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General and Medical - Altus Elite

Our Altus range’s popularity is due to the fact that it is an affordable private medical insurance cover and offers a comprehensive level of cover for you and your loved ones - when you really need it.

What is the Altus Range? Our very reasonably priced Altus range is more comprehensive than the Equs range and is an ideal option for those seeking more In/Out-Patient benefits. A key consideration when choosing between Equs and Altus is that Altus covers treatment for Cancer and includes the initial related consultations and diagnostics. There are additional benefits to consider such as the 24 hour GP advice line for when you need answers outside of regular GP surgery hours. Within the Altus range you could choose from:Altus Elite

All the benefits of Altus Plus
Convenient access to surgery in a private hospital for acute conditions
In-Patient diagnostic tests
In-Patient surgery
Out-Patient initial consultation
Out-Patient psychiatry *
Any further consultations
Cover for Physiotherapy
Treatment for Cardiovascular conditions
Cancer Treatment
Temporary disablement cash benefit *
Complications of Pregnancy (Defined Conditions Only)
Critical illness cash benefit *
24 Hour GP Advice line
Maternity, Personal Accident and Life Cash Benefits
Non UK Medical Cover
Family Legal Protection Cover
Domestic Assistance Helpline
Routine Dental Consultations and Treatment (6 month waiting period applies) *
Consultations and Eye Tests (6 month waiting period applies) *
Private GP services *
Employee Assistance Program

Some benefits have monetary limits please click here to see the benefit table for more information.

Benefits

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Full refund (in accordance with General and Medical fee guidelines)
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full refund (in accordance with General and Medical fee guidelines)
Physicians fees & diagnostic tests
	Full refund (in accordance with General and Medical fee guidelines)
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Full refund (in accordance with General and Medical fee guidelines)
Psychiatric treatment
	Up to 35 days per membership year £20,000 total payable
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
	Therapies - Total amount for Therapies £500 per membership year, of which only £250 can be spent on complementary therapies
Diagnostic tests (excluding scans)
	Full refund (in accordance with General and Medical fee guidelines)
GP referred consultations
	Full refund (in accordance with General and Medical fee guidelines)
Physiotherapy consultant referred
	Therapies - Total amount for Therapies £500 per membership year, of which only £250 can be spent on complementary therapies
Physiotherapy GP referred
	Therapies - Total amount for Therapies £500 per membership year, of which only £250 can be spent on complementary therapies
Psychiatric cover
	£1,000 in any membership year (in accordance with General and Medical fee guidelines)
Radiotherapy / Chemotherapy
	Full refund (in accordance with General and Medical fee guidelines)
Scans - MRI / CT / PET
	Full refund (in accordance with General and Medical fee guidelines)
Surgical Procedures
	Full refund (in accordance with General and Medical fee guidelines)
Key Facts - Additional Benefits
NHS cash benefit
	£250 per night per person (£7,500 maximum pa)
Nursing at home
	£1,000 pa
Parental accommodation
	£500 per year
Primary care
	Private GP services up to £200 per membership year
Private ambulance
	£500 per year
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	£1,000,000 pa
Children covered
	From 30 days after birth up to the age of 21 (or 25 if still in full time education)
Chiropractors & Osteopaths
	Therapies - Total amount for Therapies £500 per membership year, of which only £250 can be spent on complementary therapies
Dental treatment
	Oro-surgical procedures included Routine consultations and treatment up to £200 per membership year
GP minor surgery
	Private GP services up to £200 per membership year
GP Referred Chiropody, Podiatry or Homeopathy
	Not covered
Hospice care cash benefit
	Not covered
Infertility investigations
	Not covered
Maternity cash benefit
	£160 per child
Optional cash benefit
	£100 per night Cash Benefit up to a maximum of £1000 per membership year if member has chosen the Freedom Hospital option when purchasing cover but elected to use a First Choice Hospital upon requiring eligible in-patient treatment. £100 is also available as a single payment for a Freedom member who elects to use a First Choice Hospital for eligible day-patient treatment.
Out of pocket expenses
	Not covered
Overseas cover
	£1,000,000 per year (travel medical expenses cover only available outside UK)
Personal & total disability benefit
	£100 per month for 6 months
Post hospital recovery bonus
	Not covered
Pregnancy
	Complications of pregnancy (defined conditions only contact General & Medical for details)
Stress counselling helpline
	24 hour advice line
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 (in accordance with General and Medical fee guidelines)

Surgeon / Consultant / Specialist & Anaesthetists fees

Full refund (in accordance with General and Medical fee guidelines)

Physicians fees & diagnostic tests

Full refund (in accordance with General and Medical fee guidelines)

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Full refund (in accordance with General and Medical fee guidelines)

Psychiatric treatment

Up to 35 days per membership year £20,000 total payable

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

Therapies - Total amount for Therapies £500 per membership year, of which only £250 can be spent on complementary therapies

Diagnostic tests (excluding scans)

Full refund (in accordance with General and Medical fee guidelines)

GP referred consultations

Full refund (in accordance with General and Medical fee guidelines)

Physiotherapy consultant referred

Therapies - Total amount for Therapies £500 per membership year, of which only £250 can be spent on complementary therapies

Physiotherapy GP referred

Therapies - Total amount for Therapies £500 per membership year, of which only £250 can be spent on complementary therapies

Psychiatric cover

£1,000 in any membership year (in accordance with General and Medical fee guidelines)

Radiotherapy / Chemotherapy

Full refund (in accordance with General and Medical fee guidelines)

Scans - MRI / CT / PET

Full refund (in accordance with General and Medical fee guidelines)

Surgical Procedures

Full refund (in accordance with General and Medical fee guidelines)

Key Facts - Additional Benefits

NHS cash benefit

£250 per night per person (£7,500 maximum pa)

Nursing at home

£1,000 pa

Parental accommodation

£500 per year

Primary care

Private GP services up to £200 per membership year

Private ambulance

£500 per year

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

£1,000,000 pa

Children covered

From 30 days after birth up to the age of 21 (or 25 if still in full time education)

Chiropractors & Osteopaths

Therapies - Total amount for Therapies £500 per membership year, of which only £250 can be spent on complementary therapies

Dental treatment

Oro-surgical procedures included
Routine consultations and treatment up to £200 per membership year

GP minor surgery

Private GP services up to £200 per membership year

GP Referred Chiropody, Podiatry or Homeopathy

Not covered

Hospice care cash benefit

Not covered

Infertility investigations

Not covered

Maternity cash benefit

£160 per child

Optional cash benefit

£100 per night Cash Benefit up to a maximum of £1000 per membership year if member has chosen the Freedom Hospital option when purchasing cover but elected to use a First Choice Hospital upon requiring eligible in-patient treatment. £100 is also available as a single payment for a Freedom member who elects to use a First Choice Hospital for eligible day-patient treatment.

Out of pocket expenses

Not covered

Overseas cover

£1,000,000 per year (travel medical expenses cover only available outside UK)

Personal & total disability benefit

£100 per month for 6 months

Post hospital recovery bonus

Not covered

Pregnancy

Complications of pregnancy (defined conditions only contact General & Medical for details)

Stress counselling helpline

24 hour advice line

Transplants

Not covered


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