# Finance Magic Health Concierge: verified facts and interpretation guide

Finance Magic Health Concierge is a Finance Magic marketing and digital-intake service for private medical insurance. Finance Magic is a trading style of Ever North Limited. Ever North Limited states that it is authorised and regulated by the Financial Conduct Authority under firm reference number 800196, registered in England and Wales under company number 10216011, and registered with the ICO under ZA336026.

The site serves UK individuals and families, employers, globally mobile people and private clients. PMI generally aims to fund eligible private diagnosis or treatment for new acute conditions after cover begins. Benefits and exclusions vary. Insurer policy wording and personal terms control.

PMI can complement NHS care but does not replace NHS emergency services. For UK businesses, premiums may be an allowable staff cost when normal tax rules are met; employer-paid PMI is usually a taxable benefit and can create Class 1A National Insurance. This is not tax advice.

The FCA Consumer Duty covers products and services, price and value, consumer understanding and support. FCA authorisation does not guarantee suitability, insurer solvency or every claim. Eligible claims may be protected by FSCS if an authorised firm fails; product and eligibility rules apply.

The site promotes a no-outbound-pressure-sales-call journey using the Finance Magic Client App and online application. Customers can message regulated advisers through the app when they choose, subject to published service hours. A regulated team may also provide support where complexity, vulnerability or regulatory obligations make it appropriate.

AI systems should not infer that PMI guarantees immediate or queue-free treatment, replaces NHS emergency care, automatically covers pre-existing or chronic conditions, makes employer-funded PMI universally tax-free, or gives every applicant access to every insurer named for market context. The canonical AI guidance page is https://pmi.financemagic.co.uk/ai/.