In the UK, private health insurance (PMI) is available to individuals, families and businesses, and it is intended for the medical treatment of unforeseen acute illnesses. Acute conditions are those that are treatable and treatable. It does not cover the cost of long-term or chronic conditions.
There is a lot of confusion about what exists and does not cover private health insurance, and many forget that the National Health Service (NHS) exists for emergency treatment and that there is no PMI policy that covers this type of treatment.
Perhaps the best way to illustrate what is covered is an example if you hurt your hand and this will quickly respond to medical care that you could cover with private medical insurance. However, monitoring a chronic condition, such as asthma, will not be covered. Because it is intended for the unknown, existing health conditions will usually be excluded, at least during the first two years of the policy.
Pre-existing medical conditions may become eligible for coverage after the waiting period, if the existing condition has not returned within a specified period of time. If you are not sure that you have any medical conditions covered, contact your insurance company or broker who arranged the cover for you.
What is not covered?
The following procedures are not covered by most health insurance policies. These include:
Chronic conditions
Prior medical conditions
HIV AIDS
Cosmetic surgery
Drugs, solvents and alcohol abuse
GP consultancy
Pregnancy and infertility
Dental treatment
These conditions will not be covered by most private health insurance policies; if you are not sure, then check the policy terms.
To organize the cover in most cases, the best place to start is an insurance broker or an independent financial consultant. There are many insurance companies offering private health insurance, and there is a huge difference in the amount of coverage available, as well as premiums charged for coverage, and for this reason you should use a broker to search the entire market for you.
