What is private medical insurance?

Take control of your healthcare with a private medical insurance policy.

Medical insurance, (sometimes known as health insurance or private medical insurance), is a product designed to allow you afford the benefits of private medical treatment without the costs.

BBi Financial Planning can advise you on suitable private medical insurance cover for your needs and budget.

Private Medical Insurance

Do you know anyone who has waited weeks for medical treatment on the NHS?

A private plan can provide faster treatment from specialists in more comfortable surroundings.

Cover can be arranged to suit your budget, with options available to reduce costs.

The best plans always ensure things like cancer treatment are fully covered.

Why use BBi Financial Planning?


Our advisers have obtained the highest level of qualification in UK financial services


With decades of experience between them our advisers have seen it all.


We use the best tools available to make sure our research is as good as it gets.


We invest heavily in expert compliance support to ensure our staff and processes are always under scruitiny.


We have relationships with tax and legal experts to provide you with a holistic support network.


A service agreement with us means you will be able to speak to your chartered adviser. You won’t be stranded with someone else.

Benefits of private medical insurance

Private health insurance means you can see a specialist of your choice at a time suitable for you.

You can put your budget to work on a range cover to suit you.

Experience in-patient care in greater comfort and privacy, and possibly benefit from treatments not available on the NHS.

Private medical cover gives you the option to avoid using the busy NHS, freeing up their resources for more vulnerable patients.

Why choose BBi Financial Planning for private medical insurance?

Independent Advisers

We are proud of our independence.

It means no-one tells us what to do but you.
You can trust us to put your needs and goals first.

Chartered Professionals

We are a chartered firm and our advisers hold chartered status.

This puts us in the small elite number of firms in the UK, and means we uphold the highest standards.

Bespoke Cover

Our advisers will take the time to understand exactly what you need protected and why, and advise you on the most suitable options for your budget.

Which type of medical insurance is right for you?

High or low excess?

Increasing your excess means your premiums will be lower, but you will have to contribute more each time you need treatment.

We can help you find the right balance for you.

'Six-week' option

Some providers only allow you to claim if the NHS can’t treat you within six-weeks, meaning you can get the benefit of private cover only when the NHS is too busy, which keeps your costs down.

Basic cover only

Basic policies cover the essential treatment you would expect, but additional consultations or diagnostic tests may not be included. These can be cost-effective if you don’t want to compromise on vital cover.

Could Private Medical Insurance be right for you?

BBi Financial Planning can help you find the right cover for your needs and budget

Bespoke and personal

Cover tailored to your needs
By being able to choose your level of excess and the cover you need, you can find a plan that suits your needs and your budget.

Fast results

No need to wait for the NHS
Once your GP has referred you to a suitable consultant you can benefit from expert medical care without the NHS wait times. This means you can reduce the burden on the NHS for you and everybody else.

Private care

Quality treatment from professionals
Private medical cover is not just about the medical care you receive. If in-patient treatment be needed you can also benefit from more comfortable rooms and higher quality amenities.


This page is for information and education and is not advice.

Our advice is always bespoke and in writing.

Contact us to discuss your needs or arrange a meeting with one of our chartered advisers.

Any companies or products mentioned are for information only and are not a personal recommendation.