Health insurance is beneficial for individuals and families who want financial security and quick access to healthcare services. It provides peace of mind in case of unexpected medical expenses.

Yes, you can usually obtain private health insurance with a pre-existing condition, but coverage and premiums may vary. Some insurers may offer coverage with exclusions or waiting periods, while others may provide full coverage with higher premiums.

An excess in health insurance is the amount you agree to pay out of pocket before your insurance coverage kicks in. It’s a cost-sharing mechanism that helps lower insurance premiums. Higher excess amounts typically result in lower premiums.

Private medical insurance typically does not cover pre-existing conditions (at least initially), cosmetic procedures, elective treatments, and certain high-risk or experimental treatments. It’s essential to review your policy to understand exclusions.

Whether you need a medical examination for private health insurance depends on your age, medical history, and the insurer’s requirements. Some policies may require medical underwriting, which could involve a medical examination or questionnaire, while others may not.