Private medical insurance is often called ‘health insurance’, and can sometimes be confused with other types of insurance such as health cash plans, income protection and critical illness.
Private medical insurance is designed to cover the costs of private medical treatment, for what are commonly known as ‘acute conditions’ that start after your policy begins.
Most insurers defne an acute condition as a disease, illness or injury that is likely to respond quickly to treatment
and aims to return you to the state of health you were in immediately before suffering the disease, illness or injury, or which leads to your full recovery.
Whats normally covered?
- Hospital charges
- Specialists’ fees
- Diagnostic tests
- Radiotherapy/chemotherapy
There are some common conditions that Private Health Insurance will not cover you for:
- Pre-existing conditions
- Long term or chronic conditions
- Alcohol, drug or solvent abuse
- HIV/AIDS
For advice on Private Health Insurance call 0800 043 0725