What are the differences between primary, secondary and tertiary care?
Primary care includes your local GP, A&E, dentist, opticians and ambulances. These services are operated by the NHS and they will be your first point of contact whether it is an emergency or not. Secondary care is where the real value of having private medical cover lies. For example, if your GP was to see you first, they can refer you on to a specialist in a private hospital. Here you get all the benefits of private healthcare, particularly the benefit of choosing where and when to be seen, as well as by whom. Tertiary care refers to being treated in a specialist hospital within the insurer’s network of private hospitals. For example, if you need treatment on your knee, you may be treated at a hospital with a good reputation for knee surgery. What are chronic conditions? Chronic conditions are those which are either indefinite, can resurface after a period of time and/or have no known cure, such as asthma, diabetes and arthritis. If the condition is not excluded from cover in the firs
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