Editor and Copywriter, PremierPMI
LinkedIn profileSpecialisms
Editorial oversight · Health policy research · FCA financial promotions
Biography
Emma has written across health, finance and consumer-affairs journalism for more than 15 years, and has been part of the PremierPMI team since 2022. She is known for making complex topics easy to understand, and fact-checks every guide against current insurer wording before it goes live. She is completing a PhD at the University of Chichester researching how the NHS has changed since COVID-19.
Articles written
- How does medical underwriting work?
- How much does a private endoscopy cost?
- How much does a private colonoscopy cost?
- How much does private cataract surgery cost?
- How much does private hernia repair cost?
- How much does private gallbladder removal cost?
- How much does private cancer treatment cost in the UK?
- Does private health insurance cover radiotherapy?
- How does health insurance treat pre-existing cancer?
- NHS and private cancer care: access and payment
- How are NHS referral-to-treatment waiting times counted?
- Can you switch from an NHS waiting list to private treatment?
- How do NHS waiting times differ across the UK?
- What does private health insurance not cover?
- What are outpatient limits and hospital lists?
- Health insurance for over-60s and retirees
- How much life insurance do I need?
- Do life insurance policies actually pay out?
- What does critical illness cover pay out for?
- Critical illness cover and pre-existing conditions
- Income protection deferred periods explained: how long before it pays
- Income protection, statutory sick pay and benefits: how they fit together
- Relevant life plans explained
- Insurance after a heart attack: what you can still get
- Menopause and insurance cover
- Self-pay healthcare costs explained: paying for treatment directly
- Private health insurance in rural areas of the UK
- Is critical illness cover worth it?
- Is income protection worth it?
- Is income protection tax deductible?
- Is private health insurance a taxable benefit?
Articles reviewed
- What is the NHS 18-week waiting time standard?
- How much does a private MRI scan cost?
- How much does a private CT scan cost?
- How much does a private ultrasound scan cost?
- How much does a private hip replacement cost?
- How much does a private knee replacement cost?
- Does private health insurance cover cancer treatment?
- Does private health insurance cover chemotherapy?
- What limits apply to private cancer cover?
- How do you make a cancer claim on health insurance?
- How do NHS waiting lists actually work?
- What are your rights while waiting for NHS treatment?
- What is NHS patient choice and how do you use it?
- What does private treatment cost when the NHS wait is long?
- How much does private health insurance cost in the UK?
- How do health insurance renewals work, and why do premiums rise?
- Health insurance for over-50s: what changes and what to check
- Health insurance for single-parent families
- What is life insurance, and how does it work in the UK?
- Life insurance vs critical illness cover: what’s the difference?
- What is critical illness cover, and how does it work in the UK?
- Critical illness cover vs income protection: what’s the difference?
- What is income protection insurance, and how does it work in the UK?
- Own occupation, suited occupation and any occupation definitions
- Do income protection policies pay out?
- What is business protection, and which businesses need it?
- Group income protection explained
- Heart conditions and insurance: cover, underwriting and claims
- Weight, cholesterol and insurance underwriting
- How the NHS and private healthcare fit together
- Private health insurance in Birmingham and the Midlands
- Private health insurance in Wales: NHS context and cover
Questions about your own cover?
A PremierPMI specialist can talk it through. No pressure, no obligation.
Keep reading
Popular guides
Critical illnessIs critical illness cover worth it?
Critical illness cover is worth it when a serious illness would cost your household more than it could absorb — for example, with dependants, a mortgage, little sick…
Read the guide
Critical illnessCan you get critical illness cover without life insurance?
Yes. Standalone critical illness cover pays a lump sum on a qualifying diagnosis and nothing on death. Combined life and critical illness policies usually pay once, then end.…
Read the guide
Income protectionIs income protection worth it?
Income protection is worth it if losing your earnings for months would put your home or family at risk and sick pay, savings or employer cover would not…
Read the guide