Insurer & Benefits | Find a broker | |||
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Key Facts - In-patient & Day Case Charges | |
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Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings | |
Full cover | |
Surgeon / Consultant / Specialist & Anaesthetists fees | |
Full cover - subject to fees being reasonable and customary | |
Physicians fees & diagnostic tests | |
Full cover | |
Cancer Treatment Costs - Chemotherapy / Radiotherapy | |
Full cover | |
Psychiatric treatment | |
Full cover (for up to 28 days for in-patient psychiatric treatment per policy year) | |
Six week option | |
Not available | |
Key Facts - Out-patient Charges | |
Complementary medicine | |
Up to £250 for Acupuncture, Chiropractic, Homeopathy and Osteopathy - This is part of the overall out-patient limit of £1,000 | |
Diagnostic tests (excluding scans) | |
Up to £1,000 - This is part of the overall out-patient limit of £1,000 | |
GP referred consultations | |
Up to £1,000 - This is part of the overall out-patient limit of £1,000 | |
Physiotherapy consultant referred | |
Up to £250 - This is part of the limit for Physiotherapy treatment of £250 and the overall out-patient limit of £1,000 | |
Physiotherapy GP referred | |
Up to £250 - This is part of the limit for Physiotherapy treatment of £250 and the out-patient limit of £1,000 (limited to 6 sessions pa for GP referred treatment thereafter referrals must be made by a specialist / consultant) | |
Psychiatric cover | |
Up to £500 - This is part of the overall out-patient limit of £1,000 | |
Radiotherapy / Chemotherapy | |
Full cover | |
Scans - MRI / CT / PET | |
Full cover | |
Surgical Procedures | |
Full cover | |
Key Facts - Additional Benefits | |
NHS cash benefit | |
£100 per night (following treatment as an NHS patient* up to a maximum of £2,000 pa) NHS day care benefit £50 per claim* | |
Nursing at home | |
Full cover with consultant's approval only if following a period of covered in-patient treatment (Limitations apply refer to member guide) | |
Parental accommodation | |
Full cover for a parent to accompany a child up to age 16. Plus £100 a night up to 5 nights for a close relative stay in a hotel | |
Private ambulance | |
£250 per person per policy year for transport to / from a hospital for medical reasons | |
Additional Benefits | |
Alcohol & drug abuse | |
Not covered | |
Annual maximum limit | |
No annual maximum | |
Children covered | |
children can be covered as dependants on a policy until the renewal date following their 25th birthday | |
Chiropractors & Osteopaths | |
Up to £250 - This is part of the overall out-patient limit of £1,000 | |
Dental treatment | |
Specified oral procedures only in hospital | |
Hospice donation | |
Not covered | |
Infertility investigations | |
Not covered | |
Maternity cash benefit | |
Not covered | |
Optional cash benefit | |
Not covered | |
Out of pocket expenses | |
Not covered | |
Overseas cover | |
Not covered | |
Personal & total disability benefit | |
Not covered | |
Post hospital recovery bonus | |
Not covered | |
Pregnancy | |
Full cover for specified abnormal pregnancy conditions | |
Transplants | |
Not covered | |
Other benefits | |
Cancer Enhancements Comprehensive cover enhancments when associated with cancer treatment: * up to £5,000 per policy year - Provision of external prosthesis * up to £150 per policy year - Purchase of wigs * New/experimental procedures - these will now be reviewed by the clinical team and considered for benefit * Experimental drug treatment - will be covered if part of an ethical trial and pre-agreed by us * Cancer follow-ups - No limit on cancer follow ups. * Radiotherapy and chemotherapy cash benefit - £50 up to £2,000 per year when you receive free treatment that would have been eligible for benefit privately * all out-patient consultations or diagnostic tests for cancer will not count towards the £1,000 out-patient limit on Plan 3. |
Insurer & Benefits: | Insurers, Featured Insurers |
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