Private medical insurance is designed to cover the cost of private medical treatment for ‘acute conditions’ that start after your policy begins. An acute condition is a disease, illness or injury that is likely to respond quickly to treatment that 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. Your insurer can tell you about their cover for this and whether or not they will provide any cover for longer-term conditions (typically referred to as chronic conditions). A chronic condition is a disease, illness, or injury that has one or more of the following characteristics: it needs long-term monitoring, control or relief of symptoms, it requires rehabilitation, it continues indefinitely, and it has no known cure or is likely to come back.
Private medical insurance is designed to work alongside not to replace all the services offered by the NHS and in all cases customers retain their right to use the NHS. Some policies may cover certain types of, or elements of, long-term treatment or treatment for chronic conditions, but this is not usually the main purpose of Private Health Insurance.
Why Buy Private Health Insurance?
People buy this type of insurance to have:
Timely access to healthcare
• Prompt referral to a consultant
• Quick admission to hospital
• Treatment at a convenient time
Choice of healthcare
• Direct care by a consultant
• Advanced treatment options
High-quality private clinic and hospital accommodation
• Privacy of an en-suite room
• Home amenities such as TV
• Comfort and cleanliness
In addition, Private Health Insurance can pay you a cash benefit when you choose to use the NHS instead of having private treatment.