Private healthcare or private medical insurance is medical treatment you pay for (not NHS).

People tend to opt for this to have more choice or jump waiting lists. Private medical insurance can include dental care.

Private medical insurance usually covers the costs of treating acute conditions (a disease, illness or injury that is likely to respond to treatment). In general, it will not cover the treatment of long-term and incurable illnesses.

Some plans will be underwritten (they will offer you cover after they have asked about your medical history) and some will simply exclude pre-exisiting medical conditions.

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