Key Facts - In-patient & Day Case Charges |
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| Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings |
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Full cover |
| Surgeon / Consultant / Specialist & Anaesthetists fees |
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Full cover |
| Physicians fees & diagnostic tests |
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Full cover |
| Cancer Treatment Costs - Chemotherapy / Radiotherapy |
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Oncology benefit = £35,500pa |
| Psychiatric treatment |
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Not covered |
Key Facts - Out-patient Charges |
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| Complementary medicine |
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£385 pa for manipulative treatment (such as Physiotherapy, Osteopathy & Chiropractic) and £120 pa for other health care professionals (such as Podiatry/Chiropody, Speech Therapy, Occupational Therapy, Dietician, Acupuncture, Homeopathy) |
| Diagnostic tests (excluding scans) |
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£2,750 pa combined benefit for consultations and diagnostic tests |
| GP referred consultations |
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£1,100 pa |
| Physiotherapy consultant referred |
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£385 pa (within manipulative treatment benefit) |
| Physiotherapy GP referred |
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£385 pa (within manipulative treatment benefit) |
| Psychiatric cover |
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Not covered |
| Radiotherapy / Chemotherapy |
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Oncology benefit = £35,500pa |
| Scans - MRI / CT / PET |
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Within £2,750 pa diagnostic tests benefit |
| Surgical Procedures |
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Full refund for out-patient surgery |
Key Facts - Additional Benefits |
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| NHS cash benefit |
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£200 per night (up to a maximum of £4,000 per year) |
| Nursing at home |
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£35 per day (up to 30 days pa) |
| Parental accommodation |
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Not covered |
| Private ambulance |
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£250 pa |
Additional Benefits |
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| Alcohol & drug abuse |
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Not covered |
| Annual maximum limit |
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No annual maximum |
| Children covered |
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21 years of age |
| Chiropractors & Osteopaths |
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If recommended by member's GP, within £385 manipulative treatment benefit |
| Dental treatment |
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Not covered |
| Hospice donation |
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£250 per year (if the patient requires admission for care) |
| Infertility investigations |
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Not covered |
| Maternity cash benefit |
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Not covered |
| Optional cash benefit |
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Not covered |
| Out of pocket expenses |
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Not covered |
| Overseas cover |
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Not covered |
| Personal & total disability benefit |
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Not covered |
| Post hospital recovery bonus |
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Not covered |
| Pregnancy |
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Not covered |
| Transplants |
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Not covered |
| Other benefits |
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Registration 
