What is typically not covered under a basic PMI plan?

In the context of a basic Private Medical Insurance (PMI) plan, cosmetic procedures are typically not covered. Basic PMI plans aim to provide coverage for essential healthcare needs, which include necessary medical treatments that are critical for health and wellbeing. This encompasses services such as inpatient hospitalization and major surgeries which are considered medically necessary.

Cosmetic procedures, on the other hand, are often elective and not aimed at treating a specific medical condition. They fall outside the realm of what basic PMI plans generally consider necessary healthcare; therefore, they are usually excluded from coverage. Insurers distinguish between necessary medical interventions and those that are purely for aesthetic improvement, leading to the exclusion of cosmetic treatments from most fundamental health insurance policies.