Are there things private medical insurance doesn't cover?
Knowing what you are and aren’t covered for by your health insurance is very important. If you are taking out private medical insurance for the first time it is unlikely you will be covered for any pre-existing conditions.
Cover is designed to provide benefit for acute conditions but not the long term monitoring of chronic conditions. However, many policies should cover for flare ups of a chronic condition provided the condition is not excluded due to the underwriting on you policy.
Acute conditions are categorised as having a rapid onset but can typically be resolved within six months. Examples of acute conditions are a broken bone, heart attack or a stroke.
What are Chronic Conditions?
Chronic conditions are a disease, illness or injury that has one or more of the following:
Examples of Chronic Conditions
What else is commonly excluded from health insurance cover?
For more information about what is not covered, or if you have any specific questions about a condition and how it would be viewed by insurers, why not speak to one of our specialists. Healthcare Clarity advisers can speak to the underwriters at each insurer, to gain you the most favourable terms with regards to your pre-existing conditions.