Private medical insurance can fund gastroenterology consultations and procedures for new digestive symptoms that develop after a policy starts. Persistent reflux, unexplained weight loss, suspected coeliac disease or worrying bowel symptoms can be assessed and investigated within days, rather than the typical NHS waiting times for endoscopy or colonoscopy. Pre-existing digestive conditions are not generally covered.
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Cover applies to new digestive conditions arising after the policy start date.
PMI typically funds private gastroenterology consultations once your GP refers you for new digestive symptoms. Faster access to consultants means concerns about reflux, IBS-type symptoms, suspected coeliac disease or unexplained bowel changes can be investigated within days of referral — a private gastro consult alone costs £200-£300.
Cover commonly funds gastroscopy and colonoscopy at approved private hospitals to investigate suspected new conditions. Procedures usually include sedation, biopsy collection and pathology reporting, with results returned faster than standard NHS pathways. Private endoscopy and colonoscopy paid out of pocket cost £1,500-£3,500 each.
Eligible treatment may include further investigations, prescribed medication, surgical referrals where appropriate and follow-up consultations to monitor a covered condition. Cancer cover, inflammatory bowel disease treatment limits and biological therapies vary between insurers — a broker compares options for your circumstances.