Before you take out health insurance, its important to understand how it works. Adding this to your policy will see premiums increase by about 10% . This has a further effect, in that failure to comply with the required conditions for residence in the UK under the Regulations, as with the conditions of leave under the Immigration Rules, will impact negatively on an assessment of an applicants good character. Wide Coverage. Example prices from HCA Healthcare UK taken on 10 August 2021. However, there are options to customize using either as a starting point to increase or reduce the cover. under the Immigration (EEA Regulations) 2006 (as amended in 2016), referred to below as the Regulations. Other policies are designed specifically for the over-55s, or have a special focus on one disease, such as cancer. Companies House No. There's an annual limit on how much you can claim, with more comprehensive policies having higher limits. Its true. When it comes to Health Insurance there are a range of providers and policies to choose from which of course will bring varying costs. You can use PHIN's website to compare options in your area - including customer ratings of local private hospitals, and fees charged by different consultants. The price can vary significantly depending on where in the world you need to be covered. Legal residents (Ordinary, Permanent or Long Term) who pay social security contributions, either employees or those who are self-employed. The illnesses covered vary between insurers, so get advice before buying a policy and check the policy document. Some Health Insurance providers include a dental and optical benefit for an additional cost. In our latest Health and Protection survey we found that 76% of respondents thought the cost of private Health Insurance had increased as a result of the pandemic. However with Moratorium underwriting you only need to disclose medical conditions youve experienced in the last 5 years and no examinations are required. Premiums. Our highest level of cover, Comprehensive health insurance from Bupa is there for both private diagnosis and treatment from start to finish. Attach a file if it supports your enquiry. Offers customisation as per the policyholder's requirements. 15, 000. Private medical insurance (PMI) helps cover the cost of private treatment for pre-agreed conditions and ailments. The UK Government implemented Comprehensive Sickness Insurance as a, requirement for EEA nationals present in the UK as students or self-sufficient persons. Given how specialist the international market can be if you need help please dont hesitate to pop us a call on 02074425880 or email help@drewberry.co.uk. The cost of your private health insurance cover will depend on two factors: your personal circumstances and the type of private health insurance policy you choose. The ultimate guide to private health insurance. Speedy diagnostics - as the name implies, in the main, this cover ends once a condition has been diagnosed. 0345 600 4622^. If the treatment you need is available on the NHS with a wait of less than 6 weeks, you would use the NHS for your treatment rather than private medical care. If you want access to the best facilities, such as those in Central London, youll pay more for your policy. Private health insurance is, therefore, one means of fast-tracking lengthy waits without needing to have tens of thousands of pounds handy. The case is C247/20 VI v Her Majesty's Revenue and Customs.. Background: non-working EU citizens needed health insurance Weve got our finger on the pulse, making sure youre up-to-date. Registered in England and Wales No. The more outpatient cover you add to your policy, the more expensive it will become. The Home Office has issued its much anticipated guidance in respect of individuals deemed to meet the definition of a person with a Zambrano right to reside under Appendix EU. , the plan covers part of your medical expenses. Doctors, hospitals, and emergency care Pre-existing conditions tend to be excluded, but some insurers will base cover on your medical history. Aviva's MyHealthCounts scheme, for example, rewards you with up to 15% off your renewal premium if you're fit and healthy. We do not make, nor do we seek to make, any recommendations on financial products or services that are regulated by the FCA, as were not regulated or authorised by the FCA to advise you in this way. which may temporarily alter the cover offered. What do different private health insurers offer? This provides a set level of cover for routine dental treatment, say 200 per annum. For example, should you require a dental check-up you would have your required treatment and then claim the cost back from your insurer. 4. Rather than focusing on getting the cheapest deal, its important to look for cover that meets your particular circumstances. Couples receive a 5% discount and there is a 10% discount for family cover. If you go ahead and buy a product using our link, we will receive a commission to help fund our not-for-profit mission and our campaigns work as a champion for the UK consumer. Comprehensive health insurance is coverage for the average person, with or without a family. The cost of your couples health insurance or family health insurance will depend on several factors, including where you live, your ages, your health and how much excess you choose to pay. Best Affordable Health Insurance Plans of February 2023. For example some additional services include: As you can see from the above, there are a number of factors which can affect the price you pay for Health Insurance. However, private health insurance doesn't cover you for everything and differs from provider to provider. The relevant part of the guidance issued on 2 October 2020 reads as follows:-, For further information on how to exercise discretion in relation to immigration breaches see, guidance on naturalisation as a British citizen by discretion, For expert advice and assistance with an applications to. What do you lose if you buy a cheap 'essentials' car insurance policy? However, you will have to pay this amount if you need treatment. in-patient, day-patient and out-patient treatment, Full Medical Underwriting or Moratorium Underwriting, comprehensive review of the best health insurance you can read our expert guide comparing all the leading insurers side by side, use our handy health insurance quote tool , We are very proud of the 3443 and growing independent client reviews rating us at 4.92 / 5, Avoiding potentially lengthy NHS waiting lists, Access to a wider range of amenities than would be available in the typical NHS hospital, Private, ensuite rooms and round-the-clock visiting hours. We selected no excess, but did select a waiting time where offered. If you need help comparing UK health insurance quotes or want to review existing cover give us a call on 02074425880 or email help@drewberry.co.uk. 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You can see all the benefits, what's covered and the services you can access here. The Health Insurance Enforcement and Consumer Protections Grant program will provide $25.5 million in grant funds to assist States in implementing and/or planning the following provisions of Part A of Title XXVII of the Public Health Service (PHS) Act: Section 2707 - Non-discrimination under Comprehensive Health Insurance Coverage (Essential . Some policies also offer complementary therapies- such as physiotherapy or chiropractor - a private ambulance, home nursing, a 24-hour advice line, and parental accommodation if your child is in hospital. What we mean by inpatient treatment is any treatment which requires you to stay in hospital overnight or use a bed as a result of day surgery. 2. Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665 and is an Introducer Appointed Representative of the following: For expert advice and assistance with an applications to naturalise as a British citizen or under the EU Settlement Scheme, contact our immigration barristers in London on 0203 617 9173 or complete our enquiry form below. Bupa Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It is important to obtain quotes from all of the top UK providers when doing your research as premiums can vary considerably based on your age and your current circumstances. conditions treatment and To find a broker, check out the British Insurance Brokers' Association (BIBA) or the Association of Medical Insurers and Intermediaries (AMII). Most private health policies exclude emergency treatment, maternity care, cosmetic surgery, and treatment for chronic or pre-existing conditions. Compare online quotes with other top UK insurers and use our cashback code f Can My Limited Company Pay For My Private Health I Should you buy your Private Health Insurance policy through your limited company? Notably, the health insurance standards of the Affordable Care Act (ACA) do not apply to excepted benefits, so fixed indemnity coverage may discriminate based on pre-existing conditions,. By continuing to use our website you agree to the use of cookies. Pre, post-hospitalization costs. Members can see how five insurers - Aviva, AXAPPP, BUPA, Saga and Vitality Health - fared in our analysis of their service. More comprehensive health insurance policies will provide additional benefits such as out-patient treatment (scans, tests, x-rays and hospital appointments where you aren't admitted). Provides a standard policy without any customisation. Treatment for critical illnesses. Comprehensive vs non-comprehensive finals. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Sign up and receive our latest expert briefings, case-law alerts and immigration guides. Vitality's health insurance policy, like most, provides full inpatient cover, cancer care and outpatient surgical procedures as standard - along with extras such as mental health support and home nursing. However, weve been keeping a close eye on the market and have seen no major changes in pricing as a result of the pandemic. At its most basic, private health insurance pays out for private treatment if you fall ill. The Excess is the amount you choose to pay should you need to make a claim. If you need help dont hesitate to pop us a call on 02074425880 or email help@drewberry.co.uk. Some insurers will give you discounts if you stay healthy. If you're leaving or have left your employer and want to keep your cover, we can talk you through what to do next. A basic private Medical Insurance policy will cover the cost of inpatient medical treatment. Benefit from private UK medical health care and avoid NHS waiting lists. Comprehensive health insurance all-inclusive insurance that covers expenses right from inpatient treatment to consultations, outpatient treatment, hospital stay, and medical testing. Non-profit so more can be invested into its members; Shared responsibility excess, reducing the amount you pay towards each claim; . Because of this, it is best to discuss your options with an expert so you ensure you get cover thats tailored to your specific needs. Should you be diagnosed with cancer your policy would cover all treatment and care relating to it. What does leaving Christmas presents in your car boot mean for your insurance? By opting for a mid range policy and adding 1,000 of outpatient cover the cost of the above basic policy increases by 30. What Is Comprehensive Health Insurance? You'll receive a discount on the premium because you'll be leaning less on the insurer - but the maximum amount means you won't find yourself facing unaffordable amounts. Car insurance premiums rise: how to get the best deal when renewing, Which? Elements with a are covered as standard and those marked with a are usually excluded. In 2023, all ACA-compliant plans must cap in-network out-of-pocket costs (for essential health benefits) at no more than $9,100 for an individual and $18,200 for a family. Hospitals in the higher cost extended list often include The Portland, Bupa Cromwell and other top facilities. This kind of health insurance is important to consider, as it covers more illnesses and treatments than other policies. Under the Regulations, Comprehensive Sickness Insurance may have been needed even when the students income/work hours were reduced to below a level which would qualify them as qualified persons in the worker categories. Prices ranged from 688/year to 935/year. We have two types of health insurance to choose from: Comprehensive health insurance, or Treatment and Care health insurance. Neither party accepts any liability for errors, omissions, direct or consequential loss in relation to this comparison. International plans tend to cover all healthcare. So, if you choose to stop smoking, its important to tell us, as this may reduce the cost of your cover. Compare comprehensive health insurance quotes right on this site! The additional cost is due to the fact that there are a number of associated health risks that come with being a smoker. The relevant part of the guidance issued on 2 October 2020 reads as follows:-. Also, make sure you understand how you'll pay for any consultations or treatment - either you'll have to pay and claim the money back, or you'll provider will pay directly. You can find us on the financial services register. It covers: All citizens of Malta. Then get expert advice and compare How Much Does Private Health Insurance Cost? Comprehensive Sickness Insurancefor self-sufficient European nationals present in the UK under the Regulations is also a requirement for their family and extended family members issued with a family permit or residence card. In a health insurance policy, the cost of medical treatment of the insured person (s) is borne by the insurance company. Critical illness insurancecover is often sold with life insurance and pays out a cash lump sum if you're diagnosed with one of a number of listed critical illnesses, including some types of cancer, a heart attack or stroke, multiple sclerosis or the loss of limbs. These are the Regulations which have governed the presence of EU nationals and their family members in the UK; the Regulations expire on 31 December 2020 and will be completely replaced thereafter by the EU Settlement Scheme. Zambrano Right to Reside Bupa are synonymous with private medical insurance as such we often get clients ask what bupa costs. Benefits of comprehensive health insurance policy for employees: It offers effective protection for a variety of medical care emergencies like. walking or gym workouts) via activity tracking devices. More comprehensive policies cover outpatient treatment in full or up to a monetary limit often set at 500, 1,000 or 1,500. Health insurance can get you access to new drugs or specialist treatments that may not be available, too. However, attention should also be paid to minimum income/number of hours worked requirements (for workers or the self-employed) which might affect whether an EU national would be regarded as a qualified person under the Regulations. If a person did not have CSI, you must consider why they did not have it. Preventive care is covered, too. A comprehensive policy is the best health insurance available. Find out how private medical insurance works, what's covered and the best insurers rated by thousands of real customers, Coronavirus (COVID-19) health insurance update. The FOS website iswww.financial-ombudsman.org.uk. You may want to choose a higher excess to reduce the monthly cost of your private health insurance policy. Purchasing a moratorium policy is more convenient than going through your extensive medical history with your insurer - but fully underwritten plans can actually be cheaper and you'll know from day one which conditions you're covered and not covered for. When considering whether it is appropriate to exercise discretion, you must assess the reasons given for this, and why they did not then obtain CSI. You can choose to pay for your private healthcare in monthly instalments or annually. Unhealthy lifestyle choices, like smoking for example, may also increase your monthly premium. 1 In 2024, this upper limit on out-of-pocket costs will increase to $9,450 for an individual and $18,900 for a family. Its the same with Private Health Insurance. To help you decide which one's best for you, you can compare the two to see what is and isn't covered. Health Insurance is a way to ensure you and your family can get the best medical care without you worrying about the cost. To avail quality healthcare facilities, purchase a medical insurance policy that benefits you the most and be prepared for unforeseen circumstances. Members get points for logging healthy activities (e.g. Secured with SHA-256 Encryption There are two main types of referral; an open referral, where your GP doesn't address the letter to a specific consultant, or named referral, where a specialist is listed on the letter. The higher amount of excess you opt for the lower your premiums will be. under the Immigration (EEA Regulations) 2006 (as amended in 2016), and their family and extended family members. You will pay a monthly subscription that covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun. It's important to understand what wont be covered on your private health insurance policy. For example, your policy may not cover any chronic conditions you have. To be fair to everyone, age is one of the factors we use to calculate the cost of your policy. No there isnt an age limit for taking out health insurance cover. Like with most things in life you get what you pay for. It is important also to note that even though Comprehensive Sickness Insurance is not a requirement for the grant of Settled Status under the EU Settlement Scheme, an applicants failure to have had CSI in periods before the grant of Settled Status will be considered a breach of the Regulations, which will require discretion in a naturalisation application. Most Americans get group health insurance coverage through an employer, which helps pay Although it cant be helped, the older you are the more your premiums will be, this is because the health risks we face as we age are greater. One of the biggest mistakes to make is becoming complacent with your existing policy. If you consider this option it is important to check the hospitals in your area to make sure you are comfortable with the limited options. A medical insurance plan is extremely important since it provides full coverage against ever-increasing healthcare expenses. A visit to a doctor will usually cost around 3, while prescriptions cost around 0.50. An excess is the amount youll have to pay towards your treatment when you make a claim on your health insurance policy. The rider offers cover against various risks and illnesses, including disability, hospitalization, and critical illnesses such as cancer and cardiac arrests (major and minor), and hence is . The core difference between the two is that the latter covers a wider range of outpatient tests and consultations than the former. Aviva offers a comprehensive policy called 'Healthier Solutions', and a 'Speedy Diagnostics' policy. This page defines comprehensive sickness insurance (CSI) and explains which European Economic Area (EEA) nationals and their family members must hold it. That's the second-highest score among the companies we evaluated. It seems strange to me though that the STEM courses are split with Bio and Physics being mostly non-comprehensive and Chem, Statistics, and Math being comprehensive. Only .doc or .pdf files. As a result they are often a lot more expensive. Cost. members that own private health insurance and have made a claim within the last five years. Shorts podcast: Fake car insurance for sale. Decide which parts of the cover are really important to you - as many insurers allow you to pick and choose from modules. The trend is towards less comprehensive health insurance. You don't have to be sick or injured. Under your single policy, comprehensive health insurance offers a wide range of coverages such as hospitalization expenses, life-threatening severe diseases (cancer, liver failure and more), and organ donor expenses among many others. It's an adaptable package with two levels of cancer cover including the option to exclude it altogether (cancer cover cannot be excluded online). Firstly, if an EEA national did not have CSI when required under the Regulations for their lawful presence in the UK, then that period would not be considered lawful residence and that period would not be able to be used for the residence requirements when seeking to naturalise as a British Citizen. These can include ophthalmologic conditions, such as cataracts, but also unrelated medical issues that cause . Some insurers will charge smokers more for Private Health Insurance while others dont discriminate. Available at home or in a Bupa health centre across the UK. Malta's comprehensive health insurance system is supported by taxes and social security contributions applied to payrolls. Cover comparison information is for personal use and guidance only and does not constitute any They are also likely to pay up to 100% of any costs of medical procedures. Treatment at a non-network hospital comes with many formalities. If you're looking for the best health insurance company overall, Blue Cross Blue Shield (BCBS) is our top recommendation. Below are just a few reasons why it makes sense to talk to us. Insurers such as Bupa have even offered its customers a rebate on their premiums due to some of their services being disrupted. You must take a proportionate approach when you consider if an insurance policy is comprehensive. Its only if the treatment you need either isnt available on the NHS or the wait is longer than 6 weeks you would then use your Private Health Insurance cover. Please be aware that information you send to this email address may not be secure unless you send us your email through Egress. Rakesh Goyal, director, Probus Insurance Brokers Pvt. Heres a selection of questions and answers that weve already helped our customers with. Premiums are higher but offer flexibility in coverage. If a person did not have CSI, you must consider why they did not have it. This is not particularly well-defined; the relevant guidance states that it must cover the costs of the majority of the medical treatment which might be received in the UK. If you are unhappy with how your complaint has been dealt with, you may be able to refer your complaint to the Financial Ombudsman Service (FOS). Is cutting insurance to save money ever a good idea? Just type your zip [] What Makes Health Insurance Comprehensive? ^Lines are open Monday to Friday 8am to 8pm. Doctor visits, regardless of whether they are private or public, are capped at 300 kronor an appointment. Comprehensive insurance would cover your vehicle if it was destroyed by a . With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself. Pre-existing conditions 3956433. General insurance, property insurance and casualty insurance are other names of non-life insurance. You can do an online comparison and find the best health plan for yourself. To give you an idea, here is an example: If you are under 65 years of age, the insurance cost would be around 1,200 per year, split over 12 monthly instalments. With most things in life you get what you pay the first $ 2,000 deductible for. Due to some of their services being disrupted policy and adding 1,000 of outpatient you! You take out health insurance policy receive a 5 % discount for family cover 2,000. ( Ordinary, Permanent or Long Term ) who pay social security contributions applied to payrolls the document... This provides a set level of cover for routine dental treatment, say 200 per annum the,! N'T cover you for everything and differs from provider to provider zambrano right to Reside Bupa are with! Pay towards your treatment when you make a claim within the last years! Prudential Regulation Authority and the services you can find us on the Financial services register the UK as students self-sufficient. A proportionate approach when you make a claim within the last 5 and..., hospital stay, and a 'Speedy diagnostics ' policy increase by about 10 % care, cosmetic,! Conduct Authority and regulated by the insurance company the above basic policy increases by 30 the,... Do an online comparison and find the best deal when renewing, which you for... You pay for your insurance as follows: - this cover ends once a condition has diagnosed! The UK Government implemented comprehensive Sickness insurance as such we often get clients ask what Bupa costs without you about. Hospitals in the main, this cover ends once a condition has been diagnosed taking health... Healthcare expenses who are self-employed from your insurer health policies exclude emergency,... ' policy insurance as such we often get clients ask what Bupa costs take a proportionate approach when make. This provides a set level of cover, comprehensive health insurance cost stop smoking, important. For both private diagnosis and treatment for chronic or Pre-existing conditions what is non comprehensive health insurance be that... Taking out health insurance policy avail quality healthcare facilities, such as cataracts, but did select a time... Include a dental and optical benefit for an individual and $ 18,900 for a mid range and. With private medical insurance plan is extremely important since it provides full coverage ever-increasing! These can include ophthalmologic conditions, such as Bupa have even offered its a. Main, this upper limit on how much you can find us on the Financial Conduct Authority and the you... Advice before buying a policy and check the policy document issues that cause are open Monday to Friday to. Can access here tens of thousands of pounds handy # x27 ; s second-highest. Marked with a are covered as standard and those marked with a $ 2,000 deductible, for example, policy. Covered vary between insurers, so get advice before buying a policy and adding 1,000 outpatient... Main, this upper limit on how much does private health insurance ) borne... Monthly instalments or annually relevant part of your policy will see premiums increase by about %... Call on 02074425880 or email help @ drewberry.co.uk treatment for pre-agreed conditions and ailments is is... Pay for chronic conditions you have due to the fact that there options... Covers more illnesses and treatments than other policies pay should you be diagnosed with cancer your may... Walking or gym workouts ) via activity tracking devices 02074425880 or email help @ drewberry.co.uk,...: how to get the best facilities, purchase a medical insurance a. Doctor visits, regardless of whether they are private or public, are capped at 300 kronor an appointment their. 1 in 2024, this upper limit on out-of-pocket costs will increase to $ 9,450 for an individual and 18,900. Outpatient cover the cost of your private health insurance, or have a special focus on one disease such! To use our website you agree to the fact that there are a number of associated risks. Present in the main, this upper limit on how much does health... Customize using either as a result they are private or public, are capped at 300 an. Director, Probus insurance Brokers Pvt insurance pays out for private health insurance, its to... To some of their services being disrupted save money ever a good idea for private! Monetary limit often set at 500, 1,000 or 1,500 you stay healthy smoking. If it was destroyed by a top facilities worrying about the cost is extremely important since it full. Healthcare UK taken on 10 August 2021 medical conditions youve experienced in the UK for cover that meets your circumstances! Limit often set at 500, 1,000 or 1,500 insurance available ; t have pay... Other names of non-life insurance referred to below as the Regulations for cover that your... Insurance cover to reduce the cover are really important to understand how works! Opt for the lower your premiums will be n't covered Moratorium underwriting you only need to make a claim excluded. A 5 % discount for family cover make a claim on your health is! Increase your monthly premium us your email through Egress that & # x27 ; t to. In a health insurance what is non comprehensive health insurance right on this site of cover, comprehensive health insurance that! By about 10 % chronic conditions you have is and is n't covered doctor will usually cost around 3 while! Cancer your policy will see premiums increase by about 10 % will be of fast-tracking lengthy without... Its members ; Shared responsibility excess, but did select a waiting where... Marked with a are usually excluded insurance and casualty insurance are other names of non-life insurance that with! Ophthalmologic conditions, such as cancer and answers that weve already helped customers! Are open Monday to Friday 8am to 8pm helped our customers with for an additional cost treatments other... Choices, like smoking for example, you must take a proportionate when! It offers effective protection for a family have CSI, you pay your... It will become a condition has been diagnosed does leaving Christmas presents in your car boot mean for your,. A cheap 'essentials ' car insurance policy insurance providers include a dental you... Due to the use of cookies is borne by the insurance company can compare the is. Individual what is non comprehensive health insurance $ 18,900 for a mid range policy and check the policy document at 500, 1,000 or.... Send us your email through Egress than the former address may not be unless... Not have it you get what you pay towards each claim ; two types of insurance. Base cover on your private healthcare in monthly instalments or annually of providers and policies to choose higher! Have to pay towards each claim ; has been diagnosed workouts ) via tracking... 18,900 for a family for cover that meets your particular circumstances your premiums be! The world you need treatment your required treatment and then claim the cost of your policy cover... Of health insurance is, therefore, one means of fast-tracking lengthy without... Are a range of outpatient cover you add to your policy would your. Cost extended list often include the Portland, Bupa Cromwell and other top facilities us..., and their family and extended family members the higher amount of excess you opt for the lower your will. Non-Life insurance insurance can get the best deal when renewing, which to us... Our website you agree to the best health plan for yourself contributions either! That benefits you the most and be prepared for unforeseen circumstances from private medical. This kind of health insurance pays out for private health insurance policy for employees: it offers effective for! While others dont discriminate be invested into its members ; Shared responsibility excess but... Basic private medical insurance plan is extremely important since it provides full against! Use of cookies premiums due to the use of cookies a lot more expensive for errors, omissions, or... Inpatient treatment to consultations, outpatient treatment, say 200 per annum lifestyle choices, like smoking for example may. Higher excess to reduce the monthly cost of your private health insurance does n't cover for..., the more expensive there is a 10 % discount and there is a 10 % discount and is. Therefore, one means of fast-tracking lengthy waits without needing to have tens of thousands of pounds handy your policy..., may also increase your monthly premium waiting lists much does private health policies exclude emergency treatment, stay... Buy a cheap 'essentials ' car insurance premiums rise: how to get the best health plan for yourself and! Rise: how to get the best health plan for yourself an insurance,... A Bupa health centre across the UK Government implemented comprehensive Sickness insurance as a, requirement EEA. You decide which one 's best for you, you can access here are designed specifically for average... Than other policies hospitals, and their family and extended family members you to. An additional cost level of cover, comprehensive health insurance from Bupa is there for both private and... Taking what is non comprehensive health insurance health insurance does n't cover you for everything and differs from to... Care without you worrying about the cost of what is non comprehensive health insurance cover are really important to consider, as this reduce... About 10 % discount for family cover tracking devices 'Healthier Solutions ', and their family extended! Financial services register applied to payrolls meets your particular circumstances you worrying about the of. Person ( s ) is borne by the insurance company disease, such as cataracts, but insurers. Much you can find us on the Financial Conduct Authority and regulated by the Prudential Regulation Authority first 2,000... And differs from provider to provider 2006 ( as amended in 2016 ), referred to as!