Private medical insurance has been designed to enable you to insure against the costs of private medical treatment when your are not well. As a private patient you can usually choose when and where the treatment will take place, and even the specialist who treats. You will usually have the privacy of an en-suite room complete with TV and other home comforts.
There is a large variety of private health/medical insurance schemes available – from low cost schemes, offering limited cover, to those which offer wide-ranging cover and benefits. Most schemes offer cover for in-patient (when you have to stay in hospital overnight or for longer) and day-patient treatment (means you have to go into a hospital or day-patient unit because you need a period of clinically-supervised recovery, without staying overnight), but not always out-patient treatment (given at a hospital, consulting room or out-patient clinic where you do not go in for
day-patient or in-patient treatment.).
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