What
Does Private Medical Insurance Cover Me For?
Private
medical insurance is designed to insure treatment for curable,
short-term illness or injury, known as acute conditions. Some
treatments and illnesses are never covered and these are common
to most insurance schemes.
|
Normally
included |
Occasionally
Included |
Normally
Not Included |
|
Cover for
treatment of short-term (acute) medical conditions |
Out-patient
diagnostic tests |
Conditions
you had before taking out the insurance (commonly
known as pre-existing conditions) |
|
In-patient
tests |
Out-patient
consultations and treatment with a specialist |
GP services |
|
Surgery
as an in-patient or day-patient |
Overseas
cover |
Cover for
long-term illnesses which cannot be cured (usually
referred to as chronic conditions) |
|
Hospital
accommodation and nursing |
Cash payment
for treatment received as an NHS in-patient |
Accident
and emergency admission |
As
well as those listed as ‘Normally not included’,
these following treatments or conditions are usually
outside your insurance cover. Drug abuse, self-inflicted
injuries, out-patient drugs and dressings, infertility,
normal pregnancy, cosmetic surgery, gender reassignment
(also known as sex change), preventive treatment, HIV/AIDS,
kidney dialysis, mobility aids, experimental drugs,
experimental treatment, organ transplant, injuries arising
from dangerous hobbies (often called ‘hazardous
pursuits’) and war risks. Every insurance company
will give you an insurance policy summary and a full
policy document either immediately after or before you
sign the contract of health insurance. The health insurance
policy summary document will set out any unusual limits
of the insurance policy.
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