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A guide to UK Private Medical Insurance

• The Accident and Emergency service (known as A&E) is probably the best example of a service that would not be covered by a UK private medical insurance policy, because only NHS-run hospitals actually have accident and emergency service facilities.
• Your local GP (general practitioner) is also an NHS member of staff, and so everyday medical checkups are free and therefore would not normally be claimed for on a UK private medical insurance policy. The line between UK private medical insurance cover and NHS care is however blurred by the fact that many practicing NHS GPs often undertake part-time work as doctors in the private sector.
• Hospitals are usually divided into those that are run by the NHS and those that are run by private healthcare companies, although you also find some NHS hospitals with a private wing.
• UK private medical insurance policies will often contain optional ‘modules’ that allow the policyholder to receive alternative treatments such as acupuncture and homeopathy.  These sorts of treatment are less readily available through the NHS, mainly because it is harder to prove their success rate through traditionally scientific means.