IR - WPA - Professional Health

WPA - Professional Health

Professional Health is a unique plan, with preferential premiums, available exclusively to members of professions recognised by WPA. Professional Health allows you to build a level of cover to suit your personal requirements. Your cover is built around a core element of either Essential or Essential Plus cover, you then have the choice of five additional benefits to increase your cover further.

Shared Responsibility allows you to take greater control of your healthcare costs and make significant savings on your premiums. Unlike an excess we share the cost of your medical treatment as a 25:75 split, until your 25% contribution reaches your chosen Shared Responsibility limit. Thereafter WPA will pay 100% of any eligible treatment costs until your next renewal date.

Professional Health is available to new applicants between 18 - 65 years. Children can be covered with an insured adult.

Benefits

Step 1: Choose the base cover:
Base Cover	All Essential Essential Plus
Step 2: Enhance the cover:
Out-Patient Option	All Yes No
Therapy Option	All Yes No
Dental Plan	All Yes No
Worldwide Option	All Yes No
Hospital Assist	All Yes No

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
Base Cover - Essential	Essential - Full refund of customary and reasonable fees
Base Cover - Essential Plus	Essential Plus - Full refund of customary and reasonable fees
Surgeon / Consultant / Specialist & Anaesthetists fees
Base Cover - Essential	Essential - Full refund of customary and reasonable fees
Base Cover - Essential Plus	Essential Plus - Full refund of customary and reasonable fees
Physicians fees & diagnostic tests
Base Cover - Essential	Essential - Full refund of customary and reasonable fees
Base Cover - Essential Plus	Essential Plus - Full refund of customary and reasonable fees
Cancer Treatment Costs - Chemotherapy / Radiotherapy
Base Cover - Essential	Essential - Full refund of hospital & specialist charges, Radiotherapy & Chemotherapy drugs
Base Cover - Essential Plus	Essential Plus - Full refund of hospital & specialist charges, Radiotherapy & Chemotherapy drugs
Psychiatric treatment
	Not covered
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
	Essential only - Nil
Base Cover - Essential Plus	Essential Plus provides £400 Therapy
Therapy Option - Yes	Therapy Option provides £1,000 Therapy includes: Acupuncture, Chiropody / Podiatry, Chiropractic care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language Therapy
Diagnostic tests (excluding scans)
	Essential only - Nil
Base Cover - Essential Plus	Essential Plus £400 Consultations with a Specialist and Diagnostic Tests
Out-Patient Option - Yes	Out-patient option provides full cover for diagnostic tests.
GP referred consultations
	Essential only provides £100 per plan year
Base Cover - Essential Plus	Essential Plus £400 Consultations and diagnostic tests
Out-Patient Option - Yes	Out-patient option provides full cover for consultations with a Specialist
Physiotherapy consultant referred
	Only covered in line with policy holder's benefits provided they have been on cover with WPA for three consecutive years
Physiotherapy GP referred
	See Complementary Medicine benefit
Psychiatric cover
	Not covered
Radiotherapy / Chemotherapy
Base Cover - Essential	Essential - Full refund of hospital & specialist charges, Radiotherapy & Chemotherapy drugs
Base Cover - Essential Plus	Essential Plus - Full refund of hospital & specialist charges, Radiotherapy & Chemotherapy drugs
Scans - MRI / CT / PET
Base Cover - Essential	Essential - MRI, CT & PET scans only
Base Cover - Essential Plus	Essential Plus - MRI, CT & PET scans only
Surgical Procedures
Base Cover - Essential	Essential - Full refund of customary and reasonable fees for diagnostic or endoscopic procedures
Base Cover - Essential Plus	Essential Plus - Full refund of customary and reasonable fees for diagnostic or endoscopic procedures
Key Facts - Additional Benefits
NHS cash benefit
Base Cover - Essential	Essential - £100 per night, maximum of £3,000 per plan year
Base Cover - Essential Plus	Essential Plus - £100 per night, maximum of £3,000 per plan year.
Nursing at home
Base Cover - Essential	Essential - Up to 4 weeks per plan year by a qualified nurse
Base Cover - Essential Plus	Essential Plus - Up to 4 weeks per plan year by a qualified nurse
Parental accommodation
Base Cover - Essential	Essential - Hospital accommodation charges provided the child is covered on the plan
Base Cover - Essential Plus	Essential Plus - Hospital accommodation charges provided the child is covered on the plan
Private ambulance
Base Cover - Essential	Essential - Full refund when this is needed for medical reasons to go to, from or between hospitals for treatment which is covered by the policy holder's plan
Base Cover - Essential Plus	Essential Plus - Full refund when this is needed for medical reasons to go to, from or between hospitals for treatment which is covered by the policy holder's plan
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	Yes - provided the child/children are on cover with an insured adult. A child cannot remain on a policy holder's plan once they marry or leave the main residence (except if going to higher education)
Chiropractors & Osteopaths
	See Complementary Medicine benefit
Dental treatment
Dental Plan - No	Not covered
Dental Plan - Yes	Dental Option £250 general dental treatment; £1,000 dental emergencies; £20,000 for dental injuries; £10,000 defined oral problems - it is important to note that a 3 month qualifying period applies to the general dental and a 14 day qualifying period applies the the dental emergencies benefits
Hospice donation
Base Cover - Essential	Essential - £70 per day/night up to £700 per plan year
Base Cover - Essential Plus	Essential Plus - £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
Base Cover - Essential	Essential - Up to £10 per day
Base Cover - Essential Plus	Essential Plus - Up to £10 per day
Overseas cover
Worldwide Option - No	Not covered
Worldwide Option - Yes	Worldwide Option provides emergency overseas treatment, Evacuation/Repatriation and family assistance is provided for trips abroad for up to 70 days per trip subject to an annual maximum of 180 days and an annual maximum benefit of £500,000 (Not USA)
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
Hospital Assist - No	Not covered
Hospital Assist - Yes	Hospital Assist Option provides £200 per night up to £1,400 per plan year is available for an in-patient stay in either NHS or Private Hospital. A 3 month qualifying period applies
Pregnancy
	Not covered
Transplants
	No cover except for cornea transplants or skin grafts or bone marrow or stem cell transplants where this forms part of treatment for cancer.
Other benefits

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings

Base Cover - Essential

Essential - Full refund of customary and reasonable fees

Base Cover - Essential Plus

Essential Plus - Full refund of customary and reasonable fees

Surgeon / Consultant / Specialist & Anaesthetists fees

Base Cover - Essential

Essential - Full refund of customary and reasonable fees

Base Cover - Essential Plus

Essential Plus - Full refund of customary and reasonable fees

Physicians fees & diagnostic tests

Base Cover - Essential

Essential - Full refund of customary and reasonable fees

Base Cover - Essential Plus

Essential Plus - Full refund of customary and reasonable fees

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Base Cover - Essential

Essential - Full refund of hospital & specialist charges, Radiotherapy & Chemotherapy drugs

Base Cover - Essential Plus

Essential Plus - Full refund of hospital & specialist charges, Radiotherapy & Chemotherapy drugs

Psychiatric treatment

Not covered

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

Essential only - Nil

Base Cover - Essential Plus

Essential Plus provides £400 Therapy

Therapy Option - Yes

Therapy Option provides £1,000
Therapy includes: Acupuncture, Chiropody / Podiatry, Chiropractic care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language Therapy

Diagnostic tests (excluding scans)

Essential only - Nil

Base Cover - Essential Plus

Essential Plus £400 Consultations with a Specialist and Diagnostic Tests

Out-Patient Option - Yes

Out-patient option provides full cover for diagnostic tests.

GP referred consultations

Essential only provides £100 per plan year

Base Cover - Essential Plus

Essential Plus £400 Consultations and diagnostic tests

Out-Patient Option - Yes

Out-patient option provides full cover for consultations with a Specialist

Physiotherapy consultant referred

Only covered in line with policy holder's benefits provided they have been on cover with WPA for three consecutive years

Physiotherapy GP referred

See Complementary Medicine benefit

Psychiatric cover

Not covered

Radiotherapy / Chemotherapy

Base Cover - Essential

Essential - Full refund of hospital & specialist charges, Radiotherapy & Chemotherapy drugs

Base Cover - Essential Plus

Essential Plus - Full refund of hospital & specialist charges, Radiotherapy & Chemotherapy drugs

Scans - MRI / CT / PET

Base Cover - Essential

Essential - MRI, CT & PET scans only

Base Cover - Essential Plus

Essential Plus - MRI, CT & PET scans only

Surgical Procedures

Base Cover - Essential

Essential - Full refund of customary and reasonable fees for diagnostic or endoscopic procedures

Base Cover - Essential Plus

Essential Plus - Full refund of customary and reasonable fees for diagnostic or endoscopic procedures

Key Facts - Additional Benefits

NHS cash benefit

Base Cover - Essential

Essential - £100 per night, maximum of £3,000 per plan year

Base Cover - Essential Plus

Essential Plus - £100 per night, maximum of £3,000 per plan year.

Nursing at home

Base Cover - Essential

Essential - Up to 4 weeks per plan year by a qualified nurse

Base Cover - Essential Plus

Essential Plus - Up to 4 weeks per plan year by a qualified nurse

Parental accommodation

Base Cover - Essential

Essential - Hospital accommodation charges provided the child is covered on the plan

Base Cover - Essential Plus

Essential Plus - Hospital accommodation charges provided the child is covered on the plan

Private ambulance

Base Cover - Essential

Essential - Full refund when this is needed for medical reasons to go to, from or between hospitals for treatment which is covered by the policy holder's plan

Base Cover - Essential Plus

Essential Plus - Full refund when this is needed for medical reasons to go to, from or between hospitals for treatment which is covered by the policy holder's plan

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

Yes - provided the child/children are on cover with an insured adult. A child cannot remain on a policy holder's plan once they marry or leave the main residence (except if going to higher education)

Chiropractors & Osteopaths

See Complementary Medicine benefit

Dental treatment

Dental Plan - No

Not covered

Dental Plan - Yes

Dental Option
£250 general dental treatment;
£1,000 dental emergencies;
£20,000 for dental injuries;
£10,000 defined oral problems - it is important to note that a 3 month qualifying period applies to the general dental and a 14 day qualifying period applies the the dental emergencies benefits

Hospice donation

Base Cover - Essential

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

Base Cover - Essential Plus

Essential Plus - £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

Base Cover - Essential

Essential - Up to £10 per day

Base Cover - Essential Plus

Essential Plus - Up to £10 per day

Overseas cover

Worldwide Option - No

Not covered

Worldwide Option - Yes

Worldwide Option provides emergency overseas treatment, Evacuation/Repatriation and family assistance is provided for trips abroad for up to 70 days per trip subject to an annual maximum of 180 days and an annual maximum benefit of £500,000
(Not USA)

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Hospital Assist - No

Not covered

Hospital Assist - Yes

Hospital Assist Option provides £200 per night up to £1,400 per plan year is available for an in-patient stay in either NHS or Private Hospital. A 3 month qualifying period applies

Pregnancy

Not covered

Transplants

No cover except for cornea transplants or skin grafts or bone marrow or stem cell transplants where this forms part of treatment for cancer.

Other benefits


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

Insurer & Benefits:

Insurers, Featured Insurers

Find a broker:

Find a Broker