1. Lets have a chat
We’ll discuss your healthcare priorities and answer your questions.
Private Medical Insurance
Fast access when you need it most.
Private medical insurance can give you quicker access to diagnosis, treatment and specialist care, helping you get back to doing the things you enjoy sooner.
Is this the right place for me?
Good health is something we often take for granted—until we need medical care.
Private medical insurance can give you greater choice, quicker access to specialists and peace of mind that, if you do need treatment, the right help is on hand.
This page is for you if…
- You’d like faster access to treatment.
- You’re concerned about NHS waiting times.
- You want greater choice over where and when you’re treated.
- You’re self-employed and can’t afford to be away from work for long.
- You’re looking for private cover for yourself, your family or your employees.
How we help
What does the process look like?
2. Understand your needs
We’ll find out what level of cover is right for you.
3. Compare your options
We’ll compare policies from leading insurers.
4. Arrange your cover
We’ll take care of the paperwork and get everything set up.
5. Enjoy peace of mind
You’ll have the confidence of knowing private healthcare is there if you need it.
Why Choose Erskine Financial?
Clear advice, real conversations and support that stays with you from first question to final decision.
- 01Local People.Based in Edinburgh, helping buyers all across Scotland (and beyond!).
- 02No Jargon.We explain things properly, not in mortgage adviser language.
- 03Whole of Market Advice.Access to hundreds of mortgage products from a wide range of lenders.
- 04Start-to-Finish Support.From your first viewing until you collect the keys, we’re with you all the way.
- 05Hundreds of 5-Star Reviews.Real clients. Real experiences. Real results.
Common Questions
Find answers to common questions.
What does Private Medical Insurance cover?
Cover varies by policy, but it may include private consultations, diagnostic tests, surgery and hospital treatment for eligible acute conditions. Options can include outpatient care, therapies and mental health support. Pre-existing and chronic conditions are often restricted.
Does it replace the NHS?
No. Private Medical Insurance works alongside the NHS and gives you another route to eligible treatment. Emergency care, maternity services, long-term chronic care and some specialist treatments may continue to be provided by the NHS.
Can I cover my family?
Yes. Many insurers offer policies for partners and children as well as individual cover. We’ll compare the benefits and cost of a family policy with separate cover and explain any age limits that apply.
Can I get cover through my business?
Yes. Businesses can arrange Private Medical Insurance for directors and employees, with options to include family members. The tax treatment depends on how it is provided, so your accountant should advise on the implications.
How much does Private Medical Insurance cost?
The cost depends on age, location, medical history, benefit level, excess and the hospitals or treatment options selected. We’ll compare policies and show how different choices affect both the premium and the cover.
Can I switch providers?
Yes, but changing insurer can affect how existing or previous medical conditions are treated. We’ll compare the terms carefully and make sure you understand any differences before replacing your current policy.
Ready to explore your options?
Whether you’re looking for cover for yourself, your family or your business, we’ll help you understand your options and find private medical insurance that’s right for you. Arrange your free chat today.
