December Festive Offer - 15% Discount Promotion

1. Your relationship with General & Medical Healthcare (“G&M”)

1.1 These terms of use set out the legally binding contract between G&M and you in relation to the December Festive Offer 15% Discount Promotion (“the Promotion/the Discount”).

1.2 You will be deemed to accept these terms if you purchase a policy with G&M.

1.3 G&M may make changes to these terms from time to time. The most up-to-date version will be available on G&M's website www.generalandmedical.com. You should check the terms regularly, and if you purchased a policy after the date of any change it will be on the new terms.

1.4 G&M shall use and take care of any personal information you provide as described in G&M's privacy policy and in accordance with current UK data protection legislation, and will not disclose this personal information to a third party without your consent.

2. December Festive Offer - 15% Discount Promotion Rules

2.1 The Promotion is organised by General & Medical Healthcare (G&M), General & Medical House, Napier Place, Orton Wistow, Peterborough, PE2 6XN.

2.2 G&M reserves the right at any time to cancel, discontinue, temporarily or permanently suspend, or amend the Promotion or these rules with or without prior notice (including, without limitation, in the case of anticipated, suspected or actual fraud).

2.3 In the event of any dispute regarding the rules, notice or conduct of the Promotion, the decision of G&M shall be final and binding and no other correspondence or discussion shall be entered into.

2.4 Every individual who purchases a private medical insurance policy as a direct client through our website or by telephone, from either our Essentials, Everyday, Lifestyle or Elite covers and with Moratorium Underwriting or Full Medical Underwriting, will receive a 15% Discount (automatically applied to eligible quotes).

2.5 The Promotion begins at 00:00 on 2nd December 2025 and closes at 23:59 on 7th January 2026.

2.6 The Promotion is available to new customers only and excludes renewals.

2.7 The Discount is non-transferable, non-exchangeable and there is no cash alternative.

2.8 The Discount cannot be claimed retrospectively or used in conjunction with any other offer or promotion.

2.9 G&M accepts no responsibility for any damage, loss, liabilities, injury or disappointment incurred or suffered by you as a result of taking out the insurance policy or accepting the Promotion. G&M further disclaims liability for any injury or damage to your or any other person's computer relating to or resulting from participation in or downloading any materials in connection with the Promotion. G&M accepts no responsibility for entries that are lost, delayed, damaged, misdirected or incomplete or cannot be delivered for any technical or other reason.

3. General Legal Terms

3.1 These terms constitute the whole legal agreement between you and G&M in relation to your entry of the Promotion.

3.2 Nothing in these terms excludes or limits G&M's liability for losses which may not be excluded or limited by applicable law. Subject to this, G&M shall not be liable to you for any loss or damage which may be suffered by you in relation to your entry to the Promotion, including indirect or consequential losses.

3.3 G&M shall not be liable for any failure to comply with its obligations where the failure is caused by something outside its reasonable control. Such circumstances include, but are not limited to, weather conditions, fire, flood, hurricane, strike, industrial dispute, war, hostilities, political unrest, riots, civil commotion, inevitable accidents, supervening legislation or any other circumstances amounting to force majeure.

3.4 You acknowledge and agree that each member of the group of companies of which G&M is a part may directly enforce, and rely upon, any provision of these terms. Other than this, no other person or company may benefit from these terms.

3.5 In the event of any dispute regarding the rules of the 15% Discount, the decision of G&M shall be final and binding and no other correspondence or discussion shall be entered into.

3.6 These terms shall be governed by English law. G&M and you agree to submit to the exclusive jurisdiction of the courts of England to resolve any legal matter arising from these terms.

December 2025

Applies where children are included as dependants within an adult’s policy only, and any child selected for the pre-existing condition upgrade will be charged at our full child rate plus the upgrade supplement. Find out more about free child health insurance cover.