Elective Health
Elective Health is our health insurance partner: an independent broker we know and trust, arranging health and protection cover for businesses, their directors and their staff.
We look after the people side of a business. Health cover sits alongside it, affecting sickness absence, what a business can offer the people it wants to attract and keep, and what happens when somebody is off work long-term. Elective Health is the partner our clients go to for that cover, whether for themselves, for their family, or as a benefit for their team.
Who Elective Health are
Elective Health is an independent health and protection insurance broker based in Ferndown, Dorset, authorised and regulated by the Financial Conduct Authority. Kingsley and Louis founded the business after more than 12 years each in the industry, including time at AXA Health and at one of the UK's leading brokerages.
Because they advise across the whole market rather than acting for a single insurer, a recommendation follows what the client actually needs. Clients deal directly with Kingsley or Louis rather than a call centre, and that carries on after the policy starts, through renewals and any changes to a scheme.
What they arrange
For businesses
- Business health insurance and employee benefit schemes
- Cover for company directors, with advice on how it is taxed
- Cover for contractors and the self-employed
- Business protection, such as key person and shareholder cover
For individuals and families
- Private medical insurance
- Life insurance, income protection and critical illness cover
- International private medical insurance for people living or working abroad
In addition, when a business takes out a scheme, Kingsley or Louis will come in person to launch it with the team and answer their questions.
They also review cover you already have, at no charge, and say so where a policy costs more than it needs to or no longer fits. Where a switch makes sense, they check how it affects the medical history built up under the existing policy.
Where our advice stops. Bespoke HR does not give insurance advice. Any recommendation on a policy comes from Elective Health, as a regulated broker.
Talking to Elective Health
When you get in touch, mention that Bespoke HR sent you and they will know the context. If you are a client and would rather we made the introduction, ask your assigned HR consultant.
Common questions
Who are Elective Health?
An independent insurance broker specialising in private health insurance and protection cover for individuals, families and businesses. Its founders, Kingsley and Louis, each have more than 12 years in the industry. The business is authorised and regulated by the Financial Conduct Authority and is based in Ferndown, Dorset.
What does an independent broker do that going to an insurer directly does not?
An insurer can only sell you its own policies. An independent broker compares what is available across the market and recommends the policy that suits your circumstances, which may or may not be the one you would have found on your own. The broker also deals with the insurer on your behalf at renewal and when you claim.
Can Elective Health arrange cover for our employees?
Yes. They arrange business health insurance and employee benefit schemes for businesses of all sizes, including small teams, as well as cover for directors and contractors, where the tax treatment differs from a standard employee scheme. Health cover is one part of what a business offers its staff, and our free employee wellbeing resources cover the rest.
Can they review the health insurance we already have?
Yes, and the review costs nothing. They will look at what you currently pay, what the policy covers, and whether the same or better cover is available for less. If your existing policy is already the right one, they will tell you that.
Will we lose the medical history on our current policy if we switch?
Not necessarily. Insurers can transfer the underwriting terms from an existing policy when cover moves, so conditions already covered stay covered. Whether that is possible depends on the policy and the insurer, which is one of the things Elective Health checks before recommending a switch.
Do they cover employees based overseas?
Yes. They arrange international private medical insurance for people living or working abroad, and group international cover for businesses with employees stationed or travelling overseas.
Is Elective Health part of Bespoke HR?
No. Elective Health is a separate, independent business, with no common ownership between the two. We work with them because our clients regularly need what they do, and we know the standard of their advice.
How do we get started?
Contact Elective Health directly on 01202 088705 or at info@electivehealth.co.uk. If you are a Bespoke HR client, you can ask your assigned HR consultant to make the introduction instead.
Need help with an HR issue?
Talk it through with one of our HR consultants. If you are new to Bespoke HR, the first 30-minute call is free.