The more basic policies usually pick up the costs of most in-patient treatments – such as tests and surgery – and day-care surgery.
Some policies extend to out-patient treatments – such as specialists and consultants – and might pay you a small fixed amount for each night you spend in an NHS hospital.
Your healthcare insurance won’t usually cover private treatment for:
organ transplants
pre-existing medical conditions
normal pregnancy and childbirth costs
cosmetic surgery to improve your appearance
injuries relating to dangerous sports or arising from war or war-like hostilities
chronic illnesses such as HIV/AIDs-related illnesses, diabetes, epilepsy, hypertension (high blood pressure) and related illnesses.
You might be able to choose a policy that covers mental health, depression and sports injuries, but these aren’t always covered.
https://www.moneyhelper.org.uk/en/everyday-money/insurance/do-you-need-private-medical-insurance
Fine. So someone who knows nothing but thinks they’re insured gets turned away. They end up thinking the guy who denied treatment ought to get shot.
Perhaps insurance should cover emergencies and life saving treatments only. Car insurance doesn’t pay for tune ups or oil changes so patients should pay for blood tests and check ups. Health savings accounts are the answer,