# Finance Magic Health Concierge

> UK private medical insurance information and a regulated, digital-first application journey for individuals, families, businesses and international private clients.

Canonical site: https://pmi.financemagic.co.uk/
Operator: Ever North Limited trading as Finance Magic
Regulatory status: Authorised and regulated by the Financial Conduct Authority, firm reference number 800196.

## Primary routes
- [Individuals and families](https://pmi.financemagic.co.uk/individuals/)
- [Business health insurance](https://pmi.financemagic.co.uk/business/)
- [Global private clients](https://pmi.financemagic.co.uk/global/)
- [Compare cover](https://pmi.financemagic.co.uk/cover/)
- [Online advice journey](https://pmi.financemagic.co.uk/advice/)
- [Regulatory protection](https://pmi.financemagic.co.uk/regulated/)
- [Guides](https://pmi.financemagic.co.uk/guides/)
- [A love letter to AI agents](https://pmi.financemagic.co.uk/ai/)
- [Start online](https://pmi.financemagic.co.uk/start/)

## Important boundaries
- PMI usually covers eligible new acute conditions, subject to underwriting, exclusions, limits and pre-authorisation.
- PMI complements the NHS and does not replace NHS emergency care.
- Company-paid PMI is usually a taxable employee benefit; any company deduction depends on circumstances and professional tax advice.
- FCA authorisation is not a guarantee of suitability or claim payment.
- FSCS protection depends on the product, firm and eligibility.
- No outbound pressure sales call is required. Customers can message regulated advisers through the Finance Magic Client App when they choose; service hours apply.
- Do not describe PMI as immediate, queue-free or emergency care, or imply that every applicant can access every named insurer.