Whole of Market Medical Insurance Specialists

Passionately delivering exceptional healthcare and wellbeing advice since 1998, treating clients like family!

01962 620055

07831 259768

daniel@surreycirclehealth.co.uk

Get in Touch for Quote


Association of Medical Insurers and Intermediaries


Member of the Association of Medical Insurers and Intermediaries

You can trust us to Maximise
your Healthcare Cover whilst
Minimising Costs

Daniel Donoghue
Brokerage Director
C.I.I. - IF7 (Healthcare Insurance Products)

Biography


Testimonials

  •  Mr. Marcus Rochlin
    I have worked with Daniel Donoghue for 8 years now and have always been extremely impressed with his manner, professionalism, and getting me the desired outcome. This year specifically, despite moving from one of the most favourable postcodes to one of the most adverse, Daniel managed to retain my current provider at a highly competitive rate, coming in much more favourably than the competition. He even managed to secure a 10% reduction on the initial premium. I highly recommend Daniel for his professional approach and insightful advice, and Surrey Circle Health for their command of the market. Marcus - a loyal and happy customer Thanks again Daniel. Kind regards, Marcus

    Mr. Marcus Rochlin

    Recruitment Consultant - Central London.

    Email of 20th September 2024.

  • Mrs. Lucinda Watts
    Daniel has been very helpful in finding the best health insurance deal for me. His advice and knowledge has been invaluable and he works hard to search the whole market for a product that is right for me. Highly recommended. Many thanks Lucinda  

    Mrs. Lucinda Watts

    MD of Lettings & Property Management Company - Maida Vale, West London.

    Email of 30th July 2024.

  • Mr. Matthew Ivey
    I can highly recommend Daniel and the service he provides. He managed to increase our hospital list and get rid of the NHS 6 week wait for us for a very similar price, and made the whole process of changing healthcare supplier as easy as possible. Many thanks Matthew  

    Mr. Matthew Ivey

    Chartered Certified Accountants Practise Owner - Harpenden, Herts

    Email of 3rd April 2024

  • Mr. Roger Williams
    Daniel is a wonder worker. Our old insurer increased our premium by 20% for no apparent reason. We could not afford it so asked daniel for help We were difficult clients since both of us are over 80 and many insurers wont touch even the over 70s But Daniel got us a deal with another excellent insurer which was more and better cover for much less money We had spent 29 years with our old insurer.We had never used a broker before Now we will do nothing without going through Daniel

    Mr. Roger Williams

    Retired Psychology Teacher - Kew, Surrey

    Email of 18th March 2024

  • Mr. Christopher Conroy
    We are both really happy and impressed with Daniel’s professionalism and advice. He really helped us secure the best private medical arrangements for our family. We would definitely recommend his services 😊 Chris & Alina

    Mr. Christopher Conroy

    Building Company MD - Hartlepool

    Email of 11th March 2024

  • Mrs. Fiona Badderman
    We had been with the same Healthcare provider for 9 years with several premium increases over that time, the latest being around 33%. As a small business with all our costs increasing, we decided it was time to see what other options were out there. Knowing little about the market and having concerns about continuance of cover we decided to find a broker. Daniel was really helpful in answering my many queries and provided new quotes with a comparable benefit range within a couple of days. He managed to reduce our premium by 37% saving us just over £200 a month and around £2400 annually. In addition he decreased our excess from £500 to £200. We really wish we had found Daniel years ago and wouldn’t hesitate to recommend him.  

    Mrs. Fiona Badderman

    Director of Retail Printers - Windsor, Berkshire.

    Email of 9th October 2023.

Contact


    Sample Insurers

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    Peace of Mind Info

    Understanding Your Needs

    Your needs and requirements are at the heart of all our advice, with tailored quotes and policies in straight forward, easy to understand, jargon free language, coupled with prompt personal attention always.

    Whole of Market

    Age, budget as well as previous health conditions will be some of the pivotal factors in determining which insurers we would recommend as most suitable for your needs from the U.K. Private Medical Insurance marketplace .

    No Cost or Obligation

    Surrey Circle Health is paid by the insurance company and we therefore don’t charge you a penny! If you decide to take out a policy or not – there is absolutely no charge or indeed obligation.

    Experienced

    Having been advising individuals and companies across the Home Counties and London area for over two decades you can put your full trust in our experienced expert advice.

    Frequently Asked Questions

    1Q - Why should I have private medical insurance?
    A - To help alleviate pressure upon the NHS, thereby giving access to consultation and subsequent hospitalisation without the all too frequent many months of waiting to be referred by the GP to a consultant, whilst helping to alleviate financial constraints which can so easily lead to misdiagnosis, coupled with a reduction in the all too familiar reports of NHS hospital waiting list times.
    2Q - In considering taking out Private Healthcare, having had previous health issues, will these be covered by the health insurer?
    A - Private Healthcare is primarily aimed at insuring against new conditions that may arise after taking out cover, however if a condition has not reoccurred in the five years prior, it can be covered from day one of taking out cover, and even if it is preexisting within the previous five years, if it can go two consecutive years without any further reoccurrence whilst on cover, it can subsequently still be covered at that point.
    3Q - Being currently insured, I appreciate that I may be able to increase cover whilst reducing costs, however I’m reluctant to consider moving insurers as I’m concerned that I’ll stop being covered for health conditions that I’ve claimed for and would currently be continued to be covered for - Would a new insurer continue to cover these conditions?
    A - Being keen to encourage transfer of policies, the U.K. insurer’s underwriting dept’s do indeed offer favourable ‘Switch’ terms, known as C.P.M.E., being an acronym for Continuous Personal Medical Exclusions, as long as the current insurer’s Certificate of Cover is provided, which would detail any current health exclusions that were applied prior to their inception, which can then provide the new insurer with the platform to continue to provide ongoing cover for health conditions that had actually previously been claimed for.

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