. Private medical insurance can be an effective way of ensuring swift access to medical care for your family. The majority of standard policies exclude private consultations of a GP, routine check-ups and dental work - unless it is undertaken in a hospital. Other treatments generally excluded from private medical insurance include cosmetic surgery, treatment for alcohol or drug abuse and infertility treatment. The principal aim of private medical insurance goes back a long way. Critical insurance cover will be based on your individual requirements - so shop around for the right policy and always be completely open with your insurance provider, or you may invalidate a claim at a later date.Private medical insurance is a very useful policy to take out, yet the range of policies available means that you should ensure