New medical insurance provider Healthcare 4 Life (H4L) is offering health insurance with no age-related premium increases.

It also offers one premium scale for city and provincial hospitals, lower premiums for non-smokers and gym and health club members, £7,000 psychiatric cover and alternative and complementary medicine cover.

H4L was set up by a team from OHRA UK, headed by Hazel Berrill, with a claims team run by OHRA's former claims manager Hina Patel.

Berrill said the team already had a good reputation for providing quality service.

“We have the experience, know-ledge and a very high-quality product that we believe will be extremely attractive to the market,” she said.