Our Health Insurance Companies
To ensure you get the very best value Private healthcare and the right medical insurance plan for you and your personal circumstance. NestEgg Insurance Services manage agencies with all the leading UK and Worldwide Health Insurance Companies.
Please choose an Insurer to find out more:
A La Carte Healthcare
Allianz Worldwide Care Ltd
Aviva
AXA PPP Healthcare
BCWA Healthcare
BHSF
BUPA
BUPA International
Cigna
Exeter Friendly Society
First Assist
Freedom Healthnet
General & Medical
Global Health International
Goodhealth Worldwide Limited
GoTravel Insurance
Groupama Healthcare
HealthSure
Interglobal Insurance Services Ltd
Medisure
Morgan Price International
Patient Choice
Permanent Health Company
PJ Hayman
PruHealth
Secure Health (UK) Ltd
Standard Life Healthcare
Universal Provident
Westfield Health Scheme
WPA
à la carte healthcare provides international health insurance and travel cover for expatriates of any nationality, local nationals an international business travellers. à la carte healthcare is a company with a reputation for high services standards, comprehensive products, and competitive premiums offering value for money.
The underwriting and claims handling of the international health insurance plans is provided by Allianz Worldwide Care Ltd, ensuring that policyholders are provided with security and knowledge that they have the support of a reputable insurer.
The history of Allianz Worldwide Care extends as far back as 1890. Allianz Worldwide Care are Expatriate Health Insurance Specialists and is part of the Allianz Group, which is one of the leading health insurance companies in the world offering a range of insurance products and services.
For anyone working or living away from home, Allianz Worldwide Care offers the complete assurance that access to the very best private healthcare is always available.
Aviva is the world's fifth-largest insurance group and the largest insurance services provider in the UK. Aviva have provided healthcare in the UK since 1990, previously under the Norwich Union brand, offering a broad range of healthcare insurance choices for both individuals and companies.
Aviva is now recognised as one of the major providers across the Private Medical Insurance (PMI), Income Protection and Occupational Health markets, covering over 2 million lives.
Health insurance schemes from Aviva include a Core Cover plan offering basic health insurance cover for hospital visits, specialists’ fees and tests. You can choose from health insurance extras that provide a broader choice of hospitals as well as dental cover, optical cover and even cover for complementary and alternative medical therapies.
Alongside traditional health insurance schemes, Aviva also offers accidental disability insurance providing you with peace of mind should you suffer an injury which leads to permanent disability as well as a hospital cash plan which provides a cash payout for every day you spend in the hospital in order to help ease the financial burden of being ill.
Signing up for a health policy with Aviva also gives you access to a “personal health manager” that provides 24-hour confidential medical advice and a GP helpline. You can also get health advice and a plan to help make your lifestyle healthier. They even offer reduced rates at fitness centres and gyms across the UK in order to help keep you healthy.
AXA PPP Healthcare is the second largest private medical Insurance company in the UK. Established in 1940, AXA PPP has earned a reputation in offering reliable service and a strong claims history.
AXA PPP mission statement is `to provide quality cover at a realistic price` and offers a range of medical insurance plans with the opportunity for you to enjoy the benefits of a `No Claims Discount` reward, 6 Week Wait Options, flexibility and innovation from one of the UK`s leading private medical insurance companies.
BCWA Healthcare (The Bristol Contributory Welfare Association) can trace its origins of providing quality private health insurance back to 1935 and in January 2005, became part of the HSA group, the UK’s leading Cash Plan provider. BCWA retains its non-profit status which means that they do not have shareholders’ dividends to pay but any surpluses are used to improve benefits and levels of service for their members and keep costs low.
BHSF is a not-for-profit private medical insurance provider that was originally founded as a charity in 1873 in Birmingham as the Birmingham Hospital Saturday Fund. The company provides medical insurance policies to help mitigate the everyday costs of treatments that are not free on the NHS or are oversubscribed and have long waiting lists including dental care, optical care and various health consultations and therapies.
BHSF specialise in working with businesses to provide group healthcare policies which are paid for by the company or by the company’s employees who are offered special group discount rates on private medical insurance and they have the option to deduct the monthly premium from their wages. Some of the companies who offer employee healthcare plans through BHSF include Cadbury’s, Sainsbury’s and Argos.
BHSF provides a range of corporate insurance cover including absence management, life insurance, travel insurance and personal life insurance for individuals. They also offer a Well Woman cancer plan to cover both female and male gender-specific cancers such as breast cancer and prostate cancer.
BUPA is a global health and care organisation and the largest provider of medical insurance plans in the UK. BUPA is an international health and care company with bases on three continents and more than seven million customers. BUPA began as The British United Provident Association in 1947 to preserve freedom of choice in health care.
A provident association, this means that any profit BUPA make is re-invested in better health and care services. A comprehensive range of private healthcare solutions are available from BUPA including private medical insurance plans, travel plans, Health Screenings & Assessments, Hospitals & Routine Medical Expenses plans.
BUPA is a leading health insurance company in the UK, Spain, Australia, Ireland, Hong Kong, Thailand, Malta and Saudi Arabia. BUPA International is the largest international expatriate health insurance company in the world with customers in over 180 countries and a network of more than 5,000 hospitals and clinics around the world.
BUPA International provides a wide range of flexible high quality global health insurance options for groups and individuals living and working abroad for six months or more, anywhere in the world.
CIGNA has been a provider of healthcare since 1912 and been in the UK private health care market since 1983. CIGNA`s parent company is one of the largest insurance companies in the world with total assets of over $100bn. CIGNA Healthcare & Group Life is one of the UK`s leading providers of medical insurance products, offering: private medical insurance, Managed Care services, cover for expatriates and corporate dental plans. CIGNA Healthcare also developed the unique Absence Management discipline.
Exeter Friendly Society has a history of providing private healthcare since 1927 and built a reputation for providing excellent customer care. It is not an insurance company, it a friendly society, so any profits are reinvested to improve the service and benefits for their members
Their Private Health Insurance plans are priced and underwritten specifically to their clients, being more favourable for those aged 50 and over. Age-fixed plans which offer you the opportunity to fix your age at the age you join with only medical inflation increases being experienced over time. Unlike other insurers, many of Exeter’s private healthcare plans do not have the age related premium increases combined with the medical inflation, limiting your liability to excessive premium increases as you age.
First Assist is the new generation health and wellbeing provider. Its central focus is on preventative and risk managed solutions in the private healthcare, wellbeing, business protection and advice markets. Customer service is at the very heart of First Assist, with a unique range of responsive, innovative and value for money products provided for Corporates, SME’s, Banks, Insurers and Affinity Organisations. A leading provider of private healthcare solutions, First Assist will shortly become a part of the market leading Standard Life Healthcare group.
Freedom Healthnet was established in 2003 and their health insurance plans are underwritten by Groupama Insurance Company Limited, part of Groupama Insurances. Groupama Insurances is the world’s third largest property and casualty mutual and one of the strongest financial groups in Europe, in addition to being the number one health insurance company in France. The range of Freedom medical insurance plans enables you to choose any hospital in the UK or worldwide. Freedom offers cash benefits to cover the cost of all procedures and treatments and benefits are paid once your private healthcare claim has been approved, directly to your bank account before your treatment has been taken.
General & Medical was established in 1989, initially providing Finance and Insurance services to the professions within the UK. General & Medical offers the option to fix the cost your private medical insurance premiums for 3 years; and offers a range of low cost UK medical insurance plans along with expatriate healthcare protection.
Global Health International Healthcare is designed exclusively for expatriates. Global Health from William Russell offers you three levels of comprehensive and affordable medical insurance cover for medical treatment and emergency evacuation costs.
The Global Health plans are underwritten by Hauteville Insurance Company Limited, a wholly owned subsidiary of AGF, one of Europes largest insurance companies and part of the Allianz Insurance Group one of the Worlds leading insurers. A recent survey undertaken by an independent international health insurance broker ranked William Russell first in the world league table of health insurance providers for the third year running.
Goodhealth provides international medical insurance for individuals, families and groups. An international health insurance provider since 1980, they have offices in six countries and can offer a range of medical insurance options depending on budget, location and specific health needs. Their regional offices in the UK, continental Europe, Asia and the Middle East ensure that all claims get dealt with quickly and efficiently and that Goodhealth expat medical insurance experts are always available to answer your questions and help you cope with language issues and finding appropriate local healthcare.
Because Goodhealth already provide expat and international medical insurance in over 100 countries, they have an in-depth understanding of how to tailor a private medical policy to meet the specific needs of the local environment. So if you have concerns about specific diseases, health conditions or other threats to your personal safety they can arrange a policy to suit. Goodhealth understand that different people have different needs and as a result they offer a wide range of choice in putting together the perfect expat medical insurance policy.
Go Travel Insurance launched its online travel insurance business in 2000. Its aim is to offer affordable travel insurance which provides all the necessary benefits to protect you and your family while on holiday or travelling on business. They provide a 24-hour medical emergency hotline for you to call, wherever you may be in the world, should you fall ill while on holiday or need medical treatment.
Using the Go Travel website, you can apply for insurance based on the type of holiday, whether you are looking for backpacking insurance, winter sports insurance or cruise insurance. You can also apply for special group trip insurance or business travel insurance. Where Go Travel cannot give you an online quote because you need a customised policy, you can phone the friendly call centre for assistance and advice.
NestEgg is so impressed with Go Travel Insurance that we set up a direct partnership for travel insurance with them – we don’t think you need to shop anywhere else because they can offer you a great deal and great customer service.
Groupama Healthcare is a specialist division of Groupama Insurances, one of the UK’s leading general insurers and a part of European financial services giant Groupama, an international insurance business that generates annual revenues of £7bn. Groupama is the number one individual medical insurance company in France.
At Groupama Healthcare, they aim to offer a real alternative to other ‘run of the mill’ health insurance companies. They aim to make a difference. Their vision is of a business that is highly focussed and disciplined, and one that is the preferred and respected provider of health insurance and protection solutions for specialist intermediaries like NestEgg Insurance Services and their clients.
Healthsure is a not-for-profit insurance company offering healthcare cash plans to both individuals and groups. With over 130 years of experience offering private health insurance, they insure nearly half a million people. The Healthsure plans serve as a great complement to standard health insurance, acting as a preventative measure or covering treatments not covered by many plans such as regular dental check-ups, the cost of new glasses or sessions with a chiropodist.
The Healthsure healthcare cash plans provide cash payments to reimburse you and your loved ones for routine checkups and treatment up to a certain yearly amount which depends on your level of cover. For example, a family paying £32.95 per month would qualify for £260 of specialist consultations per year per person.
Healthsure also provides healthcare cash plans to businesses which can help reduce absenteeism and improve employee satisfaction. When employees feel that their needs are being looked after they will work harder. If you can get them access to regular medical treatments including, for example, a stress management counselling service, you will lose fewer days to sickness and your employee retention rates will also improve.
Established in 1998, Interglobal have consistently delivered specialised health insurance solutions for expatriates, companies, international schools and business users across the world. Interglobal is an international health insurance provider, plan administrator and claims handler operating worldwide through six localised regional offices and an extensive network of independent intermediaries like Preferred Medical Ltd. They offer a range of international medical insurance products providing extensive protection for their policyholders in over 180 countries.
Medisure work with corporate clients and their advisers in managing bespoke healthcare programmes. As they are not an insurer, they offer total flexibility in benefit design, funding options, administration protocols and support services. Many of their clients self-fund their medical programmes and Medisure are the most experienced provider of medical benefit trusts.
Their portfolio of clients` funds consistently comes within 2% of estimated claims costs. This helps their clients budget accurately. In addition, Medisure’s overall approach means that on average, their clients` claims costs are 25% below the industry average.
Morgan Price International Healthcare has been providing international health insurance to expatriates living and working abroad since 1999. They offer a choice of health-related insurance products to cover any circumstance which may lead to a policy holder needing medical treatment including private expat medical insurance, travel insurance and accident insurance. With individual, family and corporate policies available, Morgan Price have an insurance product to suit most international health insurance requirements.
Morgan Price understands that expatriates living in different parts of the world require different types of cover so have broken down their policies to apply to specific geographic regions. They offer a 24-hour multi-lingual helpline and can arrange to pay for any necessary healthcare directly to the provider so you don’t have to be out of pocket for medical treatment. If you have an emergency situation and you do have to pay yourself, they’re happy to reimburse you directly to your bank account. They offer dental and maternity cover and once you’ve had a policy for 2 years, they will also pay for routine medical checks so you can stay healthy.
Morgan Price health insurance products are underwritten by Allianz Worldwide Care Ltd – one of the leading global insurers.
PatientChoice Limited offers healthcare insurance plans designed to complement NHS services where necessary to avoid long wait times. The PatientChoice Access healthcare scheme provides you with a set amount money for specialist consultations, medical procedures and hospital stays. Where you use an NHS service, you get a cash sum to help improve any financial hardship caused by illness.
Where you cannot use an NHS service, PatientChoice will pay up to a set amount and can even help you find specialists and negotiate costs. Over 3,000 operations and medical procedures are covered - including those with a long NHS waiting time offering you the freedom to choose where and when you receive treatment.
PatientChoice provides healthcare insurance cover for both individuals and corporate clients. The special corporate plan ‘ PatientChoice Priority’ has been designed for businesses with over 100 staff to specifically help employees fund and receive quick treatment for illnesses which have long NHS waiting times that could potentially lead to long periods of employee absences.
Established in 1994, PHC’s products are underwritten by Great Lakes Reinsurance (UK) plc and reinsured by Munich Re. Munich Re is the world`s largest reinsurance group and Great Lakes Reinsurance (UK) plc is a wholly owned subsidiary of Munich Re. PHC specialises in medical insurance and their products are only marketed through high-quality specialist intermediaries, IFA`s and Insurance Brokers like Preferred Medical Ltd. PHC do not sell their medical insurance direct to either individuals or companies.
P J Hayman & Company has provided specialist travel insurance since 1990. They offer travel insurance schemes for specific types of holidays such as adventure holidays, cruises and groups as well as insurance for specific types of travellers including business travellers and older travellers. They also offer long-term travel insurance for backpackers and healthcare insurance for expats.
P J Hayman provides insurance for travel agents and tour operators as well as employee travel insurance for businesses. They can insure tour bus drivers and companies for breakdown and passenger assistance as well.
Part of Lloyds Brokers, Crispin Speers & Partners, PJ Hayman & Company provides travel insurance for over 400,000 people. Their goal is to provide the highest levels of service across their insurance offerings and to offer exemplary claims management to both individuals and corporate clients.
PruHealth is a joint venture between Prudential UK and the leading South African private healthcare provider, Discovery Holdings. Discovery was founded in 1992 as a specialist health insurance company in South Africa and is now one of the market leaders in private healthcare and life insurance.
Pru Health was established in the UK in October 2004 and offers a range of innovative medical insurance plans for individuals and corporate groups. Their medical insurance plans reward clients for living a healthy lifestyle with the opportunity to gain healthy living ‘Vitality’ points to earn a significant reduction on future premiums. These benefits combined with attractive discounts of nationally recognised gymnasiums and health centres, by adding highly valued benefits and value for money; Pru Health is able to improve the health of its members and manage its claims costs and remain competitive on price.
Established in 1996, Secure Health is a specialist intermediary who believes in providing customers with access to bespoke, value for money private medical insurance plans. By working in partnership with a major British insurance company such as AXA PPP Healthcare, they can offer you a wide choice of personal and corporate Private Medical Insurance plans.
Standard Life has been looking after its customers for over 180 years and Standard Life Healthcare has been established as part of the group of businesses since 1987. Offering Private medical insurance and health cash plans to suit every budget; Standard Life also offer essential back-up insurance for people who want to self-pay or contribute larger amounts towards claims to benefit from even lower premiums.
Standard Life is at the forefront of innovation in private medical insurance and has been recognised by winning: Health Insurance Company of the Year, Best Individual Private Medical Insurance Provider and Best Customer Service at the Health Insurance Awards for the last four years running.
Universal Provident provides flexible, health-related insurance policies for individuals, families and businesses and has six different products to choose from. So, people who are looking for peace-of-mind regarding healthcare and financial stability in the event of health problems have access to a range of insurance schemes which can be tailored to meet individual budgets.
For an affordable private healthcare insurance option, ‘Choices’ allows the policy holder to choose a basic module and then add on a number of optional extras depending on budget and specific healthcare needs. It allows the policy holder to choose to receive immediate private healthcare treatment or, for a reduced premium, to apply to receive private treatment if the NHS cannot offer the necessary treatment for free within 90 days.
Universal Provident offers private dental insurance for both emergency and non-emergency treatments, multi-trip travel insurance, income protection insurance and mortgage protection insurance.
Universal Provident believes that health related insurance should be flexible and affordable in order to provide the personalised service that people need.
Award wining Westfield Health is one of the most successful and secure health insurance companies in the UK with more than 85 years experience and over a third of a million policyholders enjoying cover. Westfield specialises in the provision of innovative corporate plans that can serve as an effective absence and risk management tool for employers, whilst providing a valuable employee benefit. Westfield is a not-for-profit organisation and every year makes substantial charitable contributions to the NHS and medically related charities.
WPA is a Provident Association, so any profits are reinvested to improve the service and benefits for their members. Established in 1901 with a long history in providing excellent customer care, WPA are the pioneers of the Shared Responsibility concept.
Winners of the 2005 British Insurance Awards Best Insurer for Customer Care; WPA offer a wide range of flexible insurance plans for individuals, the self-employed and companies; including high excess plans, routine medical expenses plans and dental plans.