Private medical insurance covers treatment for short-term illnesses or injuries that are curable. Its main benefit is speedier treatment and the peace of mind people get from knowing that should they become ill or injured they will have swift access to the treatment they need.
Taking out a private medical insurance policy means you will have access to private hospital treatment for specified conditions. You will often be treated more quickly than on the NHS and will have far greater choice over where and when you are treated.
On some private
Types of Medical Insurance
There are many different types of insurance policy available on the market so it’s important to think carefully and research exactly what type of policy you want and what you would like it to cover.
The majority of private medical insurance policies cover in-patient, or overnight, stays. Others, which usually cost more, also cover outpatient treatments where you don’t need to actually stay at the hospital. Outpatient appointments can be for things such as consultations and scans.
Consider whether you want your policy to cover you for overseas treatment as well. Some do, some don’t and it’s important to understand clearly what is and isn’t covered by your policy.
Even if you have an ongoing or long-term pre-existing medical condition, it doesn’t mean that you can’t get private
Other things which are unlikely to be covered by a private medical policy include self-inflicted injuries, HIV/AIDS, infertility, normal pregnancy, cosmetic surgery, sex change, and injuries sustained through dangerous hobbies.
Ensure you check any policy thoroughly before signing anything and don’t be afraid to seek independent advice or ask for further clarification on anything you don’t understand.
Source by Sarah Cornish