Registration 
| Insurer & Benefits | Find a broker | |||
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VIP is a comprehensive medical insurance plan for small corporates with 3+ employees
Key Facts - In-patient & Day Case Charges | ||
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| Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings | ||
| No annual maximum | ||
| Surgeon / Consultant / Specialist & Anaesthetists fees | ||
| No annual maximum | ||
| Physicians fees & diagnostic tests | ||
| No annual maximum | ||
| Cancer Treatment Costs - Chemotherapy / Radiotherapy | ||
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Cover Level - Level 1
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Cover level 1 - No annual maximum | |
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Cover Level - Level 2
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Cover level 2 - No annual maximum | |
| Psychiatric treatment | ||
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Psychiatric - No
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Not covered | |
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Psychiatric - Yes
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No annual maximum | |
| Six week option | ||
| Not available | ||
Key Facts - Out-patient Charges | ||
| Complementary medicine | ||
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Cover Level - Level 1
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Cover level 1 - No annual maximum Max of 20 sessions pa for GP referred Physiotherapy and/or complementary therapy |
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Cover Level - Level 2
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Cover level 2 - No annual maximum Max of 10 sessions pa for GP referred Physiotherapy and/or complementary therapy |
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| Diagnostic tests (excluding scans) | ||
| No annual maximum | ||
| GP referred consultations | ||
| No annual maximum | ||
| Physiotherapy consultant referred | ||
| No annual maximum | ||
| Physiotherapy GP referred | ||
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Cover Level - Level 1
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Cover level 1 - No annual maximum Max of 20 sessions pa for GP referred Physiotherapy and/or complementary therapy |
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Cover Level - Level 2
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Cover level 2 - No annual maximum Max of 10 sessions pa for GP referred Physiotherapy and/or complementary therapy |
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| Psychiatric cover | ||
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Psychiatric - No
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Not covered | |
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Psychiatric - Yes
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No annual maximum | |
| Radiotherapy / Chemotherapy | ||
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Cover Level - Level 1
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Cover level 1 - No annual maximum | |
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Cover Level - Level 2
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Cover level 2 - No annual maximum | |
| Scans - MRI / CT / PET | ||
| Paid in full | ||
| Surgical Procedures | ||
| No annual maximum | ||
Key Facts - Additional Benefits | ||
| NHS cash benefit | ||
| Day-patient and out-patient radiotherapy and chemotherapy £50 per day plus £100 per night in-patient stay (up to £5,000 per year) | ||
| Nursing at home | ||
| Paid in full (for administration of intravenous chemotherapy or intravenous antibiotics which would otherwise require the member to be admitted for in-patient or day-case treatment) | ||
| Parental accommodation | ||
| Paid in full (child under 16) | ||
| Primary care | ||
| Not covered | ||
| Private ambulance | ||
| Paid in full | ||
Additional Benefits | ||
| Alcohol & drug abuse | ||
| Not covered | ||
| Annual maximum limit | ||
| No annual maximum | ||
| Children covered | ||
| Unmarried children can stay on the policy up to the renewal date following their 30th birthday irrespective of full-time education | ||
| Chiropractors & Osteopaths | ||
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Cover Level - Level 1
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Cover level 1 - No annual maximum Max of 20 sessions pa for GP referred Physiotherapy and/or complementary therapy |
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Cover Level - Level 2
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Cover level 2 - No annual maximum Max of 10 sessions pa for GP referred Physiotherapy and/or complementary therapy |
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| Dental treatment | ||
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Optical & Dental - Yes
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Dental care Up to £150 each year. 75% of the costs incurred max per year |
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| Specified oral surgical procedures only | ||
| GP minor surgery | ||
| Not covered | ||
| GP Referred Chiropody, Podiatry or Homeopathy | ||
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Cover Level - Level 1
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Cover level 1 - No annual maximum Up to 20 sessions pa for GP referred Physiotherapy and/or complementary treatment (no cover for Chiropody and Podiatry) |
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Cover Level - Level 2
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Cover level 2 - No annual maximum Up to 10 sessions pa for GP referred Physiotherapy and/or complementary treatment (no cover for Chiropody and Podiatry) |
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| Hospice care cash benefit | ||
| £100 a night to a hospice charity when terminal patients are receiving hospice care. No maximum. | ||
| Infertility investigations | ||
| Not covered | ||
| Maternity cash benefit | ||
| £150 per child (provided mother covered for 10 continuous months) | ||
| Optional cash benefit | ||
| Not covered | ||
| Out of pocket expenses | ||
| Not covered | ||
| Overseas cover | ||
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Travel - No
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Not covered | |
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Travel - Yes
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Description | Amount |
| Medical benefits | ||
| 1. Medical and additional expenses | £5,000,000 | |
| 2. Personal accident. For loss of limbs, sight or death caused solely by an external accident | £30,000 | |
| 3. Repatriation of mortal remains to the UK. Up to for local burial and cremation | Covered | |
| 4. Emergency repatriation or evacuation plus emergency return of partner and children if applicable | Covered | |
| Travel benefits | ||
| 5. Delayed departure | £50 for every 12 hours up to a maximum of £200 | |
| 6. Cancellation or loss of deposit arising due to illness, bereavement, injury, jury service | £5,000 | |
| 7. Missed departure. Additional costs to reach destination if due to bad weather, strike or | £1,000 | |
| 8. Curtailment due to illness, injury or death | £5,000 | |
| 9. Ship to Shore for airlift from a cruise ship, if required | £25,000 | |
| Personal possessions | ||
| 10. Loss or damage to baggage/personal effects | Up to £350 for a single item up to an overall maximum of £1,500 | |
| 11.Personal money/travellers cheques if lost or stolen | Up to £250 for cash up to an overall maximum of £500 | |
| 12.Personal liability. Indemnity against legal liability to the public for accidental injury or damage to persons/property | £2,000,000 | |
| 13.Legal expenses. Costs to pursue legal actions as a result of illness, injury or death, if advised within 90 days | £25,000 | |
| Personal & total disability benefit | ||
| Not covered | ||
| Post hospital recovery bonus | ||
| Not covered | ||
| Pregnancy | ||
The following conditions would be considered for treatment: • ectopic pregnancy (where the foetus is growing outside the womb) • hydatidiform mole (abnormal cell growth in the womb) • retained placenta (afterbirth retained in the womb) • placenta praevia • eclampsia (a coma or seizure during pregnancy and following pre-eclampsia) • diabetes (If you have exclusions because of your past medical history which relate to diabetes, then you will not be covered for any treatment for diabetes during pregnancy) • post partum haemorrhage (heavy bleeding in the hours and days immediately after childbirth) • miscarriage requiring immediate surgical treatment • failure to progress in labour |
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| Stress counselling helpline | ||
| Telephone counselling, unlimited calls | ||
| Transplants | ||
We will consider reasonable costs incurred for a live donor to donate an organ or tissue provided that: * the operations to the donor and the recipient are carried out at the same time; and either * the donor and the recipient are immediate relatives (parent, child or sibling) and either the donor or the recipient is covered on this policy; or * the donor and the recipient are both members at the time the operations are carried out and both have been members since before the recipient developed the medical condition requiring the transplant |
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| Other benefits | ||
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Cover Level - Level 1
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Cover Level 1 Accidental death £15,000 will be paid if you have an accident, which results in your death solely and independently of any other cause within 90 days of such accident |
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Cover Level - Level 1
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Planned treatment overseas Cover is available for eligible treatment received outside of the United Kingdom, subject to all other benefit limitations and exclusions on your policy. Should you need eligible treatment and want to receive this outside of the United Kingdom, provided the fee has been agreed by AXA PPP healthcare prior to the overseas journey and it is carried out by a medical practitioner, you will be covered up to the cost of equivalent treatment had it been received in the United Kingdom. However, this policy does not provide cover for complications which arise as a result of treatment received outside of the United Kingdom Important information: the overseas cover provided under cover level one is not designed to provide cover for unplanned treatment received abroad. |
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Optical & Dental - Yes
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Optical cover. Up to £140 each year for prescribed glasses or prescribed contact lenses. Up to £25 each year for an eye test. |
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Heart and Cancer Commitment * £5,000 for external prostheses (such as limbs) and up to £150 for wigs. * Axa PPP will consider requests for experimental surgery which will be reviewed by our clinical team. * If experimental drug treatment is needed then we will cover it if it is part of an ethical trial and pre agreed by us. In addition injectable hormone treatment and bisphosphonate treatment used to manage cancer will be fully covered while active treatment is being received. * Access to a dedicated heart nurse * No time limits for ongoing check ups following heart surgery * Full refund on palliative care |
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