Claims support and advocacy

Buying the policy is the easy part. What separates brokers is what happens when a claim is questioned — and that is included for every client we place.

What we do on a live claim

• Talk you through pre-authorisation before you book anything.
• Check the consultant and hospital are covered, and fee-assured where possible.
• Challenge shortfalls with both the insurer and the consultant's practice.
• Push back on chronic-condition reclassifications with your consultant's evidence.
• Draft and run formal complaints, and escalate to the Financial Ombudsman Service where warranted.

What it costs you

Nothing. Claims advocacy is covered by the commission the insurer already pays us. We do not charge a success fee and we do not charge by the hour.

What we cannot do

• Override a genuine policy exclusion you agreed to at outset.
• Give clinical advice — that is your consultant's role.
• Guarantee an outcome from the insurer or the Ombudsman.
• Act on a policy placed elsewhere without you appointing us as broker of record.

PremierPMI is a UK private medical insurance broker specialising in whole-of-market placement across 10+ leading UK health insurers including Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter, General & Medical and National Friendly. FCA regulated (Tesha Family Ltd, FRN 1029667). Speak to a broker on 020 4525 0884, WhatsApp 020 8064 2273, or email contact@premierpmi.co.uk.