Can I use med insurance to get a diagnosis

timlock

Can I use medical insurance straight away for a medical problem the nhs have not been able to diagnose in my stomach i also have a hiatus hernia they will not treat I was just wondering if it is like what America do you get the insurance and then use it like you would the nhs and get the treatment you need 

TELLIT01

I take it you don't currently have medical insurance.  If that's the case any pre-existing conditions will normally be excluded from cover which means that the hernia and the undiagnosed condition would not be covered.  If you do already have cover you need to check the t&c for the process of being referred for private treatment.

timlock

Yeah I thought that the hernia would not be included but was unsure about the undiagnosed condition as it essentially hasn’t got a label yet

[Deleted User]

timlock said:

Yeah I thought that the hernia would not be included but was unsure about the undiagnosed condition as it essentially hasn’t got a label yet

 No but you will be asked about investigations & treatment, diagnosed or not and they wont be covered. 

Sandtree

timlock said:

Yeah I thought that the hernia would not be included but was unsure about the undiagnosed condition as it essentially hasn’t got a label yet

Insurance covers you from the risk of a loss... if you are suffering symptoms then this will not be covered by the policy because this isn't a "risk" but a certainty. Insurers aren't stupid and know people have a problem and then buy a policy and "forget" to mention the problem and so have minimum wait periods etc.

You cannot go to the bookies and bet on yesterday's horse race.

If you already had the insurance and started suffering symptoms then for most things the insurer will want a letter/email from your GP saying you need to see a consultant and then the insurer covers the cost of diagnosis and treatment.

dawnybabes

Some work policies cover pre existing issues, have you medical insurance available from there ?