The Financial Services Authority
The FSA is an independent watchdog that regulates financial service in the UK. It requires us to give you this document. Use this information to decide if our services are right for you. If unclear, ask an advisor.
Whose products do we offer?
As an independent intermediary, we are able to look market-wide to find the most appropriate policy to meet your requirements. We work with all respectable UK providers as well as a number of off shore providers.
Which service will we provide you with?
We specialise only in healthcare related insurance and schemes. We work with a number of other specialist brokers and would be happy to refer your details to them if helpful. Dependant on the cover you require; you may receive your benefit as either a service or as a financial payment. If unsure about the cover you require, we recommend you speak to an advisor on 0845 408 5444 or through our website.
What will you have to pay us for our service?
In most cases we earn a commission from the insurance company, however we can operate on a fee basis if preferred, and any fees will be disclosed and agreed before any work has been carried out. We do not handle clients’ money and therefore cannot accept payment on behalf of any service providers.
Who regulates us?
We are regulated in the UK by the Financial Services Authority (FSA) to advise and transact general insurance schemes and immediately related services. Certain services fall outside the remit of the FSA, when this occurs we will make sure you are aware of this.
The FSA can be contacted on 0845 606 1234 or www.fsa.gov.uk
Our Firm Regulated Number is 309077. If you contact the FSA regarding us, please quote this number.
Ownership
Essential Health Ltd is wholly owned by its Directors.
What to do if you have a complaint
If your complaint is directed toward Essential Health Ltd, please make your complaint known to the Managing Director at the address shown above. Your complaint will be acknowledged immediately and then acted upon as required. If your complaint is directed toward an insurance company or service provider, please bring it to the attention of a member of staff. We can then assist with ant complaint or issue you may have.
At the point of complaint or issue - we represent the interest of the client foremost and often find amicable resolution.
Are we covered by the Financial Services Compensation Scheme (FSCS) ?
Essential Health Ltd is covered by the Financial Services Compensation Scheme (FSCS), you will be informed of this at the point of raising a complaint or issue. Ask a member of staff for details...
Key Facts 
