Case Study: How Private Medical Insurance Helped a Self-Employed Consultant Get Faster Treatment and Peace of Mind
At J Finance, we don’t just help with mortgages — we also help clients protect their health and income with tailored insurance solutions. For busy professionals, particularly those who are self-employed, having private medical insurance can make all the difference when it comes to getting timely healthcare and keeping your business running.
Here’s how we helped a self-employed consultant arrange affordable private health insurance that gave him faster access to treatment and valuable peace of mind.
Client Profile
Name: James (Self-Employed IT Consultant)
Situation: Wanted faster access to healthcare due to long NHS wait times
Challenge: Concerned about affordability and not sure where to start
The Problem
James runs his own consultancy business, meaning time off work directly affects his income. After a delayed NHS referral left him waiting months for treatment, he decided to explore private medical insurance (PMI) but quickly ran into roadblocks:
❌ Confusing policies – Unsure what was and wasn’t covered
❌ Expensive quotes – Online prices seemed high, especially for comprehensive cover
❌ No guidance – Didn’t know which insurers were best for self-employed individuals
James wanted comprehensive health insurance but didn’t want to overpay or end up with cover he didn’t need.
The Solution: Tailored Private Medical Insurance
We spoke with James to understand his priorities and explained how we could help him compare private medical insurance from a wide range of UK insurers.
✔️ Quick access to consultants and diagnostics
✔️ Cover for inpatient and outpatient care
✔️ Options to control premiums (e.g. excess, 6-week wait option)
✔️ Nationwide hospital network for flexibility
We used our panel of trusted health insurance providers to build a policy that balanced great cover with affordable monthly premiums.
New Policy Secured
Provider Chosen: One of the UK’s leading private health insurers
Cover Includes: Inpatient & outpatient, mental health, therapies, diagnostics
Added Features: 24/7 GP access, online consultations, health helpline
The Result
✔️ Fast Access to Healthcare – Seen by a consultant in under a week
✔️ Reduced Downtime – Able to continue working while receiving treatment
✔️ Peace of Mind – Covered for unexpected health issues in the future
✔️ Tailored Policy – No paying for cover he didn’t need
✔️ Great Value – Quality policy at a cost-effective price
How J Finance Helped
✅ Compared a wide panel of insurers
✅ Explained the options clearly, without jargon
✅ Structured the policy to suit James’ work/lifestyle
✅ Helped him apply and set up direct payments
✅ Ongoing support with annual reviews and claims advice
Thinking About Private Medical Insurance?
If you want more control over your healthcare, private medical insurance could make a big difference — without breaking the bank.
At J Finance, we help you find the right private medical insurance at the right price — with expert advice, clear explanations, and access to top UK providers.
📞 Call us today for a friendly chat about your options.