Recognised by every major UK insurer.

The major UK insurers above are the ones we have direct provider agreements with, but we can usually still process treatment under most other UK or international PMI policies. The simplest approach is to call your insurer and ask whether they cover treatment at “My Health & Wellbeing Clinics Ltd, 97-99 Whitechapel Road, E1 1DT.” If yes, you can usually be reimbursed even if we don’t settle directly — we’ll provide an itemised invoice for your claim.

It depends on your policy. Bupa and AXA Health usually require a GP referral letter before they will authorise a specialist appointment. Vitality and Aviva often allow direct booking with specialists, but may require referral for certain procedures. Cigna international policies usually require pre-authorisation but not always a referral.

If you don’t have a referral, you can book a private GP appointment with us first — either same-day or same-week — and we’ll provide the referral if appropriate. Some insurers do not reimburse the GP appointment itself but will reimburse the subsequent specialist appointment.

An excess is the amount you pay each policy year before your insurer starts covering claims. It’s usually £100–£500 depending on your policy. We’ll usually settle the full bill with your insurer, and the excess (if not already paid) will be invoiced to you separately by the insurer — or we can take it at the appointment if your insurer asks us to. Your policy documents specify how this is handled.

Some treatments are excluded from cover by policy — for example, certain cosmetic, lifestyle, or pre-existing condition treatments. If your insurer declines pre-authorisation, you have two options: pay self-pay rates (we publish all our fees transparently on our price list), or ask us to provide a written second-opinion letter to support an appeal to your insurer. We never proceed with treatment without confirming who is responsible for payment.

Yes — many employer schemes (including Cash Plans like Simplyhealth and HSF) reimburse you after the appointment. We’ll provide an itemised invoice you can submit to your employer’s benefits provider. For Corporate PMI schemes (e.g. Bupa for Business, AXA Corporate, Vitality at Work), the process is the same as personal PMI — we settle directly with the insurer in most cases.

All our self-pay fees are published on our price list, with no hidden costs. Initial GP appointments are typically 30 minutes; specialist consultations are 30–45 minutes. Any tests, scans, or procedures are quoted before they are started, so you always know what you’re paying for.