Private Health Insurance - who and what is covered

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If you are unsure about specifics or have questions about health insurance or would like a free, same day quotation - then please do get in touch with us by filling out our simple enquiry form.

Private medical insurance will cover the cost of specialists, surgery, accommodation and nursing bills in a private hospital, or in a private ward in an NHS hospital, drugs and X-rays. You will get better facilities, tastier food and a private room, often with a phone and television.

Generally, policies do not cover the treatment of long-term illnesses that cannot be cured, such as asthma, diabetes or multiple sclerosis, or pre-existing medical conditions. This means you can't buy medical insurance today for an operation you know you will need in a few months.

Policies generally refuse to pay for treating conditions like alcoholism/drug abuse, dental treatment (although this is sold separately), HIV/AIDS, infertility, normal pregnancy or cosmetic surgery.

Some insurers will accept new customers at any age, others have an age limit. But the older you are, the more expensive it is. This means it tends to price people out of the product just when they need it most.

Important

Your home may be repossessed if you do not keep up repayments on your mortgage.

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Private Health Insurance - who and what is covered

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