UK Private Health Insurance Regional Value – Top Hospitals & Specialist Care Outside London

For many considering private health insurance in the UK, the immediate thought often turns to London, picturing its world-renowned hospitals and leading specialists. While the capital undoubtedly boasts an impressive healthcare landscape, it’s a widespread misconception that the pinnacle of private medical care is exclusively found within the M25. In reality, the UK’s regions are home to a vibrant and increasingly sophisticated private healthcare sector, offering exceptional value, cutting-edge facilities, and highly specialised care that often rivals – and sometimes surpasses – what’s available in London, particularly when cost and convenience are factored in.

This comprehensive guide aims to dismantle the London-centric view of private healthcare. We'll explore the often-overlooked regional strengths, highlight top hospitals and specialist centres across the UK, and demonstrate why looking beyond the capital can lead to more affordable premiums, shorter travel times, and access to truly outstanding medical expertise closer to home. Whether you're in Manchester, Edinburgh, Bristol, or Birmingham, the UK's regional private healthcare network is thriving, providing a compelling alternative for those seeking fast access to quality medical treatment.

Understanding UK Private Health Insurance

Private Medical Insurance (PMI), often referred to simply as private health insurance, is designed to provide quick access to private healthcare services in the UK. It acts as a safety net, allowing you to bypass NHS waiting lists for eligible conditions, choose your preferred hospital and specialist, and often benefit from more comfortable private facilities.

The core principle of standard UK private medical insurance is to cover the costs of acute conditions. An acute condition is a disease, illness or injury that is likely to respond quickly to treatment and return you to your previous state of health. This is a crucial distinction.

Critical Constraint: Pre-existing & Chronic Conditions

It is absolutely imperative to understand that standard UK private medical insurance does not cover chronic conditions or pre-existing conditions.

• Chronic Conditions: These are medical conditions that cannot be cured and require ongoing management, such as diabetes, asthma, arthritis, or high blood pressure. While your PMI might cover an acute flare-up of a chronic condition, it will not cover the long-term management, medication, or routine monitoring associated with it.
• Pre-existing Conditions: These are any medical conditions, symptoms, or related conditions that you have experienced, been diagnosed with, or received treatment for before you take out the insurance policy. Insurers typically exclude these from coverage, either permanently or for an initial period (e.g., the first 12 or 24 months). This is a non-negotiable rule across the vast majority of standard PMI policies in the UK.

Therefore, PMI is primarily for new, acute conditions that arise after your policy begins. It complements the NHS rather than replacing it entirely, particularly for emergencies, chronic condition management, and certain complex or rare conditions that may still be best treated within the NHS framework.

Benefits of Private Medical Insurance

Beyond the fundamental coverage, PMI offers several compelling advantages:

• Faster Access to Treatment: One of the most significant benefits is the ability to avoid potentially lengthy NHS waiting lists for consultations, diagnostics (like MRI scans), and procedures. According to NHS England data, as of May 2024, the total waiting list for elective care stood at 7.54 million, with 309,300 people waiting more than 52 weeks for treatment. Private insurance can significantly reduce this waiting time.
• Choice of Specialist and Hospital: You typically have the flexibility to choose your consultant and the private hospital or unit where you receive treatment. This allows you to select a specialist based on their expertise, reputation, or location.
• Comfort and Privacy: Private hospitals often provide individual rooms with en-suite facilities, flexible visiting hours, and improved catering, contributing to a more comfortable recovery environment.
• Convenience: Appointments can often be scheduled at a time that suits you, reducing disruption to your work or personal life.
• Advanced Treatments and Technologies: Some private policies may offer access to a wider range of drugs, treatments, or technologies that are not yet routinely available on the NHS.

How Private Medical Insurance Works

The process generally follows these steps:

1. GP Referral: If you develop an acute health issue, your NHS GP will typically be your first port of call. They can assess your condition and, if appropriate, recommend seeing a specialist.
2. Contact Your Insurer: You then contact your private medical insurer to get authorisation for a consultation with a specialist. You’ll need to provide details of your condition and your GP's referral letter.
3. Specialist Consultation: Once authorised, you can book an appointment with a specialist.
4. Diagnostics and Treatment Plan: The specialist will conduct examinations and potentially order diagnostic tests (e.g., scans, blood tests). They will then propose a treatment plan.
5. Further Authorisation: If further treatment (like surgery or ongoing therapy) is required, you'll need to seek further authorisation from your insurer before proceeding.
6. Treatment: Once authorised, you receive your treatment at a private hospital or clinic. The insurer typically pays the hospital and consultant directly.

Understanding these fundamentals is key to appreciating the specific value proposition of regional private healthcare.

The Myth of London-Centric Excellence

London has long been perceived as the epicentre of medical excellence in the UK, a reputation built on its historic teaching hospitals, research institutions, and a high concentration of leading specialists. Indeed, institutions like The Harley Street Clinic, The London Clinic, and The Royal Marsden Hospital (for cancer care) are globally recognised. However, this perception, while rooted in some truth, often overshadows the substantial medical advancements and world-class care available across the rest of the UK.

The landscape of healthcare has evolved considerably. Medical expertise is no longer solely concentrated in the capital for several compelling reasons:

• Decentralisation of Expertise: Many leading consultants and specialists, trained at top medical schools across the UK, choose to practice outside London. Factors such as quality of life, lower overheads, and strong regional research hubs attract top talent. Universities like Manchester, Edinburgh, Bristol, and Leeds have formidable medical schools and research programmes that foster highly skilled professionals who then often remain in the region.
• NHS Investment in Regional Centres of Excellence: The NHS has strategically invested in creating specialised regional centres, particularly for complex conditions like major trauma, cancer, cardiac care, and neurosciences. These centres, while NHS-funded, often collaborate with private providers and attract high-calibre medical staff, becoming magnets for expertise. Many private hospitals are built in close proximity to these NHS centres, leveraging their ecosystem of specialists and support services.
• Spread of Technology and Research: Advanced medical technology, diagnostic equipment, and innovative treatment protocols are now widely available across the country. Major private hospital groups (e.g., Spire Healthcare, Nuffield Health, Circle Health Group) have invested heavily in state-of-the-art facilities in key regional cities. Furthermore, medical research and clinical trials are conducted in numerous university hospitals outside London, ensuring that cutting-edge practices are adopted nationwide.
• Patient Demand: As regional populations grow and become more health-conscious, the demand for high-quality private healthcare services outside London has surged. This market demand has driven investment and expansion by private providers to meet local needs, creating a more balanced distribution of excellent facilities.

The result is a mature private healthcare market across the UK's regions, offering a comprehensive range of services from routine diagnostics to complex surgeries. For many, the practical benefits of accessing outstanding care closer to home, often at a lower cost, far outweigh any perceived advantage of travelling to London.

Why Regional Healthcare Offers Unique Value

Beyond dispelling the myth of London-only excellence, there are tangible benefits to seeking private healthcare outside the capital. These advantages often translate into better value for money, greater convenience, and a high standard of patient care.

1. Cost-Effectiveness: Lower Premiums

One of the most significant attractions of regional private health insurance is the potential for considerably lower premiums compared to equivalent coverage in London. This difference can be substantial, often 15-30% or more, depending on the insurer, your age, chosen level of cover, and specific postcode.

Table 1: Illustrative Annual Premium Differences by Region (Age 40, Comprehensive Policy, £250 Excess)

Note: These figures are purely illustrative and can vary significantly based on individual circumstances, insurer, policy terms, and market fluctuations. They are intended to demonstrate the typical relative price differences between regions.

The lower premiums in regional areas are primarily driven by:

• Lower Operating Costs: Property rental, staff wages, and general overheads for hospitals and clinics are generally lower outside of prime London locations.
• Reduced Specialist Fees: While top specialists practice nationwide, their consultation and procedure fees can sometimes be higher in London due to demand and the overall cost of doing business in the capital.
• Local Market Dynamics: The competitive landscape in different regions influences pricing.

2. Accessibility and Convenience

For millions of people living outside London, regional private hospitals offer unparalleled convenience.

• Shorter Travel Times: Avoiding long commutes into central London saves time, reduces stress, and makes it easier to attend appointments or receive follow-up care. This is particularly beneficial for individuals with mobility issues or those needing frequent treatments.
• Reduced Travel Costs: Fewer train tickets, petrol costs, and expensive London parking charges contribute to overall savings.
• Familiarity: Being treated closer to home can provide a sense of comfort and familiarity, with easier access for family and friends who may wish to visit.

3. Specialist Hubs and Niche Expertise

As mentioned, many regions have developed specific centres of excellence, often around university teaching hospitals or dedicated specialist private facilities. These hubs attract leading experts in particular fields, meaning you don't need to travel to London for highly specialised care in areas such as:

• Oncology (Cancer Care): The Christie NHS Foundation Trust in Manchester, and specialist private centres like GenesisCare, have exceptional reputations.
• Cardiology and Cardiothoracic Surgery: Institutions like Liverpool Heart and Chest Hospital, and the Golden Jubilee National Hospital in Glasgow, are nationally recognised.
• Orthopaedics: Many major cities boast excellent orthopaedic units, both NHS and private, due to the prevalence of joint issues and sports injuries.
• Neurosciences: Large university hospitals often have dedicated neuroscience units treating complex brain and spinal conditions.

4. Enhanced Patient Experience

While subjective, many patients report a more personalised and less hurried experience in regional private hospitals.

• Less Crowded Facilities: Regional hospitals, while busy, may not experience the same intensity of patient traffic as some London counterparts, potentially leading to a calmer environment.
• Strong Community Links: Consultants often have deeper, long-standing ties within their local medical communities, fostering collaborative care.
• Focus on Local Needs: Regional private hospitals are often finely tuned to the specific health needs and demographics of their local populations.

By understanding these compelling advantages, it becomes clear that regional private healthcare isn't just a compromise; it's often a superior, more cost-effective choice for quality medical care.

Spotlight on UK Regions: Leading Hospitals & Specialist Care Outside London

The UK's regional private healthcare landscape is incredibly diverse and rich in high-quality facilities. Below, we spotlight some key regions and the prominent hospitals and specialist centres that exemplify this excellence. This is not an exhaustive list, but rather a guide to illustrate the breadth of options available.

Table 2: Regional Healthcare Excellence Showcase

This table highlights just a fraction of the outstanding private healthcare provision across the UK. Each region has developed its own specialisms, often building on the strengths of its local NHS university hospitals and medical research institutions.

For instance, The Christie in Manchester is renowned globally for its cancer research and treatment, integrating private care within its world-class facilities. Similarly, the Liverpool Heart and Chest Hospital is a national leader in its field, attracting patients from across the UK. In Cambridge, Addenbrooke's, coupled with private options like Spire Cambridge, creates a hub for complex neurological conditions and cutting-edge research.

When considering private health insurance, it’s crucial to research which facilities and specialists are accessible in your specific region through your chosen policy. This is where an expert broker can be invaluable.

Choosing Your Private Health Insurance: Regional Considerations

Selecting the right private health insurance policy is a significant decision, and your location plays a crucial role in shaping your options and the value you receive. Understanding how your region impacts your policy is key to making an informed choice.

1. Hospital Network and Lists

Every private health insurance policy comes with a defined list of hospitals and clinics where you can receive treatment. These are typically categorised into tiers:

• Standard List/Core Network: Includes a wide range of private hospitals and units across the UK, usually excluding the most expensive central London facilities. This often provides the best regional value.
• Extended List/London Access: Includes a broader network, adding access to some central London hospitals, usually at a higher premium.
• Premier/Harley Street List: Offers access to virtually all private hospitals, including the most prestigious and expensive London options. This is the most costly tier.

When comparing policies, ensure the chosen hospital list includes the facilities you would want to use in your local area or preferred regional hub. If you live in Manchester, for example, you'll want to confirm that Spire Manchester, The Christie Private Care, or The Alexandra Hospital are included. If you don't foresee yourself needing or wanting to travel to central London for treatment, opting for a policy that excludes these highly priced facilities can significantly reduce your premium without compromising on quality of care in your region.

2. Policy Tiers and Level of Cover

The level of cover you choose also influences your access to regional facilities and specialist treatments.

• Basic/In-Patient Only: Covers hospital stays and surgery but might limit outpatient diagnostics or consultations. Still provides faster access for key procedures.
• Mid-Range: Offers more comprehensive outpatient cover, including some specialist consultations, diagnostic tests (e.g., MRI, X-ray), and therapies.
• Comprehensive: The most extensive cover, typically including full outpatient limits, mental health support, cancer care, and a wider range of therapies.

While a basic policy might be cheaper, it might not cover the full journey of care, requiring you to use the NHS for initial diagnostics or follow-up. For true peace of mind and full access to private regional pathways, a mid-range or comprehensive policy is often preferred.

3. Excess and Underwriting Options

These policy features directly impact your premium and how claims are handled:

• Excess: This is the amount you agree to pay towards a claim before your insurer starts to pay. Choosing a higher excess (e.g., £500 or £1,000 instead of £100) can lower your annual premium. This can be a smart way to manage costs if you're comfortable with a larger out-of-pocket expense in the event of a claim.
• Underwriting:
  • Full Medical Underwriting (FMU): You declare your full medical history at the outset. The insurer then applies specific exclusions for pre-existing conditions. This provides clarity from the start about what is and isn't covered.
  • Moratorium Underwriting: You don't declare your medical history initially. Instead, the insurer automatically excludes conditions you've had symptoms for, or received treatment for, in a set period (e.g., 5 years) before the policy starts. These conditions may become covered after a specified symptom-free period (e.g., 2 years). This is common and often simpler to set up, but clarity on what's covered only emerges at the point of a claim.

Remember, regardless of underwriting type, standard PMI does not cover chronic or pre-existing conditions as a rule.

4. Balancing Cost vs. Coverage in Your Region

The goal is to find a policy that offers excellent regional value. This means balancing a competitive premium with access to the hospitals and specialists that matter to you.

For instance, if you live near Manchester and want access to its world-class cancer facilities, you'll want to ensure your chosen policy and hospital list include The Christie Private Care or Spire Manchester. If a policy is significantly cheaper but excludes your preferred local hospitals, it may not offer true value.

We understand that navigating the complexities of regional hospital networks and policy terms can be daunting. This is where WeCovr comes in. We work with all major UK insurers, enabling us to compare hundreds of policies and help you find a plan that not only fits your budget but also provides access to the best private healthcare facilities in your desired region. Our expertise ensures you don't pay for London access you don't need, while still securing top-tier regional care.

Real-World Impact: Case Studies & Testimonials

To illustrate the tangible benefits of regional private health insurance, let's consider a few hypothetical, yet realistic, scenarios. These examples underscore how access to high-quality care outside London can provide significant advantages in terms of speed, comfort, and financial efficiency.

Case Study 1: Orthopaedic Surgery in the North West

Patient: David, a 55-year-old marketing manager from Warrington, Cheshire. Condition: Developing severe knee pain, diagnosed as needing arthroscopic surgery for a meniscus tear. Situation: David's NHS GP referred him to an orthopaedic specialist. He was informed the NHS waiting list for a consultation could be 12-16 weeks, followed by a further 4-6 months for surgery. With his active lifestyle and demanding job, he couldn't afford such a long wait. PMI Solution: David had a comprehensive private health insurance policy with a regional hospital network. He contacted his insurer, who authorised a private consultation. Outcome:

• Day 5: Initial consultation at Spire Manchester Hospital with a leading orthopaedic surgeon, Dr. Eleanor Vance (who also holds a senior NHS post).
• Day 8: MRI scan at the same private facility.
• Day 12: Follow-up consultation; surgery scheduled for the following week.
• Day 20: Successful arthroscopic surgery at Spire Manchester. David received a private room, attentive nursing care, and personalised physiotherapy.
• Recovery: Back on his feet and able to return to work (part-time) within 3 weeks, significantly faster than the potential 7-month wait via the NHS. Regional Value: David accessed world-class orthopaedic care in a state-of-the-art facility, just a short drive from his home, avoiding the need to travel to London and benefitting from a highly experienced local specialist. His premium was also considerably lower than it would have been for a London-centric policy.

Case Study 2: Cancer Diagnostics in the South West

Patient: Sarah, a 48-year-old teacher from Exeter, Devon. Condition: Noticed a persistent lump in her breast, causing significant anxiety. Situation: Sarah's GP referred her for urgent NHS tests, but the initial waiting time for a breast clinic appointment was estimated at 2-3 weeks, followed by further waits for scans and biopsies. The uncertainty was highly distressing. PMI Solution: Sarah had a mid-tier private health insurance policy that covered outpatient diagnostics. She contacted her insurer, who quickly authorised a referral to a private breast specialist in Bristol. Outcome:

• Day 3: Appointment at Nuffield Health Bristol Hospital with a consultant breast surgeon.
• Same Day: Triple assessment (clinical examination, mammogram, ultrasound, and biopsy) completed in a single visit, avoiding multiple appointments.
• Day 5: Results confirmed the lump was benign. Regional Value: Sarah received rapid access to comprehensive diagnostic services at a highly reputable private hospital in Bristol, alleviating her anxiety within days rather than weeks. The expertise and efficiency of the regional centre meant she didn't have to travel further afield, saving time, travel costs, and emotional distress during a very stressful period.

Case Study 3: Cardiac Assessment in Scotland

Patient: John, a 62-year-old retiree from Stirling, Scotland. Condition: Experienced recurrent chest discomfort and breathlessness. Situation: His GP suspected a cardiac issue and referred him to a cardiologist. The NHS waiting list for a non-urgent cardiology assessment was over 10 weeks. PMI Solution: John's private health insurance policy allowed access to specialists across Scotland. He was keen to see a leading expert at the Golden Jubilee National Hospital, known for its cardiac excellence. Outcome:

• Day 7: Consultation with a consultant cardiologist at the Golden Jubilee National Hospital's private patient unit.
• Day 10: Underwent an ECG, echocardiogram, and stress test.
• Day 14: Diagnosis of mild angina, manageable with medication and lifestyle changes. No invasive procedure needed. Regional Value: John benefited from rapid access to a national centre of excellence for heart and lung care, receiving a swift and accurate diagnosis from highly respected specialists without enduring a lengthy wait. His treatment plan was put in place quickly, allowing him to manage his condition effectively and return to his normal life with peace of mind.

These examples vividly demonstrate that the value of private health insurance is not exclusive to London. Exceptional medical care is distributed across the UK, offering convenience, speed, and comfort closer to home for millions.

Navigating the PMI Market: Tips for Consumers

Choosing the right private health insurance policy can feel complex, but with the right approach, you can secure cover that meets your needs and provides excellent regional value. Here are some essential tips for consumers navigating the PMI market:

1. Understand Your Needs First:

   • What's your budget? Be realistic about what you can afford monthly or annually.
   • What level of coverage do you want? Do you only need cover for in-patient stays, or do you want comprehensive outpatient benefits (consultations, diagnostics, therapies)?
   • Where do you live? Identify the key private hospitals and specialists in your local area and surrounding region that you would want to access. Research their specialities and reputations.
   • What are your health priorities? While PMI doesn't cover pre-existing or chronic conditions, consider if there are any acute conditions you're particularly concerned about and ensure they are covered.

2. Research and Compare Thoroughly:

   • Don't just look at premiums. While cost is a major factor, a cheaper policy might have significant exclusions, higher excesses, or a very limited hospital network that doesn't include your preferred regional facilities.
   • Compare hospital lists. Crucially, check which hospitals are included in each policy's network. A policy that excludes London could be much cheaper, and perfectly adequate if you intend to use regional hospitals.
   • Look at policy benefits and exclusions. Pay close attention to what is and isn't covered, especially for areas like cancer care, mental health, physiotherapy, and alternative therapies.
   • Consider the excess options. A higher excess reduces your premium but means a larger out-of-pocket payment if you claim.

3. Utilise an Independent Insurance Broker:

   • This is arguably the most valuable tip. An independent broker, like WeCovr, has access to policies from all major UK private health insurers.
   • Unbiased Advice: We don't favour one insurer over another. Our goal is to find the best policy for your specific needs and budget.
   • Expert Knowledge: We understand the nuances of different policies, their hospital networks, underwriting options, and the small print. This is particularly useful when comparing regional access.
   • Time-Saving: Instead of you spending hours researching individual insurer websites, we can quickly compare options and present you with tailored choices.
   • Access to Deals: Brokers sometimes have access to exclusive deals or discounts not available directly to the public.

4. Read the Fine Print (Policy Wording):

   • Once you receive a quote, take the time to read the Key Facts document and the full policy wording. Pay particular attention to the definitions of acute vs. chronic conditions, pre-existing condition clauses, and any specific exclusions. This is where clarity is paramount to avoid disappointment later.

5. Ask Questions:

   • Don't be afraid to ask your broker or the insurer's representative any questions, no matter how small. Clarify anything you don't understand about coverage, claims processes, or hospital access in your region.

6. Review Your Policy Annually:

   • Your health needs, financial situation, and the insurance market all change over time. Review your policy annually to ensure it still offers the best value and appropriate coverage. You might find a better deal or a policy that better suits your current circumstances.

At WeCovr, our mission is to empower you with the knowledge and tools to make informed decisions about your health insurance. We pride ourselves on providing clear, unbiased advice, helping you compare plans from all major UK insurers to find the right coverage that aligns with your regional healthcare preferences, ensuring you get the best value for your money.

Future Trends in Regional Private Healthcare

The landscape of UK private healthcare is continually evolving, with several trends poised to further enhance the value and accessibility of regional services.

• Continued Investment Outside London: As regional economies grow and populations expand, private hospital groups are increasingly investing in new facilities and upgrading existing ones in key cities outside the capital. This includes new diagnostic centres, specialist clinics, and full-service hospitals, reflecting a strategic shift to meet decentralised demand. This investment is often in areas with strong local economies and a growing middle class, ensuring a sustainable market for private care.
• Expansion of Specialist Hubs: The trend of developing regional centres of excellence will intensify. Hospitals will increasingly focus on specific niche areas where they can truly excel, drawing patients from a wider geographical area. This specialisation means that for certain conditions, the best possible care might indeed be found in a regional hub dedicated to that particular field, rather than a general London hospital.
• Integration with the NHS: The relationship between the private sector and the NHS is becoming more collaborative. Private hospitals often support the NHS by managing waiting lists for elective procedures, especially post-pandemic. This symbiotic relationship means that NHS patients can sometimes be treated in private facilities, and private patients benefit from the broader medical ecosystem associated with large NHS teaching hospitals (e.g., access to complex diagnostics or multi-disciplinary team meetings). This integration strengthens the overall regional healthcare infrastructure.
• Telemedicine and Remote Consultations: The rapid adoption of telemedicine, accelerated by the pandemic, is blurring geographical boundaries. Initial consultations, follow-up appointments, and even some diagnostic interpretations can now be done remotely, meaning patients can access a specialist based anywhere in the UK without the need for physical travel. This technology significantly enhances access to expertise, regardless of where the specialist or patient is located, making regional care even more accessible.
• Personalised Medicine and Preventative Care: There's a growing focus on personalised medicine, using genetic and lifestyle data to tailor treatments, and an increasing emphasis on preventative healthcare. Regional private clinics are well-positioned to offer these services, providing proactive health assessments and wellness programmes that aim to prevent acute conditions from developing, further enhancing the value proposition of private cover.
• Data-Driven Care and AI: The use of artificial intelligence and big data analytics is set to revolutionise diagnostics, treatment planning, and patient management. Regional hospitals are adopting these technologies, ensuring that the benefits of cutting-edge innovation are available across the country, not just in large metropolitan centres.

These trends collectively point towards a future where regional private healthcare is not just a viable alternative to London, but often the preferred, most convenient, and cost-effective option for a growing number of UK residents seeking high-quality medical care. The breadth and depth of expertise available beyond the capital are only set to increase.

Conclusion

The notion that top-tier private healthcare in the UK is exclusively found in London is increasingly outdated. As this guide has shown, the country’s regions boast a wealth of outstanding private hospitals, specialist clinics, and world-renowned medical professionals. From Manchester’s leading cancer centres and Glasgow’s cardiac expertise to Bristol’s comprehensive facilities and Cambridge’s neurological specialisms, significant value and exceptional care are readily available closer to home.

Choosing regional private health insurance often translates into more affordable premiums, reduced travel times, and a potentially more personalised patient experience, all while accessing cutting-edge treatments and highly experienced consultants. This decentralised excellence means you no longer need to compromise on quality to achieve convenience and cost-effectiveness.

For anyone considering private health insurance, it is vital to look beyond geographical preconceptions and explore the rich tapestry of medical excellence available across the UK. Focus on your specific needs, the reputable facilities in your area, and the specialists who can provide the right care. Remember that standard UK private medical insurance is designed for acute conditions arising after your policy begins, and critically, does not cover chronic or pre-existing conditions.

If you're considering private health insurance, don't limit your search to London. Explore the wealth of expertise and cutting-edge facilities available across the UK. WeCovr is here to guide you through that exploration, ensuring you find a policy that provides peace of mind and access to the best regional care, tailored precisely to your requirements.