These days, the variety of medical insurance plans is such that at times it can appear confusing. We will examine each different type in the next chapter, but first there are some universal truths that cover all health insurance plans.
Health insurance, whatever the policy type, is there to cover the cost of private treatment for acute conditions. An acute condition is, broadly, a disease, illness or condition that will respond to treatment and such care that will bring you back to the state of health you were in before you contracted it - or full recovery.
What it won´t cover is so-called chronic conditions. These are conditions that will not improve from treatment: all medical intervention can do is alleviate the symptoms and pain. A commonly-known chronic condition is Alzheimer´s. Health insurance usually covers you for in-patient tests; surgery whether as an in-patient or outpatient; nursing care and hospital treatment.
Depending on the policy, health insurance will also cover out-patient diagnostic tests and consultations. Some plans may make cash payments if you receive treatment as an NHS in-patient and others may include cover when you are abroad. Few if any plans will cover you for accident and emergency admissions or provide access to private general practitioners (GPs). Pre-existing conditions will not be covered either.
Often, psychiatric conditions are excluded. And you usually won´t be covered for certain conditions or treatments as a matter of course: for example, normal pregnancy; infertility; cosmetic surgery; organ transplant; kidney dialysis; HIV/Aids and any conditions that result from drug abuse or self-inflicted injury.
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