What does Private Medical Insurance cover?

Private medical insurance is intended to pay for medical treatment for unforeseen acute medical conditions. It does not cover the costs of long-term or chronic conditions. For example, if you injure your knee and this will respond quickly to medical attention you would be covered under an insurance policy. However, monitoring of a chronic condition such as asthma or diabetes would not be covered.

As private health cover is designed for the unknown, existing health conditions will usually be excluded for at least the first two years of the policy. The conditions may become eligible for cover after a period, if the condition has not returned for a set period of time. This depends on the underwriting of the medical insurance policy.

For a full explanation of the different health insurance underwriting terms available please go to our underwriting information.

What is not covered?

The following treatments are not covered by most medical insurance policies. These include:

• Chronic conditions
• Pre-existing medical conditions
• HIV/AIDS
• Cosmetic surgery
• Drug, solvent and alcohol abuse
• GP consultations
• Pregnancy and infertility
• Dental treatment

For a full list of treatments not covered under private health insurance, please refer to the policy document which can be provided by a member of our staff.