Home > PHC - HealthCover 4 Life (Plan 1)

PHC - HealthCover 4 Life (Plan 1)

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 group clients with even greater flexibility by offering a number of options with each plan.

Clients can chose between different levels of benefits, excesses, hospitals, and travel insurance and these options can even be different for each employee. 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
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Full cover
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full cover - subject to fees being reasonable and customary
Physicians fees & diagnostic tests
	Full cover
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Full cover
Psychiatric treatment
	Full cover (for up to 28 days for in-patient psychiatric treatment per policy year)
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
	Full cover with up to 20 sessions by GP referral per person, per policy year, thereafter referrals must be made by a Specialist / Consultant
Diagnostic tests (excluding scans)
	Full cover
GP referred consultations
	Full cover
Physiotherapy consultant referred
	Full cover
Physiotherapy GP referred
	Full cover with up to 20 sessions by GP referral per person, per policy year, thereafter referrals must be made by a Specialist / Consultant
Psychiatric cover
	£1,250 per person, per policy year (for acute conditions)
Radiotherapy / Chemotherapy
	Full cover
Scans - MRI / CT / PET
	Full cover
Surgical Procedures
	Full cover
Key Facts - Additional Benefits
NHS cash benefit
	£200 per night (following treatment as an NHS patient* up to a maximum of £6,000 pa) NHS Day Care benefit £150 per claim*
Nursing at home
	Full cover with consultant's approval only if following a period of covered in-patient treatment (Limitations apply refer to member guide)
Parental accommodation
	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
Primary care
	Not covered
Private ambulance
	£1,000 per person, per policy year for transport to / from a hospital for medical reasons
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	children can be covered as dependants on a policy until the renewal date following their 25th birthday
Chiropractors & Osteopaths
	Full cover
Dental treatment
	Specified oral procedures only in hospital
Discretionary Benefit Option (DBO)
	Not covered
GP minor surgery
	Full cover
GP Referred Chiropody, Podiatry or Homeopathy
	Only Homeopathy - Full cover
Hospice donation
	Cancer only - £75 per day to hospice & £75 per day to member
Infertility investigations
	Not covered
Maternity cash benefit
	Twins Benefit = £1,500 or Triplets Benefit = £2,000
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
	Full cover for specified abnormal pregnancy conditions
Stress counselling helpline
	24-hour claims stress counselling and medical advice line. Only available to members aged 16 years or over
Transplants
	Not covered
Other benefits
	Cancer Enhancements Comprehensive cover enhancments when associated with cancer treatment: * up to £5,000 per policy year - Provision of external prosthesis * up to £150 per policy year - Purchase of wigs * New/experimental procedures - these will now be reviewed by the clinical team and considered for benefit * Experimental drug treatment - will be covered if part of an ethical trial and pre-agreed by us * Cancer follow-ups - No limit on cancer follow ups. * Radiotherapy and chemotherapy cash benefit - £50 up to £2,000 per year when you receive free treatment that would have been eligible for benefit privately

Key Facts - In-patient & Day Case Charges

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

Full cover

Surgeon / Consultant / Specialist & Anaesthetists fees

Full cover - subject to fees being reasonable and customary

Physicians fees & diagnostic tests

Full cover

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Full cover

Psychiatric treatment

Full cover (for up to 28 days for in-patient psychiatric treatment per policy year)

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

Full cover with up to 20 sessions by GP referral per person, per policy year, thereafter referrals must be made by a Specialist / Consultant

Diagnostic tests (excluding scans)

Full cover

GP referred consultations

Full cover

Physiotherapy consultant referred

Full cover

Physiotherapy GP referred

Full cover with up to 20 sessions by GP referral per person, per policy year, thereafter referrals must be made by a Specialist / Consultant

Psychiatric cover

£1,250 per person, per policy year (for acute conditions)

Radiotherapy / Chemotherapy

Full cover

Scans - MRI / CT / PET

Full cover

Surgical Procedures

Full cover

Key Facts - Additional Benefits

NHS cash benefit

£200 per night (following treatment as an NHS patient* up to a maximum of £6,000 pa) NHS Day Care benefit £150 per claim*

Nursing at home

Full cover with consultant's approval only if following a period of covered in-patient treatment (Limitations apply refer to member guide)

Parental accommodation

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

Primary care

Not covered

Private ambulance

£1,000 per person, per policy year for transport to / from a hospital for medical reasons

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

children can be covered as dependants on a policy until the renewal date following their 25th birthday

Chiropractors & Osteopaths

Full cover

Dental treatment

Specified oral procedures only in hospital

Discretionary Benefit Option (DBO)

Not covered

GP minor surgery

Full cover

GP Referred Chiropody, Podiatry or Homeopathy

Only Homeopathy - Full cover

Hospice donation

Cancer only - £75 per day to hospice & £75 per day to member

Infertility investigations

Not covered

Maternity cash benefit

Twins Benefit = £1,500 or Triplets Benefit = £2,000

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

Full cover for specified abnormal pregnancy conditions

Stress counselling helpline

24-hour claims stress counselling and medical advice line. Only available to members aged 16 years or over

Transplants

Not covered

Other benefits

Cancer Enhancements
Comprehensive cover enhancments when associated with cancer treatment:
* up to £5,000 per policy year - Provision of external prosthesis
* up to £150 per policy year - Purchase of wigs
* New/experimental procedures - these will now be reviewed by the clinical team and considered for benefit
* Experimental drug treatment - will be covered if part of an ethical trial and pre-agreed by us
* Cancer follow-ups - No limit on cancer follow ups.
* Radiotherapy and chemotherapy cash benefit - £50 up to £2,000 per year when you receive free treatment that would have been eligible for benefit privately


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