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What Is Covered By Private Medical Insurance?: Private Medical Insurance is designed to cover only treatment for curable, short term illness or injury. Some illnesses and treatments can never be expected to be included in any policy.
What Is Not Covered By Private Medical Insurance?: Private Medical Insurance plans do not cover chronic or critical illnesses which cannot be cured, for example multiple sclerosis, asthma or diabetes.
What Does The Term ‘in-patient' Mean?: This is the term that most private medical insurance policies use for hospital treatment that requires a stay of one or more nights.
What Happens If I Have a Medical Emergency?: Medical emergencies are not covered by private medical insurance - if you suffer an accident or are taken ill and rushed to hospital – you will receive normal NHS treatment.
What Details Will I Need To Provide To Prove My Health?: When you sign up for a private medical insurance policy, there are a variety of ways in which your insurer may ask you to prove your health. We have detailed them below:

What Is Not Covered By Private Medical Insurance?

Private Medical Insurance plans do not cover chronic or critical illnesses which cannot be cured, for example multiple sclerosis, asthma or diabetes.

However, if you suddenly fall ill unexpectedly with a chronic condition most PMI policies will pay the cost of treatment for stabilising your condition and returning you to your previous level of health if this is possible.

Insurance policies have a list of exclusions and the most common among these include drug/alcohol abuse, self-inflicted injuries, gender reassignment, cosmetic surgery (except after a disfiguring illness or accident), organ transplants, private GP consultations, HIV and/or AIDS, injuries arising from dangerous sports, infertility, normal pregnancy and sterilisation treatment.

Important: when you seek private medical treatment you must be referred by a GP - if you go straight to a private specialist then you will not be able to make a claim.