Broke in Bristol

Featured Review

Save money on private health insurance

Smiley nurse talks to patient
Can you afford private medical insurance?

If you’ve been thinking about investing in private medical insurance – or reviewing your current policy – it definitely pays to speak to an expert. I asked Charlie Francis from Bristol-based health insurance broker Excellect to discuss the potential savings – especially in the current climate.

Insurers must tell you to shop around in your private medical insurance renewal documents. Unfortunately, I still come across lots of people who haven’t looked at their policy for years and are paying way too much by automatically renewing their existing policies.

"One recent example of this is a lady I helped recently. Mrs B was introduced to us by an existing client. She already had a private medical insurance policy which had been in place since the early 1980s. Now aged 76, Mrs B had seen the premiums gradually increase to £890 per month, even though she still had a hefty excess of £1000 to pay should she need to claim!

"After a friendly initial chat, we did a review to compare what was available from all health insurance providers in the market, without compromising on her existing cover. We found another insurer who could provide more extensive cover for £280 a month, saving Mrs B a staggering £610 per month or £7,310 a year!

"She is delighted to say the least. What’s even better is that we will automatically offer that same whole of market review for her every year to make sure she always has the very best terms for her cover.”

If you’ve been thinking of looking into private medical insurance, or know someone with an existing policy who hasn’t had a review, send Charlie an email at or call 0117 370 0352 and don’t forget to mention Broke in Bristol.