments to your family if you die during the policy term — often a cost-effective alternative to lump sum cover.
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Whole of Life Insurance
Lifelong cover that pays out whenever you die — often used for inheritance planning or funeral costs.
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Private Medical Insurance
Access private healthcare when you need it — we compare providers to find cover that fits your budget and needs.
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Business Protection
Key person, shareholder and loan protection to safeguard your business if a key individual dies or becomes critically ill.
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Accident Cover
Pays a lump sum if you're injured in an accident — helping cover recovery costs and time off work.
Read MoreCommon Private Medical Questions
No — private medical insurance complements the NHS. You keep full NHS access; PMI can give you an option for faster private treatment for eligible conditions.
Usually not immediately — most policies exclude or moratorium conditions you already have. Underwriting rules vary by insurer, so we explain what is likely to be covered before you apply.
Choosing a higher excess, a restricted hospital list, or trimming outpatient benefits can reduce cost. We balance affordability against the cover you actually need.
Yes — many insurers offer couple and family policies. We compare individual vs family pricing so you can see which is better value for your household.
Outpatient cover can include specialist consultations, diagnostics and therapies without an overnight hospital stay. Limits vary — we will explain what is included on each quote.
Trusted By 1200+ Satisfied Customers
Access Financial Services exists to take you there. We're more than a finance provider; we're a trusted guide, delivering smart advice, personalized solutions, and the clarity needed to move forward with confidence. With Access, financial security isn't imagined—it's achieved.
Whole-of-market advice with a personal touch. Our team helped me find the right mortgage deal without the jargon — highly recommended.
From protection to commercial lending, Access guided us every step of the way. Professional, transparent, and always available.
