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Essential Cover

Personal Protection Solutions

Your body is your business – and we understand the impact an injury or long-term illness will have not only to you and your business but also on your family.

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In partnership with:

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We have teamed up with specialist advisers, Newhomes, to give you access to a range of quality solutions that cover your health, income and family.

The team can help with:

Health Insurance

Your world revolves around your health, so protect it.

With Health Insurance, also called Private Medical Insurance, you can get fast access to private GP services.


You’re covered for a range of medical services, from diagnosis to treatment. You can avoid long wait times in public medical services and simply focus on getting better.

Benefits include (as standard):

  • Consultations and/or treatment with a specialist
  • Diagnostic tests
  • Hospital charges
  • Full cancer cover
  • Out-patient mental health treatment

(optional):

  • Dental and optical
  • Mental health upgrade – 28 days in or day-patient treatment
  • Other treatment and therapies including osteopathy, physiotherapy and chiropractic
  • Extended hospital list
  • Protected No Claim Discount

For more information, click here

Contact the team today

Did you know?

Did you know that, in the last 15 years, waiting times for hospital procedures have ballooned? As of June 2024, more than 300,000 people had waited for over a year for NHS treatment, and 1.75 million had been waiting for between six and 12 months, despite the promise that, for most procedures, treatment will start within 18 weeks.1 If you believe Private Medical Insurance is out of reach for you, it’s time to speak to us.

Contact the team today

Income Protection

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Imagine falling ill or getting injured and being unable to work for an extended period. How would you manage your bills, mortgage, or daily expenses? 

That’s where income protection insurance can be invaluable. It is a type of insurance that provides a regular income if you are unable to work due to illness or injury. This cover assists you in meeting essential living expenses, including mortgage or rent, bills, and food. It ensures a percentage of your monthly salary is paid for a set amount of time until you can return to work or retire, providing a necessary monthly payment to help you focus on recovering.

 

Benefits of Income Protection:

  • Safeguard your income
  • Peace of mind and financial security
  • Flexibility
  • Regular tax-free income
  • Focus on health and recovery
  • Extra support and advice
Contact the team today
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Critical illness

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A critical illness can be emotionally and financially overwhelming.

Critical illness cover is designed to provide a tax-free lump sum of money if you are diagnosed with a severe medical condition.

This cover could help pay your medical expenses, treatment costs, and additional financial responsibilities during your recovery period.

Contact the team today

Life insurance

A life insurance policy provides reassurance, knowing that your loved ones will be taken care of financially if the unthinkable happens.

It will pay your family a tax-free cash sum to help towards any financial commitments you have.

Benefits of Life Insurance:

  •  Help pay for funeral expenses.
  • Assist in paying off outstanding debts, such as a mortgage or car loan.
  •  Provide income for your family if they depend on you.
  • Cover toward your children’s educational costs.
  • Protect your family’s future.
Contact the team today
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Note: As with most health insurance products, FitPro Health Insurance is annually renewable and pre-existing conditions are excluded (unless we agree to cover them when underwriting your policy).

View T&C's

Why FitPro?

Yes, we are the UK leader in the provision of flexible insurance cover for fitness industry professionals like you. But FitPro is also widely recognised as the leading voice in the fitness industry. We fully understand the needs of fit pros and offer extensive education and support. Plus, the FitPro insurance scheme is underwritten by Aviva, the UK’s largest insurer – giving you true peace of mind.

You know you need insurance, so here’s the online application. Or if you’d prefer to chat on the phone please call us… we are a friendly bunch that know our stuff, and are all super happy to chat through your needs.

Contact us to get a quote
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Newhomes Mortgage Services

Is one of the UK’s leading mortgage and protection brokers. Our 28 years of experience ensures you’re in safe hands.

Our specialist protection advisors help customers safeguard their families and futures. We have access to a panel of top insurers to provide the most suitable cover for your individual needs. 

Our service is entirely free, and we never impose any charges. We can assist you in finding the right cover, providing you with peace of mind knowing your family is financially secure, regardless of life’s unexpected events.

Why Choose Newhomes

 Bespoke Advice: We dedicate time to understanding your specific needs and objectives and recommending the most appropriate protection solutions.

Competitive Deals: We’ll compare quotes from various insurance providers to secure cover that aligns with your budget and lifestyle.

Start-to-Finish Support: We’ll manage the entire process, from guiding you in selecting the right cover to completing your application.

We recognise that purchasing insurance can be complex. That’s why we’re here to support you at every step of the journey. 

Protection FAQs

What is health insurance?

Private health insurance covers the cost of private medical treatment for conditions. It allows you to choose when and where you receive treatment for a wide range of conditions and even minor everyday conditions.

What does health insurance cover?

Typical policies cover costs for private consultations, diagnostic tests, surgery, hospital stays, and eligible outpatient treatment. Coverage varies by policy, but often includes cancer care.

Enhance cover

Add to the core cover with these options, at an additional cost:

  • Dental and optical cover for routine dental, accidental dental injury and eye care expenses
  • Mental health treatment adding day patient and inpatient care to your core outpatient cover for acute mental health conditions
  • Extended hospital list increases the number of hospitals you can use, mostly in the Greater London area. This is instead of Expert Select, our core route to treatment or the standard Key hospital list
  • Other treatment and therapies such as GP-referred treatment to a physiotherapist, osteopath, chiropractor or acupuncturist
  • No claim discount protection – pay a small sum to help keep future premiums down

Reduce cover

Options that will reduce the cost of your health insurance:

  • The six-week option, cover starts if NHS treatment isn’t available within six weeks (We can’t offer this if you live in the Channel Islands or on the Isle of Man)
  • Increase the initial amount you pay towards the cost of a claim – choose from £100, £200, £500, £1,000, £3,000 or £5,000 (no more than once each member, every policy year)
  • Reduce the list of hospital lists you can choose from 
  • Reduced the amount of outpatient cover have, you can choose from £0 (no cover), £500 or £1,000, as well as removing certain outpatient benefits.

What is not covered by health insurance?

Typically, there are general exclusions found in most health insurance plans, these can include but are not limited to:

  • Chronic conditions.
  • Pre-existing conditions.
  • Drug or substance abuse.
  • Sex change.
  • Organ transplants.
  • Prescribed drugs.
  • Fertility treatment.
  • Cosmetic surgery or treatments.
  • Trial or experimental drugs or treatments.

Insurers do not typically pay for treatment towards chronic conditions. However, they may provide cover if there is an acute flare up of the condition.

Does health insurance cover pre-existing medical conditions?

Most health insurance plans are not designed to cover pre-existing medical conditions. Pre-existent conditions are illnesses for which you had symptoms, consultations, medication, surgery or other treatment in the past.

You can still get private medical cover with a pre-existing condition – you just won’t be able to make a claim for any care relating to that condition. Instead, you will need to carry on seeking treatment from the NHS for your pre-existing medical condition.

Will I need a medical?

No. However, we’ll need to ask some questions about your:

  • age, gender and medical history
  • smoking
  • current state of health
  • occupation

Do I need to renew my policy every year?

Yes, you need to renew your policy every 12 months. We’ll send you a renewal invite around 30 days before your renewal date so you can check your details are correct and the cover still meets your needs.

If you’ve previously filled out our MyHealth Counts health questionnaire, you’ll also discover if your Q score has helped you secure a discount.

Does my health insurance cover me abroad?

No, our health insurance doesn’t cover you abroad. It only covers you in the UK, which means England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

Can I add others to my policy?

Yes, you can add other people to your policy if they’re part of your immediate family group. For example, this means you can add a spouse, a partner, or your children.

If you add two or more children aged 19 or under, you’ll only pay for the oldest (until they turn 20). 

Are there any age limits to buying health insurance?

There is no upper age limit, however you need to be aged 18 to take out a Health insurance policy with us.

Will my health insurance premiums change every year?

How much you pay for your health insurance might change year-to-year. Because when we work out your renewal price, we consider several factors. Some of them are about you specifically, like your age or postcode. Others are about what’s happening in the world or the insurance market in general, like the cost of medical treatments increasing.

Discover other factors that might cause your health insurance premiums to change.

Will I be covered to see a GP?

As a health insurance customer, you will have access to the Aviva Digital GP app* in addition to your cover. The app is provided by Square Health, which gives you unlimited 24/7 access to GP video consultations, per member, per policy year (terms and conditions apply).

Other than that, we don’t cover any charges to see an NHS or private GP or for any treatment or diagnostic tests they carry out.

However, if they refer you for further assessment or treatment, you can then start a claim.

* Please be aware that the benefits of the app don’t form part of your cover, and they could change or be removed, in the future. This is a non-contractual benefit Aviva can withdraw at any time. Terms and conditions and the privacy policy for the Aviva Digital GP service can be found within the app.

Do you provide cover for a newborn baby?

Yes, if you apply before your baby is three months old, we’ll give you up to three months of free health cover for them. If you apply before your baby is three months and make a claim, your baby’s medical history will be disregarded and no personal exclusions will apply. If a baby is added after they are three months old, then any pre-existing conditions will be underwritten.

If you already have another child (aged 19 or under) on your policy, after those first three months are up, your new child will continue to get free cover until the oldest child turns 20. That’s because you only pay for the oldest child on your policy.

We also offer a ‘baby bonus’ where, if you’ve had the policy for over 10 months and your premiums are paid up to date, any family member covered by the policy will get £100 from us when you have a baby or adopt one up to a year old.

How do I make a claim?

If you need to make a claim on your health insurance, we’re here to help.

Once you’ve been referred by your GP, you can start a claim in MyAviva or by calling us. We’ll just need to know your symptoms, when they started, and what you’ve been referred for. 

You can find all the information and contact details you need on our make a health insurance claim page.

Do I need a referral from a GP to claim?

Yes, you need a referral from a GP to claim.

If you see your GP or have a video consultation with one via the Aviva Digital GP app, and they want you to see a specialist, tell them you’ve got private health insurance with us. 

Can I change my policy mid-term?

Yes, you can make certain changes at any time. This might include changing the name, title or address of anyone on the policy.

At renewal, you can increase or decrease your cover (see above).  We’ll need to check your claim history before deciding if we can make these changes, and it may affect how much you pay.

What is life insurance?

Life insurance pays a sum of money upon the death of an insured person. It is important for ensuring the financial safety and well-being of your family. It can provide financial support when your loved ones need it the most.

What is the best age to buy life insurance?

The best age to start life insurance is when you have dependents or other financial obligations such as a mortgage. The younger you are, the more affordable life insurance will be.

How much life insurance do I need?

The amount of life insurance you need will depend on your circumstances. The amount should be enough to maintain a similar standard of living for your loved ones. 10 times your gross annual salary is a good starting point for life insurance.

Is income protection insurance worth it?

Income protection insurance pays out a monthly income if you are unable to work due to illness or injury. This can be valuable if you become unexpectedly ill and are unable to work, as it can help you to cover your living expenses and mortgage payments.

What does income protection insurance cover?

Income protection insurance typically covers you for a period of one to twenty years. The amount of cover you can get will depend on your age, health, and occupation.

What is critical illness cover?

A critical illness policy is a type of insurance that is designed to provide financial support to people who have been diagnosed with a critical illness. The policy typically pays out a lump sum of money, which can be used to cover medical expenses, lost income, or other costs associated with the illness.

Is a critical illness policy worth it?

Critical illness cover can be valuable if you are diagnosed with a serious illness. The lump sum of money can help you to cover your medical expenses, pay off debts, or make home modifications.

Contact us to get a quote

Our Philosophy

Our philosophy has always been to listen, support and deliver. We are the conduit between the academic and the fitness professional, the one who makes a real difference to the community. We do this by making sure our offerings are fit for purpose, affordable and world class … totally and always.

*Based on stats for typical person 35 yr old, non-smoking male, living in the East Midlands.

1 Lord Darzi (2024), Independent investigation of the National Health Service in England.

FitPro Insurance Services is a trading name of PHL Insurance Brokers Ltd. Authorised and Regulated by the Financial Conduct Authority – FRN 301732. Company Registration number 04851546 – Registered office Suite 402, 4th Floor, 20 Aldermanbury, London, EC2V 7HY

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