Private Medical Insurance is a form of insurance intended to cover the costs of private medical treatment for curable, short-term medical conditions - often referred to as acute conditions. Private Medical Insurance will usually cover the costs of medical specialists, surgery, accommodation and nursing, drugs and X-rays. Private medical insurance does not tend to cover the costs of treatment of incurable long-term illnesses such as asthma, diabetes or multiple sclerosis. Such ailments are referred to as chronic illnesses.

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