Private Medical Cover

What is Private Medical Insurance

Most UK residents are entitled to free healthcare from the NHS. Health insurance pays all – or some – of your medical bills if you’re treated privately. It gives you a choice in the level of care you get and how and when it is provided.

You don’t have to take out private medical insurance – but if you don’t want to use the NHS, you might find it hard to pay for private treatment without insurance, especially for serious conditions. Like all insurance, the cover you get from private medical insurance depends on the policy you buy.

Basic private medical insurance usually picks up the costs of most in-patient treatments (tests and surgery) and day-care surgery. Some policies extend to out-patient treatments (such as specialists and consultants) and might pay you a small fixed amount for each night you spend in an NHS hospital.

Your healthcare insurance usually won’t cover private treatment for:

  • Organ transplants
  • Injuries relating to dangerous
  • Pre-existing medical conditions
  • Normal pregnancy and childbirth costs
  • Cosmetic surgery to improve your appearance
  • Injuries relating to dangerous sports or arising from war or war-like hostilities
  • Chronic illnesses such as HIV/AIDs-related illnesses, diabetes, epilepsy, hypertension and related illnesses

You might be able to choose a policy which covers mental health, depression and sports injuries but these aren’t always covered. NHS patients who need treatment in hospital wait an average of 8.1 weeks. Only 1 in 10 waits longer than 18 weeks.

Source: Department of Health data from January 2012

Private Medical Insurance Q&As

Chronic conditions are considered as incurable so are normally covered on the NHS such as diabetes, so insurers do not normally cover these

Yes. Premiums do normally go up with age and the things that may affect your premiums are things like your claim history and your insurer

Yes. We can tailor plans to suit your needs and budget. They do have extra options you can include or exclude to fit your budget

Insurers have a standard list of exclusions and typically they can be things like, war, riots, HIV/Aids, or self-inflicted ailments.

No. Private health insurance will not cover your existing conditions straight away. You may have to wait typically two years before the pre-existing conditions will then be covered depending on what the condition is and whether you meet other certain criteria.

Private Medical Insurance sometimes called Private Health Insurance is designed to cover medical expenses incurred because of accident or illness. It covers the costs for medical treatment at private clinics and hospitals compared to the National Health Service.

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