Home > PHC - HealthCover 4 Life (Plan 4)

PHC - HealthCover 4 Life (Plan 4)

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
	Not covered
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
	Not covered
Diagnostic tests (excluding scans)
	Not covered
GP referred consultations
	Not covered
Physiotherapy consultant referred
	Not covered
Physiotherapy GP referred
	Not covered
Psychiatric cover
	Not covered
Radiotherapy / Chemotherapy
	Full cover
Scans - MRI / CT / PET
	Not covered
Surgical Procedures
	Not covered
Key Facts - Additional Benefits
NHS cash benefit
	£100 per night (following treatment as an NHS patient* up to a maximum of £2,000 pa) NHS day care benefit £50 per claim*
Nursing at home
	Not covered
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
	Not covered
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
	Not covered
Dental treatment
	Specified oral procedures only in hospital
Discretionary Benefit Option (DBO)
	Not covered
GP minor surgery
	Not covered
GP Referred Chiropody, Podiatry or Homeopathy
	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
	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

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

Not covered

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

Not covered

Diagnostic tests (excluding scans)

Not covered

GP referred consultations

Not covered

Physiotherapy consultant referred

Not covered

Physiotherapy GP referred

Not covered

Psychiatric cover

Not covered

Radiotherapy / Chemotherapy

Full cover

Scans - MRI / CT / PET

Not covered

Surgical Procedures

Not covered

Key Facts - Additional Benefits

NHS cash benefit

£100 per night (following treatment as an NHS patient* up to a maximum of £2,000 pa) NHS day care benefit £50 per claim*

Nursing at home

Not covered

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

Not covered

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

Not covered

Dental treatment

Specified oral procedures only in hospital

Discretionary Benefit Option (DBO)

Not covered

GP minor surgery

Not covered

GP Referred Chiropody, Podiatry or Homeopathy

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

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


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