About Healthcare Clarity

Healthcare Clarity is dedicated to providing impeccable private health insurance advice for our clients, and finding the best policies for their needs.

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What Do We Do at
Healthcare Clarity?

Healthcare Clarity is a private medical insurance (PMI) broker. We believe that there is no room for error when searching for a health insurance policy, and as well as comparing all UK providers to find competitive prices, we ensure you receive the best advice. This can help our customers make the most informed decisions every step of the way. You don’t have to be a Healthcare Clarity client to benefit from our free expert advice either. If you have any questions or concerns about a new or existing policy, just give us a call. We take the time to thoroughly investigate every possible option, and you might be surprised by what we find for you.

Why Should You Make Healthcare Clarity Your Health Insurance Broker?

Health Insurance Experts

We know the market inside out and will give the best advice in any situation.

Free service

The service we provide is completely FREE, and you are under no obligation to act on the quotes we provide.

Award-winning panel of insurers

We work with an award-winning panel of insurers, giving us access to competitive deals.

Qualified advisors

Our IF7 accredited health insurance brokers have many years of experience in the industry.

No call centres

We are one team of dedicated experts, so you’ll never be passed between departments.

Ongoing support

The Healthcare Clarity team is here to offer support and assistance all year round.

Which Insurers Do Healthcare Clarity Work With?

We work with every health insurance provider in the UK, giving us access to every available policy. These include the following companies:

Meet Our Team

Learn about the people behind Healthcare Clarity and why they’re perfectly placed to deal with all your health insurance needs.

Kyle Godden


Kyle first became interested in private medical insurance in 2014, after waiting over a year on an NHS waiting list to be treated for a back complaint. This means he has a first-hand understanding of a client’s reasons for taking out insurance, as well as their needs and concerns.

Once he returned to work after his surgery, he decided to pursue a career in medical insurance, due to his unshakeable belief in the product. Since then, he has successfully placed hundreds of clients across the market of insurance providers.

Kyle worked for some of the biggest insurers and intermediaries in the UK before co-founding Healthcare Clarity. His client-first attitude has brought him plenty of success in his career to date.

Niall Scott


Niall co-founded Healthcare Clarity with Kyle, and comes from a family with a background in medicine. Years of conversation and debate about the state of the NHS convinced him that private medical insurance was essential for taking the strain off our increasingly stretched health service.

Honesty and integrity are core values which were instilled in him from a young age, and he embodies them in every aspect of his life, whether he’s advising clients, raising his family or trying to shoot sub-par rounds on the golf course. These values are also at the heart of the Healthcare Clarity ethos.

Andrew Lawson

Sales Director

Andrew is one of our most experienced private medical advisors with almost a decade of experience in the industry. He previously worked for one of the largest medical insurers in the UK, and brings a wealth of knowledge to the Healthcare Clarity team.

He is passionate about the sector and always makes sure every policy is tailored to each client he assists.


Randal Penketh

Sales Manager
Randal’s many years working with the UK’s largest medical insurers means he brings a range of valuable insights to the personal and group medical insurance market space. Strong client communications and his commitment to delivering dedicated advice are key to his success in the industry.

Charlotte Thompson

PMI Specialist Advisor

Charlotte has been with Healthcare Clarity from the start and has now completed the IF7 she needed to become a fully qualified PMI Specialist. She has always worked in roles that required her to quickly understand people and their needs. This has enabled her to expertly tailor medical insurance plans to her clients.

Ricky Maskell

PMI Specialist Advisor

Prior to joining the Healthcare Clarity team, Ricky worked in consultative roles across other financial services and brings this experience to the company. Outside of work, Ricky is a keen skier and golfer.

Victoria Portsmouth

PMI Specialist Advisor

Victoria joined the HCC team in August 2020. She has a 15+ year background in financial services and previously managed one of the largest PMI providers on the market. She loves getting to know her clients and building long-lasting relationships.

Thomas Critchley

PMI Specialist Advisor

Thomas joined the HCC team in September 2020 at our Bournemouth office. Thomas comes with a medical background having worked in care for eight years.

Ben Michaels

PMI Specialist Advisor

Matthew Champion

PMI Specialist Advisor

Charmaine Buckland

Compliance and Renewals

Charmaine has been working in the PMI industry for three years and is passionate about cementing client relationships and ensuring their requirements are understood. She takes pride in exploring all private health insurance options and goes the extra mile to ensure all client needs are met.

Jordan Peers

PMI Specialist

Jordan has worked in the medical insurance industry for years, starting her career at Insure-Me-Online before moving to another brokerage. She joined the HCC team in October 2020.

Wayne King

PMI Specialist

Robert Brown

PMI Specialist

Alicia Erwood

Administration Manager

Alicia works hard behind the scenes making sure Healthcare Clarity is running smoothly. She is also a keen photographer and photographs weddings during weekends in the summer.

Lisa Etherton