Private medical insurance covers a wide range of medical expenses, which may include consultations with specialists, diagnostic tests (such as blood tests and scans), surgical procedures, hospital stays, and certain medications. The coverage depends on the specific policy and level of coverage chosen.

One of the main benefits of private medical insurance is the ability to choose from a network of private healthcare providers, including doctors, specialists, hospitals, and clinics. This allows individuals to have more control over their healthcare decisions and potentially access faster and more personalized medical care.

Private medical insurance can help individuals avoid long waiting times commonly associated with certain medical treatments in the public healthcare system. This can be particularly beneficial for non-emergency procedures and specialist consultations, where access to timely care is important.

Private medical insurance policies may include additional benefits such as cover for physiotherapy, mental health treatments, dental and optical treatments, maternity care, and wellness programs. These benefits can vary depending on the specific policy and level of coverage selected.

The cost of private medical insurance varies depending on factors such as the level of coverage, the individual's age, medical history, and any pre-existing conditions. Premiums are typically paid on a monthly or annual basis, and some policies may require a waiting period before certain benefits can be claimed.