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.
|
