What's not covered?

BCWA spoke and wrote in plain English and I knew exactly what was going on and what was covered.With Personal Health you choose from a range of options. The extent of your cover will depend on the options you have selected and these are confirmed on your Membership Certificate.

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 won't cover routine GP or dental consultations, HIV or AIDS and related illnesses on our policies.

Personal Health does not provide cover for psychiatric treatment or treatment received outside the UK.

Find out about standard exclusions for Personal Health.

Any exclusions, specific to your cover, will be shown on 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 work in practice.

Call our Helpline on 0800 294 7301 if you have any questions about what is covered on your policy.