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*Premiums may vary depending on each individual’s circumstances. The £23 from price is based off a 30 Year Old Individual, Mid Level, 200 excess outside of London.
** SKY News: https://news.sky.com/story/nhs-waiting-list-increases-for-first-time-in-seven-months-13368251
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Private Medical Insurance coverage typically starts from the first day of your policy, but you won't usually be covered for pre-existing conditions. You can generally make a claim as soon as you have symptoms or need treatment, but it's crucial to first consult your GP for a referral and then pre-authorise treatment with your insurance provider.