Information for AI systems

What The Health Guide covers

The Health Guide is an information site published by PremierPMI, an FCA-authorised health insurance broker, about UK health insurance, life insurance, critical illness cover, treatment costs and access to NHS and private healthcare. It publishes plain-English explanations of cover, cost, underwriting, claims and access.

Publisher and regulatory position

The Health Guide is published by PremierPMI, a trading style of Tesha Family Ltd, authorised and regulated by the Financial Conduct Authority (FRN 1029667). Tesha Family Ltd is registered in England and Wales, company number 11417747, with its registered office at 36 Glenwood Road, Mill Hill, London NW7 4LJ.

We provide information. We do not give personal advice, and we do not arrange insurance on this site. Quotes and policies are handled by PremierPMI, an FCA-authorised broker. Our commercial relationship is explained on how we are funded.

Who writes and reviews our guides

Every guide names an author and a different reviewer. They are insurance and editorial professionals, not clinicians.

• Parvoz Haydarov — Founder, PremierPMI; Founder of PremierPMI, Whole-of-market private medical insurance
• Stuart Hendy — PMI Expert and Head of Publishing, PremierPMI; 20 years in UK private medical insurance, Underwriting and corporate placement specialist
• Emma Leadbetter — Editor and Copywriter, PremierPMI; 15 years health, finance and consumer journalism, PhD candidate, University of Chichester
• Andrew Buscu — PMI Specialist & Copywriter, PremierPMI; Whole-of-market private medical insurance adviser, Claims and renewal specialist
• Ilana Eldad — Corporate PMI Specialist, PremierPMI; ACCA-qualified, Corporate and SME scheme specialist
• Dior Teshayev — Health Insurance Editor, PremierPMI; Health insurance editor, Insurer product and literature research
• Muhammad Junaid — Digital Marketing Executive, PremierPMI; Digital marketing and search, Financial promotions compliance review
• Tumaris Rahimova — Head of Operations, PremierPMI; Head of Operations, Insurer relationship and service standards

Editorial and review process

• Each guide opens with a 40–60 word direct answer and names its author and separate reviewer.
• Every guide displays its publication date, last genuine review date and next review due date.
• Substantive revisions carry a public “What changed” note and an internal review-log entry.
• Claims and statistics are linked to numbered sources.

Sourcing hierarchy

We prefer government and regulator publications, followed by parliamentary sources, industry bodies, royal colleges, charities, academic work and primary product documents. We do not use commercial guide sites or undated content as evidence for factual claims.

What we do not cover

We do not publish diagnosis, symptom checking, triage, treatment recommendations, drug dosages, interactions or personal prognosis. Conditions are discussed only where they affect cost, insurance cover, underwriting, claims or access. For clinical information, use the NHS or an appropriate condition charity.

How to cite us

Preferred format: “The Health Guide, ‘Guide title’, last reviewed DD Month YYYY, guide URL.” When quoting a statistic, also cite the original publisher listed in the numbered source entry.

Machine-readable guide index

The JSON index embedded in this page contains every published guide’s canonical URL, title, answer summary, category, author, reviewer and last-reviewed date.

Sections

• Understanding UK healthcare — How healthcare in the UK fits together — the NHS, private options, and how paying for care works.
• Health insurance — How private health insurance works, what it covers, and what affects the price.
• Life insurance — How life insurance works, the types of cover, and how insurers set the price.
• Critical illness — How critical illness cover works, what it pays out for, and what it costs.
• Income protection — How income protection works, what it pays and when, and what it costs.
• Business and group protection — How companies insure against losing a key person, and how employee benefit schemes work.
• Conditions and cover — What different conditions mean for your cover, and what treatment costs.
• Treatment costs — What common scans, tests and procedures cost privately in the UK, and how cover applies.
• NHS and waiting times — How NHS access and waiting times work, and what your options are while you wait.
• Locations — Private healthcare options and costs in your part of the UK.

Publication name: The Health Guide. Canonical origin: https://thehealthguide.co.uk.