Home > WPA - Flexible Health - essentials

WPA - Flexible Health - essentials

Fast track private surgery

Value

Make the most of the NHS to find out what’s wrong. If your GP/Consultant say you need surgery you can be fast tracked as a private patient. Choose from over 600 private hospitals including NHS private wings.

Up to £50,000 per year for hospital and specialist charges when you have non-emergency (elective)

surgery in hospital. Includes post-op physiotherapy and pre- and post-op surgical consultations.

No excess or co-payment to pay.

Cancer surgery not covered.

Extras

Add advanced cancer drugs funds life-saving cancer drugs not available on the NHS.
£50,000 lifetime benefit. Cover for advance cancer drugs ceases at the renewal date following the 66th birthday.

Up to 20% discount available for the self-employed and members of a WPA recognised Profession
This discount also applies to family members in the same household. Visit http://www.wpa.org.uk/qualify

Benefits

Add: Advanced cancer drugs
cancer	All Yes No

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
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full refund of customary and reasonable fees
Physicians fees & diagnostic tests
	Full refund of customary and reasonable fees
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Not covered
Psychiatric treatment
	Not covered
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
	Up to £200 as an overall limit for physiotherapy (and other therapies) benefit within 90 days following a surgical procedure. This benefit covers one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.
Diagnostic tests (excluding scans)
	Full refund for pre-admission tests 2 weeks prior to admission to hospital
GP referred consultations
	Up to £150 pre-surgical consultations and tests in the 6 weeks prior to surgery, in line with customary & reasonable fees.
Physiotherapy consultant referred
	Up to £200 as an overall limit for physiotherapy (and other therapies) benefit within 90 days following a surgical procedure. This benefit covers one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.
Physiotherapy GP referred
	Up to £200 as an overall limit for physiotherapy (and other therapies) benefit within 90 days following a surgical procedure. This benefit covers one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.
Psychiatric cover
	Not covered
Radiotherapy / Chemotherapy
cancer - No	Not covered
cancer - Yes	Cover for licensed cancer drugs that are not available on the NHS. Up to £50,000 lifetime benefit (there is a 90 day deferment period). Drugs must be licensed by the European Medical Agency (EMEA) and recommended by your cancer specialist but not yet approved by the National Institute for Health and Clinical Excellence (NICE) and therefore not available from the NHS. This benefit will be removed at the renewal following your 65th birthday.
Scans - MRI / CT / PET
	Not covered
Surgical Procedures
	Not covered
Key Facts - Additional Benefits
NHS cash benefit
	NHS Hospital Cash Benefit £150 In-patient (less than 3 nights) £200 In-patient (3 nights or more) £150 Out-patient complex diagnostic scans 3 and procedures Benefit amounts shown are per person per day/night and there is an overall combined maximum benefit of £4,500 per person per Policy year Where you receive treatment (as an NHS patient) in one of the defined Central London NHS Hospitals, the benefit limits shown on the table will increase by £100 per day/night up to the same maximum annual limits shown.
Nursing at home
	Not covered
Parental accommodation
	Not covered
Private ambulance
	Not covered
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	Up to £50,000 for each person per policy year for planned (elective) surgical treatment of a diagnosed condition
Children covered
	Yes - Children can also be on cover in their own right. 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
	Not covered
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
	Not covered
Transplants
	No cover except for cornea transplants or skin grafts and blood transfusions if these are performed as part of an elective (non-emergency) surgical in- or day-patient procedure.

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

Surgeon / Consultant / Specialist & Anaesthetists fees

Full refund of customary and reasonable fees

Physicians fees & diagnostic tests

Full refund of customary and reasonable fees

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Not covered

Psychiatric treatment

Not covered

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

Up to £200 as an overall limit for physiotherapy (and other therapies) benefit within 90 days following a surgical procedure. This benefit covers one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.

Diagnostic tests (excluding scans)

Full refund for pre-admission tests 2 weeks prior to admission to hospital

GP referred consultations

Up to £150 pre-surgical consultations and tests in the 6 weeks prior to surgery, in line with customary & reasonable fees.

Physiotherapy consultant referred

Physiotherapy GP referred

Psychiatric cover

Not covered

Radiotherapy / Chemotherapy

cancer - No

Not covered

cancer - Yes

Cover for licensed cancer drugs that are not available on the NHS. Up to £50,000 lifetime benefit (there is a 90 day deferment period). Drugs must be licensed by the European Medical Agency (EMEA) and recommended by your cancer specialist but not yet approved by the National Institute for Health and Clinical Excellence (NICE) and therefore not available from the NHS.
This benefit will be removed at the renewal following your 65th birthday.

Scans - MRI / CT / PET

Not covered

Surgical Procedures

Not covered

Key Facts - Additional Benefits

NHS cash benefit

NHS Hospital Cash Benefit
£150 In-patient (less than 3 nights)
£200 In-patient (3 nights or more)
£150 Out-patient complex diagnostic scans 3 and procedures
Benefit amounts shown are per person per day/night and there is an overall combined maximum benefit of £4,500 per person per Policy year

Where you receive treatment (as an NHS patient) in one of the defined Central London NHS Hospitals, the benefit limits shown on the table will increase by £100 per day/night up to the same maximum annual limits shown.

Nursing at home

Not covered

Parental accommodation

Not covered

Private ambulance

Not covered

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

Up to £50,000 for each person per policy year for planned (elective) surgical treatment of a diagnosed condition

Children covered

Yes - Children can also be on cover in their own right. 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

Not covered

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

Not covered

Transplants

No cover except for cornea transplants or skin grafts and blood transfusions if these are performed as part of an elective (non-emergency) surgical in- or day-patient procedure.


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