Conditions for which urgent or emergency treatment is needed are not covered by the policy. If you have a serious or life-threatening condition which needs urgent treatment the NHS will treat that condition. Your policy therefore will not offer cover because of its urgent or emergency nature.
Most private hospitals are not set up to receive emergency admissions. In an emergency you should call for an NHS ambulance or visit the accident and emergency (A&E) department at the local NHS hospital. This means that conditions for which urgent or emergency treatment is needed are not covered by the policy.
However, if you are admitted as an inpatient at an NHS hospital, please ask somebody to telephone us as you may be able to claim for the NHS cash benefit shown on the benefits table, in the policy booklet.