Over the years, the demand for private medical care has increased as NHS waiting listings have lengthened. Although private medical treatment can be expensive, financial provision for such treatments can be made by means of a Private Medical Insurance (PMI) policy.

However, if you don't feel that you can afford PMI cover, then a hospital cash fund may be a better choice for you. For a relatively low monthly premium, you will be reimbursed for treatment from your optician or dentist, and you will receive a lump sum for any hospital visit; whether you are treated on the NHS or privately.