Is health insurance available for everyone? : London Health

Health insurance is not available for everyone; all policies will cover people who are in good general health, but the vast majority will not insure people with serious existing health conditions and chronic, long-term illnesses. Some policies have age restrictions and many patients will have to undergo a medical before they can be insured. It is best to discuss your individual situation with a representative from the insurance company. In general, health insurance policies are designed to cover private treatment for short-term illnesses that can easily be cured. Health conditions and treatments commonly excluded from private health insurance policies include:

  • HIV and AIDS
  • Illnesses caused by drug abuse
  • Infertility
  • Illnesses associated to pregnancy
  • Chronic illnesses such as osteoarthritis
  • Cosmetic surgery
  • Gender reassignment surgery
  • Organ transplants
  • Advanced cases of cancer
  • Severe heart disease

Private health insurance may also not be offered to those who regularly participate in dangerous sports or those with dangerous careers.

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