Have you heard about private healthcare insurance in the UK? Even if you have heard, do you no how exactly it works? In this article, I will talk about what private healthcare insurance is and how it works.Private healthcare insurance covers costs for treatments which usually result from short term illnesses. Generally, any short term illnesses or injuries which are curable are covered under the private healthcare insurance. In the UK, a large number of people choose to get treatment on the NHS. This is the cheapest method, but not the most convenient. Today, issues with the long waiting lists, extended periods of waiting are making people go with an alternative to the NHS. Although private healthcare insurance plans are not a complete alternative, people get the convenience they need, privacy and the treatment much faster than on the NHS.In fact, with most healthcare plans, you even choose when you want to get treated. For example, if you want your treatment to take place tomorrow, you have to option to do that. Moreover, with most plans, you even decide which health care professional will take care of your treatment and in which private hospital or clinic.The main benefit of taking out a private medical insurance plan in the UK is that you can avoid the waiting lists and receive a speedier treatment. Moreover, you also have the peace of mind that you will save yourself from those huge medical bills that you would have to pay out of your pocket if you were not covered.Under some insurance plans, you also have to choice to decide for which conditions you would like to be treated privately and for which conditions under the NHS.Types of Private Healthcare InsuranceThere are a large number of different types of insurance plans available. Moreover, with the increasing number of health insurance providers, it can be even more difficult to choose a plan that will be the right choice for you. Some plans cover overnight and in-patient stays. Other types which are usually more expensive cover out patient treatments as well.You also have the option to choose if you would like to receive treatment for certain conditions overseas. Different plans offer different coverage and it is important you understand what is covered in your policy and what is not.Health Insurance for Pre Existing ConditionsThere are also insurance plans which provide cover for pre existing conditions. Pre existing conditions are those sicknesses or diseases which you had already been suffering from prior to signing up for your insurance plan. Some plans do not provide cover for pre existing conditions. For this reason, it is important that you find out whether or not the plan you are taking up provides such coverage. Some companies may offer coverage for pre existing conditions, but you will have to meet some of their requirements to be eligible for such coverage. Usually, they may require you to pay higher premiums and your coverage will start only after a waiting period. During this waiting period, you should not have received treatment for your pre existing condition.