Private Medical Insurance
- We offer a complimentary introduction meeting to understand your existing plans and your financial objectives so that we can offer you the right advice and service that meets your objectives and your preferences.
- Our personalised evidence-based recommendations that build on your current plans are achieved using robust research. We investigate different financial scenarios so that you can be confident in achieving your objectives.
- When we tell you about a fee, you will always receive a clear explanation of: The total fee, the advice service it relates to, how it's been calculated, when you need to pay it and your payment options.
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Michelle is an award-winning chartered financial planner who holds the designation 'Fellow of the PFS' demonstrating her commitment to maintaining the highest standards of knowledge, ethical conduct, and professional practice. Michelle is also an accredited member of the Society of Later Life advisers. Michelle offers a fully personalised service tailored to each clients individual needs and goals, using an approach that was recognised and honoured by the Women in Financial Advice awards in 2021. Clients working with Michelle can expect a high level of professionalism, integrity and a lasting relationship built on trust and open communication
Michelle Boakes
Chartered Financial Planner
Body
This is insurance that pays the hospital or doctor for your treatment. It can include treatment in a private ward or getting seen earlier in an NHS ward. Some plans allow you to claim if you are not able to be seen by the NHS within a set period. Other plans may charge a little more and don’t have any relevance to NHS waiting times.
When applying for this type of insurance you will need to complete the required underwriting process. The underwriting process could see the insurer put exclusions on health conditions you’re already suffering from and sometimes those you’ve suffered from in the past.
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When we tell you about a fee, you will always receive a clear explanation of: The total fee, the advice service it relates to, how it's been calculated, when you need to pay it and your payment options.
Which underwriting approach is best for you, Mortatorium underwriting the most common type or Full Medical Underwriting meaning you disclosing your entire medical history to the insurer from the start, is a decision best discussed with our advisors to help you make the right decision depending on your personal circumstances.
Premiums are usually reviewable annually.
Warning Text
THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
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FAQs
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What do you charge for a financial plan?
Our price varies depending on the complexity of your situation. This is something we can discuss in detail at our initial meeting.
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What do I need to bring to an initial meeting?
Mortgages Three months’ payslips, three months’ bank statements, proof of ID and address, proof of deposit.
Financial planning Details of policies held (pensions, investments, insurance) latest payslips, latest bank statement. -
How can I book an initial meeting?
You email us at office@verve-financial.com, call us on 0330 320 5048 or fill in the contact form.
