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What is the Guaranteed Acceptance Surgical Cash Plan?

We are pleased to offer the Guaranteed Acceptance Surgical Cash Plan from ESMI Ltd.

The Surgical Cash Plan pays you a cash lump sum if you need surgery. The Plan covers over 1500 surgical procedures and allows you the flexibility to choose where and when you have your operation.

A fixed sum is paid to you dependent on the operation you require. You can then choose how to spend the money. You may decide to pay for the operation privately or you may decide to have the operation through the NHS and keep the funds to aid your recovery. The choice is yours.

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.

The Cover is guaranteed to be accepted  irrespective of your medical history and you will not be asked any medical questions or be required to undergo any medical examination or tests (please see information regarding pre-existing medical conditions below*)

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 Surgical 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:-

  • Who want an alternative to Private Medical Insurance
  • Previously declined for 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 Surgical Cash Plan is not Private Medical Insurance and is solely designed to pay you a cash sum to cover the cost of over 1500 surgical procedures. If you require PMI then please click here to be taken to our PMI section. Please note that it is also unlikely that any pre-existing medical conditions would be covered under a PMI policy.

You may also be interested in Health Cash Plan offered by ESMI which will pay a cash sum towards your Everyday medical expenses. This in conjunction with the Surgical Cash Plan provides an excellent financial safety net for your medical needs.

*Are my pre-existing medical conditions covered?

If you have any Pre-existing medical conditions at the time you take out the Guaranteed Acceptance Surgical Cash policy they will not be covered, nor will any other conditions related or associated to this pre-existing conditions.

You will, however, be covered for any new unrelated conditions immediately.

The Surgical Cash 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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The Insurance Surgery Ltd is rated 4.8/5 based on 251 reviews. Read our reviews


'The best broker you can get' Sarah Angel. An angel in name and in facts. She's the customer representative that has spent months in the months in helping me getting the deal I got. Always patient, never given up looking for the right policy and me. Frankly, I never thought a lot about brokers but this company is a blessing to people that cannot get insurances by themselves for health reasons. Thank you. 4.8

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