Most health insurance plans are not designed to cover pre-existing medical conditions. Pre-existent conditions are illnesses for which you had symptoms, consultations, medication, surgery or other treatment in the past.
You can still get private medical insurance even if you have pre-existing conditions. However, depending on the condition(s) or their severity, insurers may not pay for their treatment.
Health insurance covers your private healthcare costs for acute medical conditions that you develop after your policy start date. Typically, health insurance covers hospital stays (inpatient) and hospital appointments (day-patient). Depending on your policy, your policy can also cover outpatient appointments, physiotherapy, alternative therapies and cancer treatment.
A UK health insurance policy covers only medical treatment while you are in the UK, you would therefore be unable to use your policy when travelling abroad. To be covered for short periods of time abroad (e.g. while on holiday), you would need other types of insurance, such as travel insurance. However, if you are spending longer periods abroad for work or study, you might be interested in an international health insurance plan.
With most health insurance policies, you will have access to a network of hospitals that you can use for your treatment. Most insurers would typically allow you to expand this network by including the more expensive hospitals, however this would also mean paying more premium.
Typically, there are general exclusions found in most health insurance plans, these include but are not limited to:
Insurers do not typically pay for treatment towards chronic conditions. However, they may provide cover if there is an acute flare up of the condition.
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