Access to excellent medical care in comfortable surroundings, without waiting months to get to the front of the queue should make Private Medical Insurance (PMI) an easy sale but, it does have a reputation for being a luxury product and quite expensive.

The worst possible time to find out what your health insurance does and does not cover is when you need to claim against the policy. One of the most important parts of choosing a good health insurance policy for you and your family is to ask the right questions to discover which plan fits your needs and budget best.

For many people, the biggest advantage of paying for Private Medical Insurance is being able to avoid long queues on the NHS but is that the only reason for investing your hard-earned cash in private medical insurance?