Will My Health Insurance Cover Coronavirus?

I have a Health Insurance policy I took out a few years ago and was wondering where I stand given the spread of coronavirus in the UK. Would I be entitled to treatment in a private hospital as I’ve had for other conditions should I develop coronavirus?

Question asked by Mr JR Snell

Does Private Health Insurance Cover Coronavirus?

Health Insurance pays the bill for private medical treatment in a private hospital setting.

However, the situation with coronavirus is new and very different from what private hospitals are set up to provide in the UK.

Private hospitals don’t have onsite Accident & Emergency Departments, for instance, which may be a crucial component in your care if you develop severe symptoms having contracted the virus.

Moreover, emergency care isn’t covered by Private Health Insurance and you’d need to use the NHS for it anyway.

NHS hospitals are much more geared up to provide supportive treatment and stem the spread of the infection, with ready access to intensive care beds and isolation units, as well as other infectious disease control measures.

Given that you’ll need treatment in isolation from other patients and with proper infection control measures, the NHS is much better set up to provide than any private hospital operating in the UK.

As such, your Health Insurance is not only unlikely to cover coronavirus, but you’ll find yourself in better and more capable hands under the NHS.

What you may receive depending on your insurer and your policy is a fixed lump sum for each night spent in an NHS hospital with the illness, although whether this applies to you will depend on your policy’s terms.

I've had a very good experience. Sophie kept me up to date and was very helpful. I am really pleased with the product I received and the whole process was much easier than if I had attempted to do it myself.

Katherine Collins
05/05/2020
Compare Top 10 UK Insurers
Takes approx. 60 seconds

Or call us on 0208 432 7333

Compare Top UK Insurer Quotes Logos
Will I Have Lower Health Insurance Premiums if I Exercise?
Will I have lower health insurance premiums if I exercise? I go to the gym 3-4 times a week doing mainly aerobic exercise, I live a generally healthy lifestyle and wanted to know whether I would benefit from telling my health insurer and whether it would
Will My Health Insurance Premiums Rise Over Time?
Will my health insurance premiums rise over time? I am considering taking out a health insurance policy and wanted to know whether the premiums would raise over time?
I am Close to Retirement, Are There Specific Senior Health Insurance Plans?
I am close to retirement, are there specific senior health insurance plans? Now I am closing in on retirement I am reviewing my current situation
Does Smoking Increase Health Insurance Premiums?
I am a smoker, will this increase my private health insurance premiums? I smoke about 10 cigarettes per day and I know sometimes this can increase insurance premiums
Will Private Medical Insurance Cover Me While Abroad on Holiday?
Will my private medical insurance cover me abroad whilst on holiday? I am looking to take out private medical insurance and I was wondering if this would cover me on holidays abroad?
Will My Medical Insurance Cover Me for Emergencies?
Will my medical insurance cover me for emergencies? I am considering taking out a health insurance policy and wanted to know whether it would cover emergencies or whether that is still via the NHS?
Contact Us
Head Office & Pensions and Investments
Millennium Bridge House
2 Lambeth Hill
London
EC4V 4GG
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
Drewberry London Office MapDrewberry Brighton Office Map
Our Core Principles
  • 1You Come FirstWe are a client focused business who always aim to put you first.
  • 2We are ExpertsTo provide you with the best advice, we need to know our stuff!
  • 3We are HumanWe are real people with feelings who are here to help you.
  • 4We are ProfessionalProviding a 5-star service requires a professional approach to everything we do.
  • 5We are here to EducateWe don't believe in sales, we are here to educate so you can make informed decisions.
Finalist - Moneyfacts AwardsFinalist - Cover Excellence AwardsHighly Commended - Protection Review Awards
Proud member of AMII (Association of Medical Insurers & Intermediaries)Proud member of Money Advice ServiceProud member of UnbiasedProud member of BIBA (British Insurance Brokers' Association)
Cookie Use

Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies. If you would like to know more about cookies and how to manage them please view our privacycookie policy.