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Health insurance in the UK is designed to cover the costs of private treatment for what are commonly known as acute conditions. Most insurers in the UK define an acute condition as a disease, illness or injury that is likely to respond quickly to treatment which aims to return you to the state of health you were in immediately before suffering the disease, illness or injury, or which leads to your full recovery.
Most people buy this type of insurance to gain the reassurance of knowing that treatment is available promptly, if they become ill or are injured. As a private patient you can choose when treatment will take place, the specialist who treats you and the hospital. You will usually have the privacy of an en-suite room complete with TV and other home comforts. Some illnesses and treatments will not be covered and these are common to most policies. Examples of these are conditions you had before taking out the insurance (commonly known as pre-existing conditions), GP services, cover for long term illnesses that cannot be cured (chronic conditions) and accident and emergency admission. It is important to note that private health insurance is not designed to replace all the services of the NHS. Some such as accident and emergency, are beyond the scope of private hospitals.
