Respiratory Cover Through Private Health Insurance

Private medical insurance can fund respiratory consultations and investigations for new breathing symptoms that develop after a policy starts. A chronic cough, breathlessness, suspected sleep apnoea, wheezing or new asthma-like symptoms can be assessed by a private respiratory consultant within days of GP referral, rather than the typical 10-20 week NHS wait. Pre-existing respiratory conditions — including asthma or COPD diagnosed before the policy starts — are not generally covered, though new respiratory symptoms arising after the policy begins typically are.