Answer:

A chronic condition is a medical condition that has no known cure. It may need constant medication and be persistent and long lasting. If it does go away, it may come back and you might have to be specially trained to be able to cope with it.

Health insurance in the UK does not cover the routine monitoring and medication for chronic conditions as standard, although there are policies that allow some limited level of cover for them.

If you have a policy in place prior to diagnosis, your policy will pay for a number of things. Essentially, consultations, diagnostic testing and treatment up until a diagnosis has been made. Once diagnosed, your treatment will be dealt with via the NHS. Your private health insurance would cover acute flare ups in this scenario.