Private Medical Insurance - What's it all About?

The origin of private medical insurance goes a long way - before the NHS was formed. Pre-NHS days, people contributed to "friendly societies", which provided financial assistance to people in need. Some private providers of insurance, such as BUPA, remain non-profit-distributing body, but there are also many commercial insurance companies that provide private medical insurance today. One of the biggest names cover private medical insurance is AXA PPP healthcare - which was actually designed in 1938 to provide a system of health insurance for middle income earners in London.
The main objective of private medical insurance is designed to cover the treatment of "acute illness" - defined by Which? As "conditions that can be cured or substantially alleviated by treatment." Treatment of chronic diseases, such as multiple sclerosis or arthritis, may not be covered by a private physician, health insurance if criticism could be more appropriate. coverage insurance is critical to suit your individual needs - so shop around for the right policy and always be completely open with your insurer, or you can invalidate a claim at a later date.
Other treatments generally excluded from private health insurance include cosmetic surgery, treatment for alcohol abuse or drug abuse and treatment of infertility. The majority of standard policies exclude private consultations with a GP, routine checkups and dental care - unless it is performed in a hospital. However, always check your private medical insurance - some are more complete than others.
Private medical insurance can be an effective way to ensure timely access to medical care for your family. Remember that insurance policies depending on your exact circumstances - do not assume that one size fits all.


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