What am I covered for? What does my cover not include?
Remember, private medical insurance is designed to cover treatment
for curable, short term illness or injury (commonly known as acute
conditions). Some illnesses and treatments are never covered and
these are common to most schemes.
Usually included
- Cover for treatment of short-term (acute) medical conditions
- In-patient tests
- Surgery
- Hospital accommodation and nursing
Sometimes included
- Out-patient tests
- Out-patient consultations with a specialist
- Overseas cover
- Cash payment for treatment received as an NHS in-patient
Usually not included
- Conditions you had before taking out the insurance (commonly
known as preexisting conditions)
- GP services
- Cover for long-term illnesses which cannot be cured (usually
referred to as chronic conditions)
- Accident and emergency admission
As well as those listed above as 'Usually not covered', the following
conditions or treatments are normally outside your cover:
Drug abuse, self-inflicted injuries, out-patient drugs and dressings,
HIV/AIDS, infertility, normal pregnancy, cosmetic surgery, gender
reassignment (also known as sex change), preventive treatment, kidney
dialysis, mobility aids, experimental treatment, experimental drugs,
organ transplant, war risks, injuries arising from dangerous hobbies
(often called "hazardous pursuits").
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