What Does Private Health Insurance Cover? A Complete Guide

What Does Private Health Insurance Cover A Complete Guide

Private health insurance offers a range of benefits beyond NHS care. Here’s what most policies include.

1. Standard Coverage

  • Inpatient & Outpatient Care – Hospital stays, surgery, and consultant visits.
  • Diagnostics & Scans – MRI, CT, and blood tests.
  • Cancer Treatment – Chemotherapy, radiotherapy, and specialist consultations.

2. Additional Benefits

  • Mental Health Support – Therapy, counselling, and psychiatric care.
  • Dental & Optical – Routine check-ups and major treatments.
  • Physiotherapy & Alternative Treatments – Chiropractic and osteopathy services.

3. What’s Not Covered?

  • Pre-existing conditions (unless specified).
  • Cosmetic procedures.
  • Emergency A&E treatment (covered by the NHS).

Conclusion

Private health insurance covers a broad range of treatments and services, making it a valuable option for faster access to medical care.

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