Worked for BUPA in a past life...
Things to consider -
if you have been referred for a Gynae OP appointment it is highly unlikely, you will be covered for any condition with the symptoms you are currently experiencing. Pre-existing Conditions doesn't just cover diagnosed illnesses, but signs and symptoms you have too. So if you're looking for a policy to cover you for the current referral - ain't gonna happen for a policy for an individual - some company ones might cover you. Big might.
Scotland will have a solid private medical provision in places such as Edinburgh, Glasgow, Aberdeen, so consider this in relation to where you live.
Cancer treatment you'll end up in the NHS - the only thing your private cover will get you is an earlier initial consultation. Though obviously that can be a huge benefit in itself.
Not so. In fact for new & expensive treatments, you could have access to these before NHS patients do. And yes I know this for a fact.
However there are very few private hospitals in the UK as a whole which will take children for inpatient care so you may find yourself relying on the NHS for them.
£60 sounds very very cheap and you will get what you pay for for private medical insurance. Ask friends and neighbours for their experiences locally.
Check the excess levels, and bear in mind you'll pay an excess for each person using their outpatient benefit, so if the excess is £200, each person will have to pay the 1st £200 for each claim, each year, so in effect £800 for a 4 person family.
Check the amount for physio, and other outpatient benefits?
Does the insurance company have an approved list of providers and what's the coverage like in your area.
Some policies have a waiting time built in, eg you can only claim if the NHS wait is longer than XX.