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PHC - HealthCare 4 Life - Plan 4
PHC - HealthCare 4 Life - Plan 4
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
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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Full cover |
| Psychiatric treatment |
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£5,000 pa (not available for first 12 months) |
Key Facts - Out-patient Charges |
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| Complementary medicine |
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Not covered |
| Diagnostic tests (excluding scans) |
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Only for post-hospitalisation - Full cover for diagnostic tests |
| GP referred consultations |
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Only for post-hospitalisation - Full cover for consultations with Specialists |
| Physiotherapy consultant referred |
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Only for post-hospitalisation - Full cover |
| Physiotherapy GP referred |
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Only for post-hospitalisation - Full cover |
| Psychiatric cover |
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Only for post-hospitalisation - £1,000 pa for acute treatment |
| Radiotherapy / Chemotherapy |
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Post hospitalisation only - Full cover |
| Scans - MRI / CT / PET |
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Post hospitalisation only - Full cover |
| Surgical Procedures |
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Not covered |
Key Facts - Additional Benefits |
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| NHS cash benefit |
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£50 per night, max 50 nights |
| Nursing at home |
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Full cover |
| Parental accommodation |
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Not covered |
| Private ambulance |
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Not covered |
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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Up to 18th birthday or 25 if still in full-time education |
| Chiropractors & Osteopaths |
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Not covered |
| Dental treatment |
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Oral surgery only |
| Hospice donation |
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Not covered |
| 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 |
Registration 
