Like any insurance there's always a list of things that are and aren't covered, health insurance is no different. If of course, you want an exhaustive list of what is and isn't covered you'll need to check with the provider that interests you.
Here's a sample of typical things that health insurance does cover, and some things they typically don't cover, but as mentioned, always check the T&Cs:
Could cover:
- Private diagnostic tests and scans
- Outpatient treatment
- Comprehensive cancer cover
- Cover for physiotherapy and complementary therapies
Typically doesn't cover:
- Pre-existing conditions i.e. a medical condition that you already know about before you buy the policy
- Chronic conditions you have before the policy starts i.e. long lasting conditions with no known cure, like cerebal palsy or epilepsy
- Emergency treatment