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PHC - HealthCover 4 Life (Plan 4)
PHC - HealthCover 4 Life (Plan 4)
Four plans are available providing a choice of uncomplicated yet comprehensive insurance to suit your clients' needs in terms of both cover and budget. We provide our individual clients with even greater flexibility by offering a number of options with each plan.
Clients can chose between different levels of benefits, excesses and hospitals. Starting with the comprehensive cover of the Plan 1 through to the budget option of Plan 4.
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 - subject to fees being reasonable and customary |
| 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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Not covered |
| Six week option |
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Not available |
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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Not covered |
| GP referred consultations |
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Not covered |
| Physiotherapy consultant referred |
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Not covered |
| Physiotherapy GP referred |
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Not covered |
| Psychiatric cover |
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Not covered |
| Radiotherapy / Chemotherapy |
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Full cover |
| Scans - MRI / CT / PET |
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Not covered |
| Surgical Procedures |
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Not covered |
Key Facts - Additional Benefits |
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| NHS cash benefit |
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£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 |
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Not covered |
| Parental accommodation |
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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 |
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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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children can be covered as dependants on a policy until the renewal date following their 25th birthday |
| Chiropractors & Osteopaths |
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Not covered |
| Dental treatment |
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Specified oral procedures only in hospital |
| 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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Full cover for specified abnormal pregnancy conditions |
| Transplants |
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Not covered |
| Other benefits |
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Registration 
