Our Values

  1. Passionate – providing high levels of service is the foundation of all we do to help our clients
  2. Accountability – our experienced team are committed in putting our client’s needs at the heart of their day to day, to deliver a professional and efficient customer service
  3. Integrity – open, honest, genuine and ethical advice is in our DNA
  4. Innovation – we are continuously looking at ways to improve our offering

Meet The Team

Paul Lewis


Paul has worked in the health insurance industry as an insurer representative and intermediary for over 25 years. Paul founded C&C Healthcare with his co-director Carmen Dunnigan in 2014.

Paul is based in the south west of England, but has worked with many of his established clients across the whole of the UK.

Paul has 3 children, so the majority of his spare time is spent with his family and 2 dogs. He is a keen golfer and an avid sports fan, who regularly attends major sporting events… when allowed.

Carmen Dunnigan


Carmen joined the Healthcare industry 29 years ago, always keeping her feet firmly on independent turf working as an independent Intermediary.

Carmen founded C&C Healthcare with Co Director Paul Lewis in 2014, after previously working together for a national Brokerage. Both felt it was the right time to take their knowledge and experience to a new venture, focusing on building personal, lasting relationships with clients.

Carmen moved across the border to Scotland almost 4 years ago, so now covers the North West of England, Cumbria & Scotland.

In her spare time Carmen enjoys time out with family, friends and her dog in the beautiful Scottish Borders – as her colleagues know however, weather permitting of course in Scotland! She is also partial to the odd jaunt overseas when not working.

Andrew Middleton


Andrew has spent more than 20 years in the Health & Protection industry in a Director capacity with leading specialist healthcare brokers.

As the head of our Yorkshire division for the Health & Protection team, Andrew works closely with businesses across the Yorkshire region and surrounding areas assisting with their employee benefit requirements.

In his spare time, Andrew is very much a family man and spends his weekends coaching his children’s local football team. His other past time is running and he completed the London Marathon in 2016 and 2017. He also enjoys going to the gym, playing golf and jetting off to the sun when possible!

Lee Southwood

Group Risk Consultant

Lee has worked in the employee benefit industry over 20 years having started out as an office junior within the financial services division of a major bank.

Lee is our Group Risk Consultant covering all areas of the UK and has been with C&C Healthcare from the beginning.

Having been a semi-professional footballer in a previous life, Lee now dedicates a lot of his spare time acting as ‘dad cabs’ to ferry his two children to their various sporting activities. When Lee has time to himself he likes nothing more than going out for a run and watching football!

Susan Jones

Office Manager

Susan has over 20 years experience in the private healthcare insurance industry, the majority of this time working for Bupa within the SME and corporate sector of the business.

Susan has worked for C&C Healthcare since April 2018 where she joined the team as office manager and administration support.

During her spare time Susan enjoys spending time with her family and socialising with friends. With a child to look after, the majority of Susan’s weekends are dedicated to watching and driving her son to either football or basketball matches where hopefully the weather is good!

Louise Campbell

Healthcare Consultant

Louise has worked in Health Insurance for over 35 years. Starting with BUPA and then moving into broking 20+ years ago when she joined Finch’s in central Manchester.

Louise joined C & C Healthcare in 2014 and manages a portfolio of individual and corporate clients, in addition to generating new business for C&C.

With a grown-up family all still living at home there is not a lot of leisure time but she has an interest in interior design (always has a home project on the go) and for down time enjoys nothing better than immersing herself in a good book.

Katie Davies

Healthcare Administrator

Katie Davies comes from an intermediary background having worked within client services for over 5 years.

Since joining C&C Healthcare in 2017, Katie supports our customers with any day to day administration tasks, in addition to supporting clients with any claims related matters.

In her spare time, Katie likes to spend time in the sun with a book and coffee.

Suzanne Allen

Group Risk & Healthcare Administrator

Suzanne has worked within the financial services industry throughout her career with the majority of her experience being within the employee benefits sector with an emphasis on group risk and private medical insurance.

When Suzanne is not working she enjoys spending time with her husband and three children.

Although much of her time is spent driving them from one place to the next!
Living in the Peak District, Suzanne enjoys going for long walks and when she finally gets chance to sit down she likes to read a good thriller!

Clare Gray

Healthcare Administrator

Clare has worked in PMI for almost 20 years previously employed by Bupa working in both the Corporate and SME sectors. Clare began in the Member Services area before moving into Business Partner Services and more recently the Direct Sales Team for SME.

In April 2019, Clare joined the C&C Healthcare team as a Healthcare Administrator, providing administrative support for the Consultants.

In her spare time, she enjoys spending time with my family, socialising, cooking and days out. Clare’s weekends are usually taken up with taking her son to play for one of the local football teams and also enjoy time away with family at their caravan in North Wales.

What People Say About Us

– HR Manager

I doubt there is another healthcare broker that we would receive the care and attention Carmen prides herself in delivering time after time. I have worked with Carmen for over 12 years through Ossur UK and more recently through Touch Bionics and can honestly say she is a true expert in her field and nothing is ever too much trouble!

Carmen has managed to secure us favourable terms year after year, demonstrating not only her sharp negotiating skills but also her extensive knowledge of the industry.

Her passion for healthcare is admirable and I can thoroughly recommend Carmen and her C&C Healthcare team to any company wanting to trust their healthcare benefits to safe hands.

– HR Manager

I’m glad I found C & C Healthcare!

They have taken away the headache out of running the scheme and deal with any queries promptly and efficiently, keeping me informed every step of the way to a truly professional standard.

An after service second to none is a rare find these days and I would certainly recommend them.

– Managing Director

I can’t speak too highly of C&C Healthcare!!

Their service is exemplary, Carmen and all the staff are absolutely delightful – nothing is too much trouble and everything is comprehensively explained before any policy is purchased.

Friendly, prompt and professional service and great value for money

– Supply Chain Director

We mapped out what we needed with Andrew from C&C Healthcare as we needed PMI for Senior Managers and Directors and Healthcare (cash plans) for all colleagues, he understood completely!

Andrew covered a number of areas before we selected any of our policies, we covered the likes of: – Private Medical Insurance (PMI) v Healthcare (i.e. What are PMI and Healthcare Cash plans?), Why people/companies buy PMI & Cash Plans, and also details around the types of cover involved, the modularity of plans, Underwriting, Hospital access as well as excess levels.

Then Andrew gave us a full review of all the suppliers and their offerings, and helped me unravel the tangled mess of PMI & Cash Plans (which it was to me originally) and I would have been lost without him and I can’t recommend him highly enough, thank you!

– Finance & Operations Manager

We received excellent service from Andrew and the team at C&C Healthcare.

Switching our Medical Insurance was handled efficiently with good communication throughout.

Andrew was very accommodating and made a journey to the office to give a presentation on the new policy.  

This was done in a clear and professional manner.
Great job!

– HR Manager

As a growing successful company, we decided to embark on enhancing our employee benefits proposition and C&C Healthcare were recommended to us.

What has been most valuable is almost a hand-holding guide every step of the way, as we have set up from a blank canvas, very clear communication about what to expect, and what is needed.  The process has felt organised, measured and has been extremely efficient in every response.  

The communication has been clear and concise, and always delivered in a manner that makes it easy for quick reference.

Thank you to C&C Healthcare for helping a stand-alone HR Manager to execute a multi-selection of great new benefits to our employees.