Does medical insurance cover me against emergencies?

Emergency health coverage

No. While private health insurance (PMI) is designed to provide cover for a wide range of in-patient and out-patient treatments, it does not typically cover a visit to Accident and Emergency (A&E).

It is important to remember that healthcare insurance is designed to supplement NHS services, not take their place. Consumer group Which? says in their PMI buyer’s guide: ‘PMI doesn't replace all NHS services - for example, accident and emergency treatments aren't covered.’

However, while medical emergencies are not covered by health insurance, your policy may be useful once your condition has been stabilised. Depending on the level of cover you have under your private medical insurance, once A&E have treated your condition, you may be transferred to a private ward in an NHS hospital or to a private hospital to continue with your treatment.

You should check what cover your PMI policy provides. You may be able to claim for follow-up treatment after an emergency as long as it’s not for a pre-existing condition and has been referred by a specialist consultant or GP. However, you will use the NHS Accident and Emergency service in a medical emergency.

To find the right private medical insurance policy for you, simply complete our online form now. We’ll connect you to one of our approved panel of FSA registered brokers who will find out exactly what you want from your healthcare insurance. They will compare prices and cover to find you the right deal at the right price.

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