Home > The Exeter - Health Essentials for Me

The Exeter - Health Essentials for Me

Health Essentials for Me is a private medical insurance plan that is designed to work alongside, not to replace, all of the services offered by the NHS and has been designed to give you quick access to private medical treatment in the UK when you need it.

Health Essentials for Me is designed for people who are happy to be diagnosed through the NHS or to self- pay for diagnosis, but want to receive private treatment.

To help you understand and fully benefit from Health Essentials for Me, we have tried to keep the plan itself, the choices you have to make and this document simple and transparent. As a result, there shouldn’t be any nasty surprises when you come to claim.

Benefits

Cancer Cover	All Unlimited No cover

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Core cover Unlimited providing they are customary and reasonable costs, but do not relate to treatment of diagnosed cancer.
Cancer Cover - Unlimited	Cancer Cover - Unlimited option Cover extended to treatment of diagnosed cancer.
Surgeon / Consultant / Specialist & Anaesthetists fees
	Core cover Unlimited providing they are customary and reasonable costs, but do not relate to treatment of diagnosed cancer.
Cancer Cover - Unlimited	Cancer Cover - Unlimited option Cover extended to treatment of diagnosed cancer.
Physicians fees & diagnostic tests
	Post diagnosis only CT, MRI or PET scans, at any hospital on the Hospital List, ordered by a specialist to further determine or assess a member's condition after an initial diagnosis has been made. Includes professional fees where appropriate
Cancer Cover - Unlimited	Cancer Cover - Unlimited option Cover extended to treatment of diagnosed cancer.
Cancer Treatment Costs - Chemotherapy / Radiotherapy
Cancer Cover - No cover	Not covered
Cancer Cover - Unlimited	Cancer cover - Unlimited option Above in/day patient benefits extended to cover diagnosed cancer and unlimited benefit for oncology and specialist consultations for cancer.
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
	Up to 3 sessions of post-operative physiotherapy as an out-patient following in-patient or day-patient surgery
Physiotherapy GP referred
	Not covered
Psychiatric cover
	Not covered
Radiotherapy / Chemotherapy
Cancer Cover - No cover	Not covered
Cancer Cover - Unlimited	Cancer Cover - Unlimited option Cover extended to treatment of diagnosed cancer.
Scans - MRI / CT / PET
	Post diagnosis only CT, MRI or PET scans, at any hospital on the Hospital List, ordered by a specialist to further determine or assess a member's condition after an initial diagnosis has been made. Includes professional fees where appropriate
Surgical Procedures
	Unlimited surgical procedures performed by a specialist at any hospital on the Hospital List, including any necessary medical aids or take-home drugs
Key Facts - Additional Benefits
NHS cash benefit
	£250 per night, paid if you have free in-patient treatment under the NHS that would be covered under the policy.
Nursing at home
	Unlimited - Medically required home nursing following authorised in-patient and day-patient treatment.
Parental accommodation
	Unlimited - You can stay in hospital with your child (up to the age of 18) if they are having treatment under the policy
Private ambulance
	Unlimited - Medically essential travel to, between or from hospital in a private road ambulance in connection with in-patient or day-patient treatment
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	Up to the renewal after their 21st birthday, or their 25th birthday if they are in full time education.
Chiropractors & Osteopaths
	Not covered
Dental treatment
	Not covered
Hospice donation
	£250 per year (if the patient requires admission for care)
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
	Not covered
Other benefits
	Private GP Helpline - Talk to a private GP, 24 hours a day, 7 days a week if you need any help or advice on a medical problem.

Key Facts - In-patient & Day Case Charges

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

Core cover
Unlimited providing they are customary and reasonable costs, but do not relate to treatment of diagnosed cancer.

Cancer Cover - Unlimited

Cancer Cover - Unlimited option
Cover extended to treatment of diagnosed cancer.

Surgeon / Consultant / Specialist & Anaesthetists fees

Core cover
Unlimited providing they are customary and reasonable costs, but do not relate to treatment of diagnosed cancer.

Cancer Cover - Unlimited

Cancer Cover - Unlimited option
Cover extended to treatment of diagnosed cancer.

Physicians fees & diagnostic tests

Post diagnosis only CT, MRI or PET scans, at any hospital on the Hospital List, ordered by a specialist to further determine or assess a member's condition after an initial diagnosis has been made. Includes professional fees where appropriate

Cancer Cover - Unlimited

Cancer Cover - Unlimited option
Cover extended to treatment of diagnosed cancer.

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Cancer Cover - No cover

Not covered

Cancer Cover - Unlimited

Cancer cover - Unlimited option
Above in/day patient benefits extended to cover diagnosed cancer and unlimited benefit for oncology and specialist consultations for cancer.

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

Up to 3 sessions of post-operative physiotherapy as an out-patient following in-patient or day-patient surgery

Physiotherapy GP referred

Not covered

Psychiatric cover

Not covered

Radiotherapy / Chemotherapy

Cancer Cover - No cover

Not covered

Cancer Cover - Unlimited

Cancer Cover - Unlimited option
Cover extended to treatment of diagnosed cancer.

Scans - MRI / CT / PET

Surgical Procedures

Unlimited surgical procedures performed by a specialist at any hospital on the Hospital List, including any necessary medical aids or take-home drugs

Key Facts - Additional Benefits

NHS cash benefit

£250 per night, paid if you have free in-patient treatment under the NHS that would be covered under the policy.

Nursing at home

Unlimited - Medically required home nursing following authorised in-patient and day-patient treatment.

Parental accommodation

Unlimited - You can stay in hospital with your child (up to the age of 18) if they are having treatment under the policy

Private ambulance

Unlimited - Medically essential travel to, between or from hospital in a private road ambulance in connection with in-patient or day-patient treatment

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

Up to the renewal after their 21st birthday, or their 25th birthday if they are in full time education.

Chiropractors & Osteopaths

Not covered

Dental treatment

Not covered

Hospice donation

£250 per year (if the patient requires admission for care)

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

Not covered

Other benefits

Private GP Helpline - Talk to a private GP, 24 hours a day, 7 days a week if you need any help or advice on a medical problem.


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