For some a private medical insurance policy is an essential part of health protection for the family. For others it is an expensive luxury.
Whatever your thoughts the NHS is clearly struggling to meet demands. Queues for treatments are getting longer and very often the access to expensive medicines can be a postcode lottery. Individual and group policies can be tailored to fit within your budget. If you do not ask you will not find out how affordable PMI can actually be or how much can be saved on your existing policy.