As standard, a private health insurance policy will cover the cost of treatment for acute conditions. The amount of cover you can get depends on your personal circumstances and budget. Some policies cost more than others, but you typically get more coverage, for example. There are low-cost options available too, allowing you to get the cover you need without spending a fortune.
Most health insurance providers offer tiers of cover, including basic, mid-range, and comprehensive. You can also add on optional extras, such as:
Dental & optical cover
Physiotherapy
Mental health cover
Private medical treatment & care at home
A private room for hospital stays
Specific illnesses (check with your insurance provider first).
The most basic health insurance policies always cover inpatient treatment. However, if you’d like to cover the costs of outpatient treatment, in which a hospital bed isn’t required, this is included in a more comprehensive plan.
All policies, whether you get basic or comprehensive protection, cover the full costs of treating curable conditions if said treatment requires an overnight stay in hospital (inpatient). Cancer care and treatment are often included as standard in health policies.