Home > WPA - 1XS

WPA - 1XS

1XS is a comprehensive health insurance policy designed with a very low premium and one single excess for the whole family.

The problem with other health plans that offer excesses is that the excess is often per person per claim. With 1XS, you know exactly where you stand. No matter how many people you cover and however frequently they claim, your maximum excess payment in any 12 months cannot exceed £1,500. You get quality health cover without the high price tag.

The excess works on a ´rolling´ basis which means that once treatment costs exceed your excess limit within a 12 month period, WPA will cover the cost in full for all eligible treatment for a further 12 months. So in effect, you get a year´s ´excess holiday´.

1XS is available to new applicants between 0 - 55 years.

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 (subject to excess)
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full refund of customary and reasonable fees (subject to excess)
Physicians fees & diagnostic tests
	Full refund (subject to excess)
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Full refund (subject to excess)
Psychiatric treatment
	Not covered
Key Facts - Out-patient Charges
Complementary medicine
	Full refund subject to excess, includes: Acupuncture, Chiropody / Podiatry, Chiropractic care, Homeopathy, Osteopathy and Physiotherapy
Diagnostic tests (excluding scans)
	Full refund (subject to excess)
GP referred consultations
	Full refund (subject to excess)
Physiotherapy consultant referred
	Full refund (subject to excess)
Physiotherapy GP referred
	Full refund (subject to excess)
Psychiatric cover
	Not covered
Radiotherapy / Chemotherapy
	Full refund (subject to excess)
Scans - MRI / CT / PET
	Full refund (subject to excess)
Surgical Procedures
	Diagnostic endoscopic procedures (subject to excess)
Key Facts - Additional Benefits
NHS cash benefit
	£100 for each day-patient admission or each night spent as an in-patient, up to £3,000 per plan year
	NHS Cancer Treatment - £200 for each day-patient admission or each night spent as an in-patient, up to £6,000 per plan year
Nursing at home
	Full refund for up to 4 weeks per year by a qualified nurse (subject to excess)
Parental accommodation
	Hospital accommodation charges provided the child is covered on the plan (subject to excess)
Private ambulance
	Full refund provided required for medical reasons (subject to excess)
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	Not applicable (each person covered as individual)
Chiropractors & Osteopaths
	Full refund (subject to excess)
Dental treatment
	Not covered
Hospice donation
	£70 per day / night up to £700 per plan year
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
	Not covered
Transplants
	Not covered

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 (subject to excess)

Surgeon / Consultant / Specialist & Anaesthetists fees

Full refund of customary and reasonable fees (subject to excess)

Physicians fees & diagnostic tests

Full refund (subject to excess)

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Full refund (subject to excess)

Psychiatric treatment

Not covered

Key Facts - Out-patient Charges

Complementary medicine

Full refund subject to excess, includes: Acupuncture, Chiropody / Podiatry, Chiropractic care, Homeopathy, Osteopathy and Physiotherapy

Diagnostic tests (excluding scans)

Full refund (subject to excess)

GP referred consultations

Full refund (subject to excess)

Physiotherapy consultant referred

Full refund (subject to excess)

Physiotherapy GP referred

Full refund (subject to excess)

Psychiatric cover

Not covered

Radiotherapy / Chemotherapy

Full refund (subject to excess)

Scans - MRI / CT / PET

Full refund (subject to excess)

Surgical Procedures

Diagnostic endoscopic procedures (subject to excess)

Key Facts - Additional Benefits

NHS cash benefit

£100 for each day-patient admission or each night spent as an in-patient, up to £3,000 per plan year

NHS Cancer Treatment - £200 for each day-patient admission or each night spent as an in-patient, up to £6,000 per plan year

Nursing at home

Full refund for up to 4 weeks per year by a qualified nurse (subject to excess)

Parental accommodation

Hospital accommodation charges provided the child is covered on the plan (subject to excess)

Private ambulance

Full refund provided required for medical reasons (subject to excess)

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

Not applicable (each person covered as individual)

Chiropractors & Osteopaths

Full refund (subject to excess)

Dental treatment

Not covered

Hospice donation

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

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

Not covered

Transplants

Not covered


Insurer & Benefits:	Insurers, Featured Insurers
Find a broker:	Find a Broker

ABOUT SSL CERTIFICATES