What private medical insurance does not cover

If you can afford it or get lucky with your employee benefits scheme, full healthcare coverage in the UK seems pretty simple. Use the NHS for your day-to-day life⁠—GP visits, health check-ups, the odd filling or two, plus any emergencies or accidents that your PMI (private medical insurance) scheme won't cover—and PMI to cover the situations which the NHS can't. PMI allows for faster treatment from medical experts (so you can skip those long NHS waiting times), more choice in both doctors and clinics, and access to new and innovative treatments which might not be available on the NHS yet...