Lifepoint Healthcare Ltd

Lifepoint Healthcare Ltd Lifepoint Healthcare is an award-winning, independent health insurance broker based in London.

How Lifepoint Negotiates Better Rates with InsurersA common question we hear is, “How can a broker actually get better r...
19/02/2026

How Lifepoint Negotiates Better Rates with Insurers

A common question we hear is, “How can a broker actually get better rates than going direct?”

Here’s what happens behind the scenes at Lifepoint.

We understand the market
We work with all the major UK health insurers, day in, day out. That means we know how pricing works, where there’s flexibility, and when an insurer is likely to sharpen their pencil.

We present your risk properly
Insurers price on risk. We make sure your business or personal profile is positioned accurately and fairly, so you’re not overpaying due to missing or misunderstood information.

We compare the whole market
Rather than defaulting to one provider, we run full market reviews and challenge insurers to compete for your business.

We negotiate, not just quote
We don’t simply pass on prices. We push back, query increases, and negotiate terms, especially at renewal when premiums often creep up.

And our service doesn’t cost you extra
Our advice and negotiation are built into the policy, meaning you get expert support without paying broker fees on top.

The result?
Cover that fits, fewer surprises at renewal, and better value over the long term.

If you’re reviewing your policy or frustrated by rising premiums, it might be worth a conversation.

Health Insurance vs Cash Plans: What’s the Difference?These two are often confused, but they do very different jobs. Kno...
17/02/2026

Health Insurance vs Cash Plans: What’s the Difference?

These two are often confused, but they do very different jobs. Knowing the difference can help individuals and businesses choose the right cover.

Health Insurance (Private Medical Insurance)
- This is designed for bigger, unexpected medical issues.
- It typically covers things like consultations, diagnostics, surgery, and treatment in private hospitals.
- The main benefit is fast access to care and more choice over where and when you are treated.
- Best for: Serious or ongoing medical conditions where waiting times matter.

Health Cash Plans
- Cash plans reimburse everyday healthcare costs.
- Think dental check-ups, physio, optical appointments, and prescriptions.
- You usually pay upfront and claim the money back, up to set limits.
- Best for: Managing routine healthcare costs and boosting wellbeing on a budget.

So which is better?
Neither is “better”, they just solve different problems.
Many people and businesses even combine both for broader cover.

If you’re not sure what makes sense for you or your team, that’s completely normal. It’s what we help with every day.

Happy to chat if this is something you’re exploring.

Health insurance brokers shouldn't stop being helpful once the policy is in place.At Lifepoint Healthcare, our support r...
12/02/2026

Health insurance brokers shouldn't stop being helpful once the policy is in place.

At Lifepoint Healthcare, our support runs from day one through to claims and beyond. We help clients choose the right cover, guide them through the claims process when they need treatment, and stay involved at renewal to make sure their policy still works for them.

It is not just about arranging insurance. It is about having someone on your side when it really matters.

For a more in depth look at how we achieve this, check out our latest blog!

10/02/2026

Is Company Health Insurance Worth the Cost?

It is a question we hear from a lot of business owners and leaders, especially as costs rise across the board.

On the surface, company health insurance can look like a significant expense. But when you look a little deeper, the conversation often shifts.

Faster access to treatment can mean fewer sick days. Support with mental health can help prevent longer periods of absence. And offering health insurance can make a real difference when it comes to attracting and retaining great people.

For many businesses, the real cost is not providing health insurance. It is the cost of doing nothing.

What are your thoughts? Have you seen health insurance make a difference in your workplace?

We absolutely love getting reviews like this!
05/02/2026

We absolutely love getting reviews like this!

What does a health insurance broker actually do?It’s a question we get a lot, and honestly, it’s a fair one.A health ins...
03/02/2026

What does a health insurance broker actually do?

It’s a question we get a lot, and honestly, it’s a fair one.

A health insurance broker sits between you and the insurers. Our job is to make sure you get the right cover, not just a policy.

In practice, that means we:

- Compare the market across multiple insurers, not just one
- Explain the differences in plain English, no policy jargon
- Negotiate terms and pricing where possible
- Handle the admin, paperwork, and renewals
- Support you when something changes or when you actually need to use the policy
- For businesses, it also means advising on benefits strategy, employee needs, and compliance, not just premiums.

And one thing that often surprises people:
Using a broker usually doesn’t cost you anything. We’re paid by the insurer, not by you, so you get expert advice without an extra fee.

Health insurance can be confusing, but it doesn’t have to be. A good broker’s role is to save you time, reduce risk, and help you make informed decisions with confidence.

If you’ve ever wondered whether you’re on the right cover, or why policies vary so much, that’s exactly where we come in.

Happy to answer questions in the comments 👇

The true cost of employee absence (and how health insurance helps)Employee absence costs businesses far more than sick p...
29/01/2026

The true cost of employee absence (and how health insurance helps)

Employee absence costs businesses far more than sick pay.

Lost productivity, stretched teams, management time, and delayed work all add up, especially when absence becomes prolonged.

Two of the biggest drivers of time off work are:
• Musculoskeletal issues
• Mental health challenges

Both often worsen when employees face long waits for diagnosis or treatment.

This is where health insurance can make a real difference.

By providing faster access to treatment, early intervention support, and wellbeing services, health insurance can reduce the length of absence and help employees return to work sooner.

It is not just an employee benefit. It is a practical tool for protecting productivity and supporting a healthier workforce.

If reducing absence is a priority for your business, it may be worth taking a closer look at how health insurance fits into your people strategy.

Check out our latest blog for a more in depth look!

Employee absence is one of the biggest hidden costs for businesses. While sickness can never be eliminated entirely, the...
27/01/2026

Employee absence is one of the biggest hidden costs for businesses. While sickness can never be eliminated entirely, the right health insurance support can significantly reduce how long people are off work.

Here is how it helps:

• Faster access to treatment
Employees avoid long NHS waiting times and can get diagnosed and treated sooner, meaning quicker recovery and earlier returns to work.

• Early intervention
Many policies include access to GP services, physiotherapy, mental health support, and wellbeing tools. Addressing issues early often prevents short-term problems becoming long-term absence.

• Support with musculoskeletal and mental health issues
These are two of the most common causes of workplace absence. Health insurance often provides targeted pathways and specialist support to manage them effectively.

• Improved morale and engagement
When employees feel supported by their employer, they are more likely to stay engaged, motivated, and proactive about their health.

Health insurance is not just a benefit. It is a strategic tool that can protect productivity, reduce disruption, and support a healthier workforce.

If you would like to understand how health insurance could work for your business, feel free to get in touch or message us directly.

Either way, we're not sure we have the cover they need 😂
22/01/2026

Either way, we're not sure we have the cover they need 😂

Employee benefits that actually matter to staffPing-pong tables and free snacks are nice, but they are not what employee...
20/01/2026

Employee benefits that actually matter to staff

Ping-pong tables and free snacks are nice, but they are not what employees talk about when deciding whether to stay or leave.

What consistently matters most is:

• Access to private healthcare when they need it
• Support for mental wellbeing, not just a helpline link
• Flexibility that respects life outside work
• Financial protection if illness or injury strikes
• Feeling genuinely looked after, not just “offered benefits”

The best employee benefits are the ones people use, value, and remember when it counts.

If your benefits package is rarely mentioned by staff, it might be time to ask why.

Because meaningful benefits do more than tick a box, they build trust, loyalty, and healthier teams.

What Does a Health Insurance Broker Actually Do?Many businesses know they have a health insurance policy, but are not al...
15/01/2026

What Does a Health Insurance Broker Actually Do?

Many businesses know they have a health insurance policy, but are not always sure what their broker really does behind the scenes.

At Lifepoint Healthcare, our role goes far beyond arranging cover.

From understanding your needs and reviewing the market, to negotiating with insurers, supporting employees, and managing renewals, we support our clients end to end.

The result? Health insurance that actually works for your business and your people.

We’ve broken down the full role of a health insurance broker, and how Lifepoint supports you at every stage, in our latest blog.

👉 Read the full article on our website

Why More UK Businesses Are Reviewing Their Health Insurance in 20262026 is shaping up to be a turning point for workplac...
13/01/2026

Why More UK Businesses Are Reviewing Their Health Insurance in 2026

2026 is shaping up to be a turning point for workplace health insurance in the UK.

More employers are taking a step back and asking a simple question: Is our current health insurance still fit for purpose?

We are seeing reviews driven by a few key factors:

• Rising premiums and tighter budgets
• Increased employee expectations around health and wellbeing
• Longer NHS waiting times putting more pressure on employers
• A stronger focus on retention, productivity, and absenteeism

For many businesses, policies arranged years ago no longer reflect how their workforce looks today, especially with hybrid working, changing demographics, and greater demand for mental health support.

A review does not always mean spending more. In many cases, it is about restructuring cover, removing unnecessary extras, and making sure employees actually understand and use the benefits available to them.

Health insurance should work for both the business and the people behind it.

If you have not reviewed your policy recently, 2026 may be the right time to start the conversation.

Get in touch now for a free, no expectations review!

Address

Hendon

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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