Home > WPA - Multi-Family Healthcare Plan

WPA - Multi-Family Healthcare Plan

We recognise the importance of protecting the health of you and your family. In light of this, we have designed this personal health insurance Policy to provide cover for the
whole (extended) family – across the generations. Under the Multi-Family Healthcare Plan, you benefit from preferential terms for you and any family members you wish to be covered. Cover is subject to medical underwriting (no medical required).

Highly competitive premiums
Preferential terms compared to the cost of individual policies
for you and any family members you wish to be covered.
Multi-family discount
Available for 2 or more family members residing at different UK addresses.
No upper age limit
You may join the Multi-Family Healthcare Plan at any age

Benefits

Cover level	All Standard Enhanced Comprehensive
Emergency Worldwide Cover	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
	Full refund of customary and reasonable fees
Psychiatric treatment
	Cover not available
Six week option
	Cover not available
Key Facts - Out-patient Charges
Complementary medicine
Cover level - Standard	Up to £150 p.a. Combined benefit with Specialist consultations / Tests and for Physiotherapy and other therapies.
Cover level - Enhanced	Up to £500 p.a. Combined benefit with Specialist consultations / Tests and for Physiotherapy and other therapies.
Cover level - Comprehensive	Full refund. Combined benefit with Specialist consultations / Tests and for Physiotherapy and other therapies.
Diagnostic tests (excluding scans)
Cover level - Standard	Up to £150 for consultations and diagnostic tests arranged by your specialist
Cover level - Enhanced	Up to £500 for consultations and diagnostic tests arranged by your specialist
Cover level - Comprehensive	Full refund for consultations and diagnostic tests arranged by your specialist
GP referred consultations
Cover level - Standard	Up to £200 for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.
Cover level - Enhanced	Up to £500 for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.
Cover level - Comprehensive	Full refund for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.
Physiotherapy consultant referred
Cover level - Standard	Up to £200 for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.
Cover level - Enhanced	Up to £500 for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.
Cover level - Comprehensive	Full refund for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.
Physiotherapy GP referred
Cover level - Standard	Up to £200 for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.
Cover level - Enhanced	Up to £500 for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.
Cover level - Comprehensive	Full refund for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.
Psychiatric cover
	Cover not available
Radiotherapy / Chemotherapy
	Full refund
Scans - MRI / CT / PET
	Full refund for complex diagnostic scans (MRI, CT & PET scans at the request of a specialist and 1 MRI or CT scan arranged by your GP)
Surgical Procedures
	Full refund of customary and reasonable fees for surgical procedure / diagnostic endoscopic procedure.
Key Facts - Additional Benefits
NHS cash benefit
	Cash benefit not specified!!! Cancers will not be covered which are diagnosed or for which symptoms develop within the first 90 days from the start of the plan.
Nursing at home
	Full refund (up to 4 weeks following in-patient treatment)
Parental accommodation
	Full refund
Private ambulance
	Full refund when required for medical reasons to go to, from or between hospitals for treatment which is covered by your Group Policy.
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	Up to age 21 or 25 in FTE
Chiropractors & Osteopaths
Cover level - Standard	Up to £200 for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.
Cover level - Enhanced	Up to £500 for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.
Cover level - Comprehensive	Full refund for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.
Dental treatment
Cover level - Standard	Cover not selected
Cover level - Enhanced	Dental cash £200 p.a
Hospice donation
	£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
	Not covered
Overseas cover
Emergency Worldwide Cover - No	Cover not selected
Emergency Worldwide Cover - Yes	Emergency Worldwide Cover £500,000 for treatment for medical emergencies, Evacuation/repatriation by air ambulance when local medical facilities are inadequate. Up to 70 days per trip (35 days if outside the EU – see below ) Trips outside the European Union are covered for bona fide business purposes only. Documentary evidence will be required to make a claim. The Emergency Worldwide Cover extra is not a substitute for a comprehensive travel insurance policy. It does not include destinations that are considered ‘at risk’ by the Foreign & Commonwealth Office (FCO) website.
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	Not covered
Pregnancy
	Not covered
Transplants
	Not covered
Other benefits
Cover level - Comprehensive Cover level - Enhanced	Optical – £200 (1 month qualifying period) Health Screening – £200 (1 month qualifying period)

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

Full refund of customary and reasonable fees

Psychiatric treatment

Cover not available

Six week option

Cover not available

Key Facts - Out-patient Charges

Complementary medicine

Cover level - Standard

Up to £150 p.a. Combined benefit with Specialist consultations / Tests and for Physiotherapy and other therapies.

Cover level - Enhanced

Up to £500 p.a. Combined benefit with Specialist consultations / Tests and for Physiotherapy and other therapies.

Cover level - Comprehensive

Full refund. Combined benefit with Specialist consultations / Tests and for Physiotherapy and other therapies.

Diagnostic tests (excluding scans)

Cover level - Standard

Up to £150 for consultations and diagnostic tests arranged by your specialist

Cover level - Enhanced

Up to £500 for consultations and diagnostic tests arranged by your specialist

Cover level - Comprehensive

Full refund for consultations and diagnostic tests arranged by your specialist

GP referred consultations

Cover level - Standard

Up to £200 for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.

Cover level - Enhanced

Up to £500 for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.

Cover level - Comprehensive

Full refund for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.

Physiotherapy consultant referred

Cover level - Standard

Up to £200 for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.

Cover level - Enhanced

Up to £500 for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.

Cover level - Comprehensive

Full refund for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.

Physiotherapy GP referred

Cover level - Standard

Up to £200 for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.

Cover level - Enhanced

Up to £500 for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.

Cover level - Comprehensive

Full refund for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.

Psychiatric cover

Cover not available

Radiotherapy / Chemotherapy

Full refund

Scans - MRI / CT / PET

Full refund for complex diagnostic scans (MRI, CT & PET scans at the request of a specialist and 1 MRI or CT scan arranged by your GP)

Surgical Procedures

Full refund of customary and reasonable fees for surgical procedure / diagnostic endoscopic procedure.

Key Facts - Additional Benefits

NHS cash benefit

Cash benefit not specified!!!
Cancers will not be covered which are diagnosed or for which symptoms develop within the first 90 days from the start of the plan.

Nursing at home

Full refund (up to 4 weeks following in-patient treatment)

Parental accommodation

Full refund

Private ambulance

Full refund when required for medical reasons to go to, from or between hospitals for treatment which is covered by your Group Policy.

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

Up to age 21 or 25 in FTE

Chiropractors & Osteopaths

Cover level - Standard

Up to £200 for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.

Cover level - Enhanced

Up to £500 for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.

Cover level - Comprehensive

Full refund for Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.

Dental treatment

Cover level - Standard

Cover not selected

Cover level - Enhanced

Dental cash £200 p.a

Hospice donation

£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

Not covered

Overseas cover

Emergency Worldwide Cover - No

Cover not selected

Emergency Worldwide Cover - Yes

Emergency Worldwide Cover
£500,000 for treatment for medical emergencies, Evacuation/repatriation by air ambulance when local medical facilities
are inadequate. Up to 70 days per trip (35 days if outside the EU – see below *)
* Trips outside the European Union are covered for bona fide business purposes only. Documentary evidence will be required to make a claim. The Emergency Worldwide Cover extra is not a substitute for a comprehensive travel insurance policy. It does not include destinations that are considered ‘at risk’ by the Foreign & Commonwealth Office (FCO) website.

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Not covered

Pregnancy

Not covered

Transplants

Not covered

Other benefits

Cover level - Comprehensive

Cover level - Enhanced

Optical – £200 (1 month qualifying period)
Health Screening – £200 (1 month qualifying period)


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