Personal Private Medical Insurance

Cransford makes private health insurance simple and accessible. We help individuals, couples, and families secure tailored medical cover that avoids NHS waiting times, ensures quick access to private hospitals, and provides peace of mind for you and your dependents. With options including digital GP services, dental and optical benefits, and specialist treatments, we negotiate directly with insurers on your behalf to deliver the most competitive and comprehensive protection.

Fast, flexible cover for you and your family

Personal Health Insurance That Works for You

At Cransford, we specialise in personal and family private health insurance solutions that give you choice, control, and confidence in your healthcare. Whether you’re looking to protect just yourself, your partner, or your whole family, we negotiate directly with leading UK insurers to secure the most competitive premiums, widest benefits, and flexible cover to suit your lifestyle.

From quick access to private hospitals to peace of mind knowing your children are covered, our goal is simple: to maximise the value of your health insurance and make sure you get the protection you need when it matters most.

Why Choose Personal or Family Health Insurance?

Faster Access to Treatment
Skip NHS waiting lists and get rapid access to private consultations, diagnostics, and treatments when you need them most.

Peace of Mind for Families
Protect your loved ones with cover designed for individuals, couples, and families. Dependents can be included for complete reassurance.

Digital GP Appointments
24/7 access to a doctor via phone or video, giving you healthcare on demand without the long wait.

Tailored Benefits
Add extras like dental cover, optical allowances, mental health support, and maternity benefits to fit your needs.

Choice of Hospitals
Access to a wide network of private hospitals and consultants, so you can choose where and when you’re treated.

Our Approach

We don’t just compare quotes — we negotiate directly with insurers on your behalf. That means:

Dedicated one-to-one support from your adviser
Annual reviews to manage costs and keep benefits competitive
Switch service with all paperwork handled for you
Clear, transparent advice without jargon or pressure
Policies tailored to you, whether you’re self-employed, retired, or covering your whole family

Existing Cover & Switch Service

Already insured? Our specialists will review your policy to ensure you’re not paying over the odds and that your benefits still suit your needs. We ask the key questions:

Could you reduce your premium without losing cover?
Are there better benefits available within the same budget?
Are ongoing claims or treatments unfairly inflating your renewal price?

Where switching makes sense, we’ll negotiate directly with insurers, handle all the admin, and ensure your essential benefits are protected.

Why Clients Choose Cransford

Independent broker with access to the full UK market
No-obligation, personalised quotes for individuals and families
Flexible options for dental, optical, and specialist care
Digital GP services included as standard in many policies
Family cover tailored to protect dependents at every stage of life
Long-term support and annual reviews, not just a one-off sale

Protect your health and your family’s future with Personal Private Medical Insurance that works for you. Speak to one of our expert advisers today and discover the best options for your lifestyle and budget.

Business Private Medical Insurance

Personal Private Health Insurance

International Health Cover

Cransford Care+

Frequently Asked Questions

How much does personal private health insurance cost?

The cost depends on factors like age, medical history, level of cover, and whether dependents are included. At Cransford, we negotiate directly with insurers on your behalf to secure the most competitive premiums for the benefits you actually need.

What does private medical insurance usually cover?

Most policies cover consultations, diagnostic tests, hospital stays, and surgery for acute conditions that develop after your plan begins. You can also add benefits like mental health support, dental and optical cover, maternity care, and digital GP access.

Can I include my partner or children on my plan?

Yes. Family private health insurance policies can cover your spouse or partner and any dependents. This provides peace of mind that your whole household is protected with faster access to private treatment when needed.

What if I already have health insurance?

We offer a no-hassle switch service. Our advisers will review your existing plan, check if you’re paying too much, and negotiate with insurers to reduce your premium or improve your benefits — all with minimal admin for you.

Are pre-existing conditions covered?

This depends on the insurer and the underwriting option you choose. Some policies may exclude pre-existing conditions, while others may offer cover after a qualifying period. We’ll explain your options clearly and help you secure the best terms.

Your Health. Your Choice.

With Cransford, you get independent advice and tailored private health insurance for you and your family. We negotiate directly with UK insurers to deliver better benefits, lower premiums, and peace of mind for the future.