An individual is provided with access to private medical treatment rather than being solely dependent on the NHS. It is suitable for people who would like to ensure they receive speedy treatment for acute, but not life threatening illnesses, in a hospital and sometimes by a consultant of their choice.

The benefits can pay for the costs of medical treatment outside the NHS including nursing care, specialist's fees, ambulance fees and hospital charges. The benefits are not subject to tax.

* this product is not regulated by the Personal Investment Authority.