What's not covered?

Chronic conditions

BCWA spoke and wrote in plain English and I knew exactly what was going on and what was covered.Preferential is designed to cover the cost of private consultations, as well as the diagnostic tests that may be required to diagnose and treat acute medical conditions. It is not intended to replace NHS services, but rather to complement them.

Generally, private health insurance does not cover the treatment of chronic conditions. These are long-term conditions that cannot be cured and where treatment will usually only relieve symptoms.

Examples of chronic conditions

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

Pre-existing Conditions

We also don't cover pre-existing conditions that have not been disclosed to us and accepted by us for benefit.

Unfortunately, if you or your dependants have a medical condition (Pre-existing Condition) at the time of joining the policy, we may not be able to cover that particular condition, or any condition that might develop as a direct result.  View your underwriting options to understand more about how your policy can be underwritten and how this affects what is covered.

Standard exclusions

We don't cover routine GP or dental consultations/treatment, HIV or AIDS and related illnesses on our policies. Further standard exclusions include: cosmetic surgery,
self-inflicted illness and injury, and regular renal dialysis.

Out of scale cover

If you select a hospital scale covering the less expensive hospitals, and you are treated in a more expensive one, you will not be eligible for any of the items listed under Benefit 1 in the Benefit table.

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

Read your underwriting options to understand more about how your policy can be underwritten and how this affects what's covered.

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