
22/07/2025
“What does private health insurance actually cover?”
It’s one of the questions we get asked most - and the answer depends on your policy.
Here’s a simple breakdown of the most common types of cover:
Almost all policies cover these as standard:
🔹 Inpatient care – hospital treatment where you stay overnight (e.g. surgery, scans)
🔹 Outpatient care – consultations, diagnostics, and treatments without an overnight stay
🔹 Private rooms & comfort – shorter waiting times and private hospital facilities
🔹 Cancer cover – faster diagnosis, access to advanced drugs and treatments
Many cover these, though some require specific add-ons:
🔹 Mental health support – therapy sessions, psychiatrist appointments, inpatient stays
🔹 Virtual GP services – 24/7 access to doctors via phone or app
🔹 Therapies – physiotherapy, osteopathy, chiropractic care
Some policies cover all of this, others just a few key areas — and we help you build the right mix for your needs or your team’s.
Want help understanding what’s included or what’s worth it? Just drop us a message.