Group Private Medical & Cash Plan – Lloyd & Whyte Insurance

Why choose Lloyd & Whyte for your Private Medical Insurance (PMI)?

At Lloyd & Whyte Community Broking, we have extensive experience in the Private Medical Insurance market, helping individuals, families and organisations find the right cover at the right price. Our specialist advisers provide impartial, expert guidance tailored to your needs, ensuring you receive clear, unbiased advice and access to a wide range of insurers. From arranging your policy to supporting you with renewals, administration and claims enquiries, we take care of the details so you can focus on what matters most. Whether you’re looking for a new Private Medical Insurance quotation or would like an independent review of your existing policy, we’re here to help. We offer free, no-obligation quotations and policy reviews, expert market knowledge, and access to a panel of leading insurers rather than being tied to a single provider. We also provide annual policy and premium reviews, ongoing administrative support, and guidance with claims, ensuring you receive continued value and assistance throughout the life of your policy.

Group Private Medical Insurance

Businesses which retain and recruit talent, usually have a comprehensive healthcare package in place. Four out of five employees surveyed confirmed they would rather have better work benefits over a pay rise¹. It’s interesting to note that healthcare is one of the most important work benefits for employees². Whether you’re an SME or a large corporation, we can advise and source a policy and plan that is specifically tailored to your organisation’s requirements.

What are the advantages of offering healthcare benefits to your employees?

Providing your employees with healthcare benefits can help with the following:

Resolve. It can boost morale within the workplace, potentially increasing engagement and productivity.
Recruitment. It can be an excellent incentive for potential employees, attracting high-quality candidates throughout your recruitment processes.
Retention. Employees are more likely to stay in their role with your company if you provide competitive healthcare benefits.
Reduction. It can save stress and time. We manage the administrative and management aspects of healthcare packages and renewals.

Individual Private Medical Insurance

Millions of people are waiting for treatment from the NHS3. Brexit resulted in the loss of a lot of NHS workforce and Covid-19 placed an unprecedented strain on our healthcare service. The result is an ever-increasing backlog of patients:

Cancelled referrals and delayed procedures.
Patients on treatment waiting lists.
Refused referrals due to lack of staff.
Patients who have not seen a GP due to Covid infection fears or concern they may be a burden on the NHS.

What does Private Medical Insurance provide?

Private Medical Insurance provides you with access to high levels of healthcare, often in a shorter timeframe than the NHS. Just as importantly, comprehensive health insurance offers one of the most valuable gifts you can enjoy: peace of mind.

Private Medical Insurance can provide you with:

Quicker referrals, consultations and treatment.
Access to pharmaceutical drugs and medications which might not be available through the NHS: for example, cancer treatment.
Many insurers offer access to digital GP appointments which can provide quicker referrals and support.
Many providers give you the option to choose your surgeon.
Some providers offer direct access to physiotherapy and mental health professionals

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Why choose a specialist insurance broker?

Understanding the difference between Lloyd & Whyte and other insurance options

The Lloyd & Whyte difference

While comparison sites focus on price alone, we provide personalised service with expert advice tailored to your specific needs. We're with you every step of the way—from finding the right coverage to supporting you through claims.

Expert advisers who understand complex insurance needs
Access to multiple insurers to find the best coverage options
Personalised service with dedicated account managers
Claims advocacy when you need support most
Specialist knowledge in healthcare and high-value insurance

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Comparison between Lloyd & Whyte, comparison sites, and direct insurers
Features	Comparison Sites	Direct Insurers	Lloyd & Whyte
Competitive pricing	Yes	Yes	Yes
Independent & impartial advice	No	No	Yes
Specialist expertise & advice	No	Limited	Yes
Tailored policy recommendations	No	Limited	Yes
Personal account manager	No	No	Yes
Claims advocacy & support	No	Limited	Yes
Healthcare sector specialists	No	No	Yes

As a member of amii (The Association of Medical Insurers and Intermediaries), PMI by Lloyd & Whyte is committed to delivering trusted, professional and client-focused advice in line with the highest industry standards.

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