What is one major limitation of hospital treatment insurance policies compared to standard PMI?

Hospital treatment insurance policies primarily provide coverage for essential medical services such as hospitalization and surgical operations. One significant limitation of these policies compared to standard Private Medical Insurance (PMI) is that they generally restrict coverage to surgical procedures and do not encompass a wider array of healthcare services. Standard PMI often includes benefits for outpatient treatments, preventive care, and specialist consultations, whereas hospital treatment insurance is focused mainly on situations requiring hospitalization.

This distinction means that policyholders may find themselves without coverage for necessary medical services that do not require hospitalization but are nonetheless crucial for overall healthcare management. Therefore, the limitation in coverage focus is a defining characteristic of hospital treatment insurance policies in comparison to the more comprehensive nature of standard PMI.