We don’t cover pre-existing conditions. To keep the cost of our policies down, we don’t cover heart or cancer related procedures, as these are areas the NHS prioritises. We will cover medical procedures when cancer is suspected but not confirmed e.g. biopsies.

We also don’t cover travel expenses to and from the hospital or treatment centre, or the cost of a private ambulance; Physiotherapy, psychiatry and specialist consultations relating to mental health; cosmetic surgery procedures; or procedures which solely involve needle injections.

Inclusions and exclusions vary between policy levels. For a full list, please read the plan guide of your chosen policy.