Private Medical Insurance
Private medical insurance is designed to cover the costs of private
medical treatment for curable short-term illness or injury (commonly
known as acute conditions).
Most people buy this type of insurance to gain the reassurance
of knowing that treatment is available promptly, if they become
ill or are injured.
As a private patient you can often choose when treatment will take
place, the specialist who treats you and the hospital. You will
usually have the privacy of an en-suite room, complete with TV and
other home comforts.
Some illnesses and treatments will not be covered by a private
medical insurance policy and these are common to most schemes (see
Section 5 of this guide). It is also important to remember that
this insurance is not designed to replace all the services offered
by the NHS. Some, such as accident and emergency, are beyond the
scope of most private hospitals.
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