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What is the Guaranteed Acceptance Health Cash Plan?

We are pleased to offer 'Everyday', the Guaranteed Acceptance Health Cash Plan from ESMI Ltd.

The policy covers your 'Everyday' health cover needs with a wide range of cash benefits for everything from one-off specialist treatments like physiotherapy to regular check-ups, specialist consultations, prescription costs and even NHS hospital parking.

Unlike most other Health Cash Plans Everyday provides cover for your existing medical conditions after a short qualifying period and there will be no medical examinations or questions during the application process.

The cover is open to all Permanent UK Residents between the ages of 18 and 61 and can be set up online within a matter of minutes.

Why not take a look at their video to see if ESMI is right for you?

ESMI life video

Who is the ESMI Guaranteed Acceptance Health Cash Plan for?

Anyone between the ages of 18 and 61 who is a permanent UK Resident will be accepted, however, the policy is particularly suited to the following people:-

  • With pre-existing medical conditions.
  • Previously declined for Health Cash Plans or Medical Insurance
  • Who need immediate cover
  • Who don't want to answer medical questions
  • Who don't want to attend medical examinations
  • Who want to purchase an online policy within minutes.

Is this a replacement for Private Medical Insurance (PMI)

A Health Cash Plan is not Private Medical Insurance and is designed to pay you a cash sum to help towards the general Everyday medical bills that arise rather than funding operations and ongoing private treatment. If you require PMI then please click here to be taken to our PMI section. Please note that it is unlikely that any pre-existing medical conditions would be covered under a PMI policy.

You may also be interested in Surgical Cover offered by ESMI which will pay a cash sum towards the cost of over 1500 surgical procedures. This in conjunction with 'Everyday' provides an excellent financial safety net for your medical needs.

The Everyday plan does not cover you for injury sustained through Professional or Semi-Professional Sport or High-Risk Extreme Sports.

You will be able to view the full definitions and terms of the policy when you request a quotation. As with all Insurance Contracts, it is vital that you read the Terms and Conditions to make sure the policy is suitable for your needs.

Do they offer any other Guaranteed Acceptance Policies

Yes, ESMI offers a complete suite of products including

How do I obtain more information and apply for cover?

By clicking the Quote Button at the top of the page you will be directed to the ESMI website where you will be able to obtain full details of the policies offered together with quotations and the ability to apply online.

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