What's not covered?

BCWA spoke and wrote in plain English and I knew exactly what was going on and what was covered.Generally, private health insurance does not cover the treatment of chronic conditions.  Pre-existing Conditions that have not been disclosed to us and accepted by us for benefit are also not covered.

We don't cover routine GP or dental consultations/
treatment, HIV or AIDS and related illnesses on our policies.

Find out about standard exclusions for Private Patients scheme

 Any exclusions, specific to your cover, will be shown on your Membership Certificate.

Out of Scale Cover - what is and isn't covered

If you are treated in a hospital in a higher scale than the one your have chosen, you will not be eligible for any items listed in Benefit 1 in the Benefit table.

Instead you will be paid 'Out of Scale' benefit (Benefit 3) in the Benefit table, which will more than likely fall short of the expenses incurred. You will then be responsible for paying the balance.

To find out your scale of cover check your Membership Certificate.

Check your underwriting options to understand more about how your policy has been underwritten and how this affects what's covered.

Examples of chronic conditions

View case studies that illustrate how our policies relating to chronic conditions work in practice.

Call our Helpline on 0800 294 7302 if you have any questions about what is covered on your policy.