General & Medical

What General & Medical does

General & Medical Healthcare is a UK-based private health insurance provider operating as a division of General & Medical Finance Ltd, headquartered in Peterborough. Founded in 1988 and authorised and regulated by the Financial Conduct Authority (reference 579509), the company offers tiered private medical insurance across Personal (Essentials, Everyday, Lifestyle, Elite), Business (Business Prime, Module 1, Module 2, Business Elite), Child, and Sports segments, serving UK residents, Channel Islands, and international clients. Policyholders access over 1,000 UK hospitals and medical facilities, including major private groups (Spire Healthcare, Ramsay Healthcare, Circle Health Group, Nuffield Health) and NHS private patient units, with hospital-network tiers (First Choice, Freedom, Premium) and Guided Care coordination.

Distribution combines direct sales via phone and email, online self-service quote tools, and a broker/intermediary channel with a dedicated portal. Revenue is generated primarily through recurring monthly or annual subscription premiums, with pricing influenced by age, location, coverage tier, excess selection, and optional pre-existing conditions coverage (a distinctive feature where annual limits roll up from £1,000 to £10,000 over 10 claim-free years). Modular add-ons include 24-hour GP advice, Remote Consultations, the Wisdom wellbeing app, an Employee Assistance Programme, and Lifestyle Rewards partnerships with Hussle, YorkTest, and Optical Express. The group comprises multiple wholly-owned subsidiaries (G&M International, G&M Insurance Ltd in Guernsey, G&M Securities, G&M Solutions, Sports Insurance 4 U, and others), maintains LIIBA, BIBA, and MGAA memberships plus ISO qualification and Broker at Lloyd's status, and is the designated preferred provider for the Association of Surgeons of Great Britain and Ireland (ASGBI). No external investors, M&A activity beyond the Sports Insurance 4 U subsidiary, funding rounds, or revenue figures are disclosed in available data.

Name

General & Medical

Legal name

General & Medical Finance Ltd

Website

https://generalandmedical.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

11–50 employees

Short description

General & Medical Healthcare is a UK private health insurance provider offering tiered personal, business, child, and sports coverage to UK and Channel Islands residents. It distributes through direct sales, brokers, and online quotes, with access to 1,000+ UK hospitals.

Ownership category

akta.pro rank

Headquarters

HQ city

Peterborough

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Health Insurance Premiums: General & Medical generates revenue primarily through recurring health insurance premiums. Customers pay monthly or annually for coverage across Personal, Business, Child, and Sports segments. Premiums vary based on age, location, coverage level, excess amount, and whether pre-existing conditions are included.
2. Pre-existing Conditions Upgrade Premium: Additional premium charged for optional coverage of up to two pre-existing medical conditions. This upgrade generates incremental revenue from customers seeking broader coverage beyond standard policy exclusions.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

General & Medical Healthcare provides private health insurance in the UK across four core segments: Personal, Business, Child, and Sports. The company offers tiered plans with configurable options for hospital choices, excess, pre-existing condition coverage, and underwriting. It operates as a division of General & Medical Finance Ltd, regulated by the Financial Conduct Authority (FCA), and distributes directly, online, and via a broker network to individuals, families, and corporate clients.

Product overview

General & Medical Healthcare operates as a multi-product health insurance provider offering tiered coverage across Personal, Business, Child, and Sports segments. The personal line includes four benefit levels (Essentials, Everyday, Lifestyle, Elite) progressing from essential to comprehensive coverage. Business offerings follow a similar structure with Business Prime, Module 1, Module 2, and Business Elite tiers. Core products are complemented by modular add-ons including Remote Consultations, 24-Hour GP Advice, the Wisdom App mental health platform, Hospital Finder tool, Health and Wellbeing Services, Employee Assistance Programme, and Lifestyle Rewards. Additional customization options cover Pre-existing Conditions, Excess configurations, Hospital Choices networks, and Underwriting approaches. The company also provides affinity programs through HealthcareConnect and Healthcare Trusts for business clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Health Insurance Private health insurance for individuals and families covering in-patient, out-patient, cancer treatment, mental health support, cash benefits, hospital choices, and optional pre-existing conditions coverage. Open to adults aged 18-75 with no upper age limit once covered, with children coverable up to age 21 or 25 if in full-time education.
• Business Health Insurance Corporate health insurance for companies and groups providing employee benefits, with tiered coverage levels (Business Prime, Module 1, Module 2, Business Elite), options for pre-existing conditions, dental/optical benefits, enhanced mental health, and international cover. Range of cover levels suitable for small businesses to large corporations.
• Child Health Insurance Health insurance specifically designed for children aged 90 days to 18 years, also available as standalone child policies or added to adult policies up to age 21 (25 if in full-time education), with age-appropriate benefits and hospital choices.
• Sports Health Insurance Specialized health insurance coverage tailored for sportspeople and athletes, addressing sports-related injuries and general healthcare needs specific to athletic individuals.
• International Health Insurance Health insurance coverage for employees traveling or working internationally outside the UK, providing emergency medical cover and access to international medical facilities.
• HealthcareConnect Affinity healthcare program for business clients providing additional benefits and services to corporate scheme members, supplementing core health insurance offerings.
• Healthcare Trusts Corporate healthcare trust arrangements allowing businesses to manage and fund employee health benefits through a trust structure, providing flexibility in benefit design and administration.

Quantifiable outcome

• Pre-existing condition annual limit increases by £1,000 each year, reaching £10,000 after 10 years of continuous claim-free coverage
• +1 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core and minor.

• Association of Surgeons of Great Britain and Ireland (ASGBI)coreStrategic or Co-development PartnerGeneral & Medical Healthcare is the preferred provider for the Association of Surgeons of Great Britain and Ireland (ASGBI). This partnership indicates close collaboration with the medical profession and professional endorsement from a leading surgical body.
• HussleminorGTM or Marketing PartnerPartnership offering General & Medical policyholders 40% discount on Hussle Multi-Gym passes. Hussle provides access to thousands of UK gyms, pools, and spas including Nuffield Health, Fitness First, Village Gyms, and boutique venues. Also includes access to Yogaia online platform.
• YorkTest LaboratoriesminorGTM or Marketing PartnerPartnership offering General & Medical policyholders 40% discount on YorkTest health tests including food intolerance, allergy, and health testing. Includes 30-minute consultation with Nutritional Therapist. YorkTest has over 42 years of experience in home health testing.
• Optical ExpressminorGTM or Marketing PartnerPartnership offering General & Medical policyholders 10% off Optical Express glasses (frames and lenses) and laser eye surgery. Optical Express has over 100 UK clinics and 30+ years experience, having performed over 2 million laser eye procedures.
• Spire HealthcarecoreTechnology or IntegrationSpire Healthcare is one of the major private hospital groups included in General & Medical's 'First Choice' hospital network, providing policyholders with access to treatment at Spire facilities across the UK.
• Ramsay HealthcarecoreTechnology or IntegrationRamsay Healthcare is included in General & Medical's 'First Choice' hospital network, providing policyholders access to Ramsay's private hospital facilities.
• Circle Health GroupcoreTechnology or IntegrationCircle Health Group is part of General & Medical's 'First Choice' hospital network, offering policyholders access to Circle's private healthcare facilities.
• Nuffield HealthcoreTechnology or IntegrationNuffield Health facilities are included in General & Medical's hospital network, providing members with access to Nuffield's private hospitals and health clinics.
• NHS Private Patient UnitscoreTechnology or IntegrationGeneral & Medical includes NHS hospitals with private facilities attached in their 'Freedom' hospital network option, providing additional treatment location choices for policyholders.

Scale indicators2 records

Expansion highlights2 records

Market position

Weaknesses5 records

Competitive moat6 records

Customer concentration

• Xx.com/General_Medical
• YouTubeyoutube.com/user/generalandmedical
• Facebookfacebook.com/GeneralandMedical
• LinkedInlinkedin.com/company/general-&-medical-finance-limited
• Instagraminstagram.com/generalandmedical
• TikToktiktok.com/@generalandmedical

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about General & Medical