Are you over 60? Do you want to be covered for most health eventualities? Would you want to get back on your feet as quickly as possible after an illness or injury?
Look for coverage where you benefit from the widest range of cover available while at the same time getting the best cost you can find. Costs can vary greatly between providers. So, take great care when comparing private medical insurance before you buy.
Typically covered by a comprehensive medical insurance policy:
In-patient treatment– Treatment requiring an in-hospital stay either as a day patient or on an overnight basis.
Out-patient treatment – Specialist’s diagnosis and consultations that do not require overnight hospital stays.
Additional treatment– These alternative therapies like optical and dental care are not included in many policies so might take extra searching.
Check if these medical expenses are covered in any policy you consider:
Fees from surgeons and hospitals
Treatments of a surgical nature
Medical (non-surgical) treatment
Diagnostic tests and complex scans
Pre-admission tests
Nursing at home
Post-op consultation and tests
Physiotherapy & other therapies
Specialist consultations and tests
Complex diagnostic Scans (MRI, CT & PET)
Out-patient treatments/procedures
Cancer Cover (see Cancer Coverage below)
Consultations with a specialist
Radiotherapy & chemotherapy
Targeted/Biological therapies
Private ambulance
What’s is Not Covered?
Pre-existing conditions
Pre-diagnosed Cancers or those for which symptoms or signs develop within the first 90 days of the policy’s start date.
Dental problems
Fertility problems, pregnancy & childbirth
Neonatal treatment
Psychiatric conditions
HIV/AIDS
Cosmetic surgery
Any claim that has not been pre-authorised
Care and/or treatment arising from winter sports that occurs whilst on a winter sports holiday.
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Are you over 60? Do you want to be covered for most health eventualities? Would you want to get back on your feet as quickly as possible after an illness or injury?
Look for coverage where you benefit from the widest range of cover available while at the same time getting the best cost you can find. Costs can vary greatly between providers. So, take great care when comparing private medical insurance before you buy.
Typically covered by a comprehensive medical insurance policy:
In-patient treatment– Treatment requiring an in-hospital stay either as a day patient or on an overnight basis.
Out-patient treatment – Specialist’s diagnosis and consultations that do not require overnight hospital stays.
Additional treatment– These alternative therapies like optical and dental care are not included in many policies so might take extra searching.
Check if these medical expenses are covered in any policy you consider:
Fees from surgeons and hospitals
Treatments of a surgical nature
Medical (non-surgical) treatment
Diagnostic tests and complex scans
Pre-admission tests
Nursing at home
Post-op consultation and tests
Physiotherapy & other therapies
Specialist consultations and tests
Complex diagnostic Scans (MRI, CT & PET)
Out-patient treatments/procedures
Cancer Cover (see Cancer Coverage below)
Consultations with a specialist
Radiotherapy & chemotherapy
Targeted/Biological therapies
Private ambulance
What’s is Not Covered?
Pre-existing conditions
Pre-diagnosed Cancers or those for which symptoms or signs develop within the first 90 days of the policy’s start date.
Dental problems
Fertility problems, pregnancy & childbirth
Neonatal treatment
Psychiatric conditions
HIV/AIDS
Cosmetic surgery
Any claim that has not been pre-authorised
Care and/or treatment arising from winter sports that occurs whilst on a winter sports holiday.
