Private medical insurance (PMI) is designed to cover the costs incurred by private healthcare. This will cover you for the diagnosis and treatment of a disease, illness or injury that may develop after your policy begins. Although most pre-existing conditions would be excluded from cover, we can in some instances get these included (depending on the condition, whether it is controlled, and how long it has been since diagnosis).
The level of cover available can vary and is dependent on the type of policy you have. Most providers broadly offer three types of healthcare insurance: Basic, mid-range, and comprehensive. All three options will generally cover any inpatient treatment, where you are required to stay in hospital – either as a day patient or overnight. Where they differ is the level of outpatient support provided (eg. Scans, consultations, tests, rehabilitation etc.). Comprehensive health insurance tends to cover all outpatient treatment in full.