Health Insurance

How private medical insurance works

Private medical insurance is designed to cover the cost of treating acute conditions — problems that can usually be cured — such as quicker access to a consultant, tests or surgery. It sits alongside the NHS, which remains free at the point of use; you are still entitled to NHS care whether or not you hold private cover.

Policies differ in what they include, from outpatient consultations to hospital stays. Some pay for treatment directly, while cash-plan style products instead pay set amounts towards everyday costs such as dental or optical care.

What is usually excluded

Most policies do not cover chronic (long-term) conditions, emergencies, or treatment of a pre-existing condition unless specifically agreed. Cover is often based either on a full medical history or on a moratorium, where recent conditions are excluded for a set period. Check how the policy treats existing conditions before you buy.

Deciding whether it is right for you

Whether private cover is worth the premium depends on your circumstances and how you value faster access or choice of treatment. This is general information rather than a personal recommendation; weigh the cost against what the NHS already provides for you, and consider advice if you are unsure.