Providing information and support for PMI professionals
within the Private Medical Insurance Industry.
Home | Contact | Subscription | Terms & Conditions | About us | Support
Login     Registration

PHC - HealthCare 4 Life - Plan 2

No longer available to New Business from 1st September 2006

The 4 in 1 plan has been one of the most exciting product innovations within medical insurance over the last few years, replacing traditional medical insurance premium rating with the unusual and attractive age at entry pricing structure. The Healthcare 4 Life plan is designed to provide clients with a plan that solves the financial burden created by premiums rising steeply due to increasing age. Members with a healthy lifestyle can also benefit from a substantial discount for non-smokers and an extra discount for being a member of a gym.

The four plans available are designed to give the flexibility to select combinations of in-patient, out-patient and additional benefits, giving clients the freedom to match the plans to their own requirements for cover and cost.

Benefits

Psychiatric cover All Yes No

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
Full cover
Surgeon / Consultant / Specialist & Anaesthetists fees
Full cover
Physicians fees & diagnostic tests
Full cover
Cancer Treatment Costs - Chemotherapy / Radiotherapy
Full cover
Psychiatric treatment
Psychiatric cover - No
The benefit has been removed
Psychiatric cover - Yes
Full cover (for up to 28 days for in-patient psychiatric treatment per policy year)

Key Facts - Out-patient Charges

Complementary medicine
Not covered
Diagnostic tests (excluding scans)
Full cover
GP referred consultations
Full cover
Physiotherapy consultant referred
Up to £1,500 per person per year (limited to 10 sessions pa for GP-referred treatment after that referrals must be made by a specialist/consultant) - part of the overall £1,500 limit for Physiotherapy treatment, Therapies, and O/P Psychiatric
20 sessions pa (on GP referral) Full cover post hospitalisation
Physiotherapy GP referred
20 sessions pa (on GP referral) Full cover post hospitalisation
Psychiatric cover
£1,000 pre-hospitalisation, and another £1,000 post-hospitalisation
Radiotherapy / Chemotherapy
Full cover
Scans - MRI / CT / PET
Full cover
Surgical Procedures
Full cover

Key Facts - Additional Benefits

NHS cash benefit
£50 per night, max 50 nights
Nursing at home
Full cover
Parental accommodation
Not covered
Private ambulance
Not covered

Additional Benefits

Alcohol & drug abuse
Not covered
Annual maximum limit
No annual maximum
Children covered
Up to 18th birthday or 25 if still in full-time education
Chiropractors & Osteopaths
Not covered
Dental treatment
Oral surgery only
Hospice donation
Not covered
Infertility investigations
Not covered
Maternity cash benefit
Not covered
Optional cash benefit
Optional increased NHS cash benefit £100 per night, max 50 nights
Out of pocket expenses
Not covered
Overseas cover
Not covered
Personal & total disability benefit
Not covered
Post hospital recovery bonus
Not covered
Pregnancy
Not covered
Transplants
Not covered
 
Insurer & Benefits: Insurers, Featured Insurers
Find a broker: Find a Broker
ABOUT SSL CERTIFICATES