Home > WPA - Flexible Health Scheme (and Freelance Option)

WPA - Flexible Health Scheme (and Freelance Option)

Closed to new business customers

A compulsory Shared Responsibility Option must be taken on this policy, WPA pays 75% of claims up to the selected annual limit the policy holder pays the remaining 25%. Once the limit is reached WPA will pay 100% of the claim until the next policy year.

Option 1. Annual limit of £ 500 offers 30% discount.
Option 2. Annual limit of £1,000 offers 47% discount.
Option 3. Annual limit of £3,000 offers 56% discount.
Option 4. Annual limit of £5,000 offers 64% discount.

Benefits

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Full refund of customary and reasonable fees
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full refund of customary and reasonable fees
Physicians fees & diagnostic tests
	Full refund of customary and reasonable fees
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Full refund of customary and reasonable fees
Psychiatric treatment
	Essential only - Nil
Key Facts - Out-patient Charges
Complementary medicine
	Essential only - Nil
	Therapy Option provides £1,000 benefit per person pa for Physiotherapy, Osteopathy, Chiropractic, Chiropody / Podiatry, Speech & Language, Acupuncture, Dietary Services and Homeopathy
Diagnostic tests (excluding scans)
	Out-patient option provides full cover for diagnostic tests.
	Essential option Full cover for Pre-admission tests 2 weeks prior to operation
GP referred consultations
	Essential option provides £100 pa for consultations
	Out-patient option - provides full refund for consultations
Physiotherapy consultant referred
	Essential only - Nil
	Therapy Option provides £1,000 benefit per person pa for Physiotherapy, Osteopathy, Chiropractic, Chiropody / Podiatry, Speech & Language, Acupuncture, Dietary Services and Homeopathy
Physiotherapy GP referred
	Essential only - Nil
	Therapy Option provides £1,000 benefit per person pa for Physiotherapy, Osteopathy, Chiropractic, Chiropody / Podiatry, Speech & Language, Acupuncture, Dietary Services and Homeopathy
Psychiatric cover
	Essential only - Nil
Radiotherapy / Chemotherapy
	Full refund
Scans - MRI / CT / PET
	Essential Option - provides Full refund on MRI / CT / PET scans only
Surgical Procedures
	Diagnostic endoscopic procedures - Full refund
Key Facts - Additional Benefits
NHS cash benefit
	£100 per night (up to £5,000 pa)
Nursing at home
	Full refund (up to 4 weeks following in-patient treatment)
Parental accommodation
	Full refund
Private ambulance
	Full refund (for medical reasons)
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	None
Children covered
	Up to age 21 or 25 in FTE
Chiropractors & Osteopaths
	Essential only - Nil
	Therapy Option provides £1,000 benefit per person pa for Physiotherapy, Osteopathy, Chiropractic, Chiropody / Podiatry, Speech & Language, Acupuncture, Dietary Services and Homeopathy
Dental treatment
	Essential only - Nil
	Dental Option £10,000 for serious dental problems, £20,000 for dental injuries, £250 per episode (up to £1,000 pa) for dental emergencies, 75% of costs up to £250 pa for routine dental treatment
Hospice donation
	£70 per day / night up to £700 per plan year
Infertility investigations
	Essential only - Nil
Maternity cash benefit
	Cash Plan - Benefit level 2 - Optical up to £150 pa, GP fees up to £60 pa, NHS prescription items up to 6 items pa, attendance A & E department £40 per visit up to £200 pa, maternity benefit £300 per child, paternity benefit £300 per child, post hospital recovery bonus Up to £400 pa after 14 consecutive nights in hospital
	Cash Plan - Benefit level 1 - Optical up to £75 pa, GP fees up to £30 pa, NHS prescription items up to 3 items pa, attendance to A & E department £20 per visit up to £100 pa, maternity benefit £150 per child, paternity benefit £150 per child, post hospital recovery bonus Up to £200 pa after 14 consecutive nights in hospital
Optional cash benefit
	Cash Plan - Benefit level 1 - Optical up to £75 pa, GP fees up to £30 pa, NHS prescription items up to 3 items pa, attendance to A & E department £20 per visit up to £100 pa, maternity benefit £150 per child, paternity benefit £150 per child, post hospital recovery bonus Up to £200 pa after 14 consecutive nights in hospital
	Cash Plan - Benefit level 2 - Optical up to £150 pa, GP fees up to £60 pa, NHS prescription items up to 6 items pa, attendance A & E department £40 per visit up to £200 pa, maternity benefit £300 per child, paternity benefit £300 per child, post hospital recovery bonus Up to £400 pa after 14 consecutive nights in hospital
	Essential only - Nil
Out of pocket expenses
	Up to £5 per night / day whilst in hospital
Overseas cover
	Worldwide Option taken (Repatriation/Evac = Full cover, Family assistance = Full cover - both subject to limit of £250k for trips up to 35 days within 90 day limit)
Personal & total disability benefit
	Essential only - Nil
Post hospital recovery bonus
	Essential only - Nil
Pregnancy
	Essential only - Nil
Transplants
	Essential only - Nil

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings

Full refund of customary and reasonable fees

Surgeon / Consultant / Specialist & Anaesthetists fees

Full refund of customary and reasonable fees

Physicians fees & diagnostic tests

Full refund of customary and reasonable fees

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Full refund of customary and reasonable fees

Psychiatric treatment

Essential only - Nil

Key Facts - Out-patient Charges

Complementary medicine

Essential only - Nil

Therapy Option provides £1,000 benefit per person pa for Physiotherapy, Osteopathy, Chiropractic, Chiropody / Podiatry, Speech & Language, Acupuncture, Dietary Services and Homeopathy

Diagnostic tests (excluding scans)

Out-patient option provides full cover for diagnostic tests.

Essential option Full cover for Pre-admission tests 2 weeks prior to operation

GP referred consultations

Essential option provides £100 pa for consultations

Out-patient option - provides full refund for consultations

Physiotherapy consultant referred

Essential only - Nil

Therapy Option provides £1,000 benefit per person pa for Physiotherapy, Osteopathy, Chiropractic, Chiropody / Podiatry, Speech & Language, Acupuncture, Dietary Services and Homeopathy

Physiotherapy GP referred

Essential only - Nil

Therapy Option provides £1,000 benefit per person pa for Physiotherapy, Osteopathy, Chiropractic, Chiropody / Podiatry, Speech & Language, Acupuncture, Dietary Services and Homeopathy

Psychiatric cover

Essential only - Nil

Radiotherapy / Chemotherapy

Full refund

Scans - MRI / CT / PET

Essential Option - provides Full refund on MRI / CT / PET scans only

Surgical Procedures

Diagnostic endoscopic procedures - Full refund

Key Facts - Additional Benefits

NHS cash benefit

£100 per night (up to £5,000 pa)

Nursing at home

Full refund (up to 4 weeks following in-patient treatment)

Parental accommodation

Full refund

Private ambulance

Full refund (for medical reasons)

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

None

Children covered

Up to age 21 or 25 in FTE

Chiropractors & Osteopaths

Essential only - Nil

Therapy Option provides £1,000 benefit per person pa for Physiotherapy, Osteopathy, Chiropractic, Chiropody / Podiatry, Speech & Language, Acupuncture, Dietary Services and Homeopathy

Dental treatment

Essential only - Nil

Dental Option
£10,000 for serious dental problems,
£20,000 for dental injuries,
£250 per episode
(up to £1,000 pa) for dental emergencies, 75% of costs up to £250 pa for routine dental treatment

Hospice donation

£70 per day / night up to £700 per plan year

Infertility investigations

Essential only - Nil

Maternity cash benefit

Cash Plan - Benefit level 2 - Optical up to £150 pa, GP fees up to £60 pa, NHS prescription items up to 6 items pa, attendance A & E department £40 per visit up to £200 pa, maternity benefit £300 per child, paternity benefit £300 per child, post hospital recovery bonus Up to £400 pa after 14 consecutive nights in hospital

Cash Plan - Benefit level 1 - Optical up to £75 pa, GP fees up to £30 pa, NHS prescription items up to 3 items pa, attendance to A & E department £20 per visit up to £100 pa, maternity benefit £150 per child, paternity benefit £150 per child, post hospital recovery bonus Up to £200 pa after 14 consecutive nights in hospital

Optional cash benefit

Essential only - Nil

Out of pocket expenses

Up to £5 per night / day whilst in hospital

Overseas cover

Worldwide Option taken (Repatriation/Evac = Full cover, Family assistance = Full cover - both subject to limit of £250k for trips up to 35 days within 90 day limit)

Personal & total disability benefit

Essential only - Nil

Post hospital recovery bonus

Essential only - Nil

Pregnancy

Essential only - Nil

Transplants

Essential only - Nil


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