Private Medical Insurance is designed to cover new eligible medical conditions that may arise after the start date of a policy. It is usually not possible to cover a pre-existing medical condition. This does not mean you cannot obtain a Private Medical Insurance policy, however any pre-existing conditions you have will be excluded from your cover.
There are some standard treatments and conditions that aren’t covered, these are:
- Any regular monitoring or treatment of conditions that aren’t covered e.g. diabetes or allergies
- Any treatment you receive out of the UK
- Emergency treatment or visits to your NHS GP
- Pregnancy, childbirth and most related conditions
- Cosmetic treatment
- Organ transplants
- Any treatment or practises that are experimental, unproven or unregistered
- Any treatment for learning difficulties, delayed speech disorders and other developmental problems
As each pre-existing condition is dealt with on a case-by-case basis and is dependent on your medical history and your particular situation, we recommend talking to one of our health insurance advisers to find out what options are available.