The NHS provides healthcare from the cradle to the grave - but concerns about treatment delays means many people choose to pay for private cover as well.

Waiting times have come down, but sales of private medical insurance - or PMI - continue to rise, according to the Association of British Insurers (ABI).

Nick Starling, director of general insurance and health at the ABI, says: "The continued rise in the number of people covered by PMI is good news - PMI gives people the peace of mind that they are able to get access to the treatment they need, at the time they need it, where they need it."

While the cost of PMI means it has traditionally been seen as only for the affluent, there are many ways you can cut the cost of cover and adapt your policy to suit your needs.

Moneywise has teamed up with beatthatquote.com to help users find the right medical cover to suit their needs from across the market.

Simply click here to enter you contact details and a specialist healthcare broker or independent financial adviser will get in touch to discuss options from across the whole of the market.

• private medical insurance