Conditions and cover

Key questions

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Topics in this section

Everything in conditions and cover

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  Does private health insurance cover cancer treatment?

  Private health insurance may cover eligible cancer treatment when the condition began after cover started and the policy includes the relevant cancer benefits. Cover is…

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  How much does private cancer treatment cost in the UK?

  There is no reliable single UK price for private cancer treatment. The total depends on the cancer, provider, investigations, medicines, surgery, radiotherapy, facilities and duration.…

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  Does private health insurance cover chemotherapy?

  Private health insurance may cover eligible chemotherapy, but the exact drug, delivery setting, provider, underwriting and cancer option determine payment. Bupa, Aviva and WPA describe…

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  Does private health insurance cover radiotherapy?

  Private health insurance may cover eligible radiotherapy when cancer cover applies, but planning, specialist fees, facility charges, provider recognition and authorisation must be checked. Published…

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  Does private health insurance cover cancer surgery?

  Private health insurance may cover eligible cancer surgery if the cancer is covered and the hospital, surgeon, anaesthetist and procedure meet policy rules. Do not…

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  Can you get health insurance after cancer?

  You may be able to buy health insurance after cancer, but a new policy will not usually fund existing or planned cancer care. The insurer…

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  How does health insurance treat pre-existing cancer?

  Health insurance usually treats cancer that predates the policy as pre-existing, so a new plan may exclude that cancer, related conditions, monitoring or ongoing care.…

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  What limits apply to private cancer cover?

  Cancer cover can be limited by the selected policy option, underwriting, recognised providers, drug rules, treatment phase, time or money limits and authorisation conditions. Some…

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  How do you make a cancer claim on health insurance?

  Start a cancer health-insurance claim by contacting the insurer before private treatment is booked. Provide the referral and information requested, then confirm eligibility, recognised specialists…

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  NHS and private cancer care: access and payment

  NHS cancer care is publicly funded and measured against national pathway standards; private care is paid through insurance or self-pay and depends on provider availability.…

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  Heart conditions and insurance: cover, underwriting and claims

  A heart condition rarely rules out insurance altogether, but it changes the terms. Private medical insurance normally excludes anything you already have, while life, critical…

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  Insurance after a heart attack: what you can still get

  After a heart attack, most insurers postpone new life, critical illness and income protection applications for a period before considering them, and then price the…

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  High blood pressure and insurance: how underwriters treat it

  High blood pressure is one of the most common histories insurers see and is usually insurable. Where it is well controlled and there are no…

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  Stroke, TIA and insurance cover

  A stroke or transient ischaemic attack changes what new insurance is available and on what terms, usually through a postponement period followed by individual assessment.…

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  Neurological conditions and insurance cover

  Neurological conditions are underwritten individually and often produce exclusions on new cover rather than outright declines. Multiple sclerosis and Parkinson’s appear on most critical illness…

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  Epilepsy and insurance cover

  Epilepsy is usually insurable, with terms shaped by how long it has been since the last seizure, what medication is needed and whether the cause…

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  Diabetes and insurance cover: type 1, type 2 and underwriting

  Diabetes is insurable but almost always underwritten individually. Insurers look at the type, how long since diagnosis, how well controlled it is, what treatment is…

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  Weight, cholesterol and insurance underwriting

  Height, weight and cholesterol are asked on almost every protection application because they are cheap, measurable proxies for long-term risk. They rarely decide an application…

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  Menopause and insurance cover

  Menopause is not itself an insurable event, and ongoing management is normally outside private medical insurance as a chronic matter. Some insurers and employer schemes…

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  Endometriosis, fibroids, PCOS and insurance cover

  Gynaecological conditions are commonly excluded from a new private medical insurance policy where they already exist, because they are treated as pre-existing and often as…

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