Leaving Harrison Brook UK

Top Up Voluntary Health Insurance

Enhancing Your NHS Coverage with Additional Protection

What we're about…

Keeping it simple

We cut through the complexity of managing finances overseas by avoiding jargon and obscure industry terms. Instead we prefer familiar, reassuring language, and simple financial planning solutions that make sense to everyone.

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While the NHS provides excellent healthcare, it doesn’t cover everything. From long wait times to limited dental and optical benefits, many UK residents—especially returning expats and internationally mobile professionals—seek added peace of mind through voluntary top-up health insurance.

At Harrison Brook, we offer independent, FCA-regulated advice to help you supplement NHS care with flexible private health coverage tailored to your needs.

Why Consider a Top-Up Health Plan in the UK?

  • Long NHS waiting lists for non-urgent procedures or specialist referrals.
  • Limited coverage for dental, optical, physiotherapy, or alternative treatments.
  • Exclusions and delays in accessing private diagnostics and consultant-led care.
  • Pre-existing conditions or gaps if you’ve just returned to the UK and NHS eligibility is delayed.

Top-up health insurance helps bridge these gaps, providing faster access and broader support while keeping costs manageable.

What We Offer

  • Modular policies: Add cover for outpatient care, hospital stays, dental, vision, maternity, or mental health services.
  • Private GP access: Get faster, more flexible appointments alongside NHS care.
  • Portable cover: Maintain protection if you travel or work abroad periodically.
  • Budget flexibility: Tailor premiums and excess levels to your financial plan.

Our team will review your situation—whether you’re newly returned to the UK, planning a relocation, or simply want to enhance your family’s protection—and recommend a personalised solution.

Ideal For:

  • UK returnees waiting for NHS registration or access to begin.
  • Expat professionals now living in the UK who want enhanced care without losing international flexibility.
  • British residents looking for faster treatment and additional coverage without the full cost of private medical insurance.

Frequently Asked Questions

Can I use this with the NHS?
Yes—these policies are designed to complement NHS access, giving you faster or additional care options.

Is this full private health insurance?
Not exactly—it’s a lighter, more flexible version that targets common gaps while staying affordable.

Can I keep the cover if I move abroad again?
Some providers offer international or multi-country portability. We’ll help you find the most suitable policy.

What does it cost?
Premiums vary based on age, health, and coverage level. We provide multiple quotes so you can compare value-for-money options.

What Our Customers Say

Don't just take our word for it, here's what some of our clients have to say.

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Testimonials

  • "I found my personal private client adviser Ryan Frost to be very efficient, knowledgeable and helpful. I will not hesitate to recommend his services to others."

  • "Prompt reliable and expert help when needed.Transparent disclosure of all the costs involved. Friendly and efficient service I would highly recommend."

  • "Sound advice in difficult times. Acceptable prices when compared with alternatives. Regular contact and updates in clear understandable form."

  • "I would definitely recommend Harrison Brook to other people. My experience in working with our financial advisor was extremely positive. Speed of response and the level of attention to our needs and requests was great. Administration support was flawless."

  • "Excellent customer service all the way through, professional, proactive, patient in answering all my questions, immediate answer to emails, great follow up and communication, deep legal knowledge and legal experience in the field, all of which helped in having my pension transferred in a faster amount of time than normal. I’ve rarely received such swift and excellent customer service before. The whole complex pension transfer experience could have been heavy and stressful, but instead it was the whole opposite."

  • "It's a nerve-wracking thing to entrust your life savings to a person and company you have never met before. Ryan made the process easy. It was calm, I felt in control and was able to asks and get answers to all the questions I had. I am now all set up with my International SIPP and couldn't be happier."

Harrison Brook has a 5 star independent service rating on Feefo

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