Some conditions and treatments are rarely covered by private health insurance, including most pre-existing medical conditions. These include:
- Chronic conditions – Ongoing treatment for incurable illnesses like HIV, diabetes and some cancers aren’t included.
- Emergency treatment – These services are mostly provided by the NHS.
- Elective treatment – These are treatments you don’t necessarily need but want, such as cosmetic surgery.
- Treatments required by some lifestyle factors – Such as drug and alcohol rehabilitation services.
- Treatment abroad – If it’s an emergency, this should be covered by your travel insurance. You may be able to get specialist insurance if you want to have treatment overseas.
- Pregnancy care – You will normally need to pay extra for care during pregnancy, though some unexpected complications may be covered.
