Private medical insurance in the UK is not designed to cover the treatment of Chronic Conditions. If you are unwell your policy will cover you up to the point of diagnosis. You would need to have routine monitoring and medication via the NHS. However, your policy may cover you for treatment of flare ups of a chronic condition. There are also some exceptions. You may be able to add a limited amount of cover to your policy for the routine treatment for a chronic condition. Speak to your broker to find out which Insurance companies can help.
The definition actually has a few elements to it. Firstly, it is a condition that has no known cure. Secondly, it is a condition that is likely to return or need constant medication. Thirdly, it continues indefinitely. A chronic condition may also need you to learn how to cope with it and finally it may need lifelong monitoring via a specialist including check-ups, examinations and tests.
Your Health Insurance will cover you for the treatment of acute medical conditions (providing you have no exclusions relating to the condition).
What sort of diseases would fall under the chronic condition category?
This is just a small example of conditions that are classed as chronic. Even if you have medical history disregarded the cover for conditions of this type are still governed by the general exclusions of your policy.
Make sure that you pre-authorise any medical treatment to avoid any surprised relating to cover for this category of condition. Your insurer will provide you with examples of how they deal with claims of this nature for your easy reference.
Cancer sits in a benefit level on it’s own. We can confirm that even if you have a terminal diagnosis, cancer will not be classed as a chronic condition. This provides you with peace of mind if you ever need to make a claim for cancer.
Many people opt for moratorium underwriting because they do not have to fill in a complicated form at the start. Your claim will be underwritten at the time you make it and no medical history is required at inception.
On this basis the application process is a quick and simple one.
Prediabetes means that you have high blood sugar but it is not high enough to be diagnosed as Type 2 diabetes. If you are diagnosed with Prediabetes is means that you run a high risk of being diagnosed with Type 2 diabetes.
When you buy a private medical insurance policy in the UK make sure you know about the general exclusions that apply to your cover. Whether you are buying a policy as an individual, family or business, you need to know what is covered before you need to make a claim.
When you buy a private medical insurance policy, mental health cover is certainly worth thinking about because we never know what the future holds. Not everyone wants to have cover for psychiatric claims but if you have close family members who suffer with mental health issues then it could be worth considering.
When you buy a Private Medical Insurance policy you should read the Terms and Conditions provided. Knowing some of the basic Private Medical Insurance Facts before you agree to purchase can avoid issues in the future. Not every insurer offers the exact same cover, however, the principles tend to be the same. Common Private Medical Insurance Facts. Private Medical Insurance does not provide cover for Accidents and Emergencies, these are still covered by the NHS. Policies cover the treatment of ACUTE medical conditions. Acute conditions are those that are likely to respond quickly to treatment. Chronic conditions are not…
This condition affects one in 100 people and the charity confirms that only 24% of people that have this condition have been diagnosed. These stats mean that it leaves nearly half a million people without an official diagnosis. With that in mind we have listed the symptoms which Coeliac UK advise can be associated with coeliac disease