IR - AXA Health (Formaly APRIL UK)

AXA Health (Formaly APRIL UK) - Foundation

Private Medical Insurance Plan

Gain access to private hospitals throughout the UK, including Spire, BMI & Nuffield hospitals
High quality patient care from the country's most experienced consultants, surgeons and specialists
No need to wait on NHS list - receive treatment when you need it
Convenience - see a specialist or receive treatment at a time that suits you.
Peace of mind for you and your family

Benefits

Foundation Cover
Cover level	All Standard Cover Limited Outpatient Cover Full Outpatient Cover
Options
1 : Complementry Medicine	All Yes No
2 : Health Cash Benefit	All Yes No
3 : Psychiatric Benefit	All Yes No
4 : Extended Hospitals (London)	All Yes No

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Cost paid in FULL
Surgeon / Consultant / Specialist & Anaesthetists fees
	Cost paid in FULL
Physicians fees & diagnostic tests
	Cost paid in FULL
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Cost paid in FULL
Psychiatric treatment
3 : Psychiatric Benefit - No	Not covered
3 : Psychiatric Benefit - Yes	£8,000 per policy year combined for in-patient, day-patient and out-patient care including consultations, medication and overnight stays in a psychiatric unit - Out-patient treatment limited to £1,000 per policy year
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
1 : Complementry Medicine - No	Not covered
1 : Complementry Medicine - Yes	£500 per policy year combined limit for Acupuncture, Chiropractic Care, Osteopathy, Homeopathy
Diagnostic tests (excluding scans)
Cover level - Standard Cover	Not covered
Cover level - Limited Outpatient Cover	£500 per policy year as a combined benefit for Specialist Consultations, Pathology, X-Rays, Diagnostic Tests, Physiotherapy
Cover level - Full Outpatient Cover	Cost paid in FULL
GP referred consultations
Cover level - Standard Cover	Not covered
Cover level - Limited Outpatient Cover	£500 per policy year as a combined benefit for Specialist Consultations, Pathology, X-Rays, Diagnostic Tests, Physiotherapy
Cover level - Full Outpatient Cover	Cost paid in FULL (Physiotherapy limited to £500 per policy year)
Physiotherapy consultant referred
Cover level - Standard Cover	Not covered
Cover level - Limited Outpatient Cover	£500 per policy year as a combined benefit for Specialist Consultations, Pathology, X-Rays, Diagnostic Tests, Physiotherapy
Cover level - Full Outpatient Cover	Cost paid in FULL (Physiotherapy limited to £500 per policy year)
Physiotherapy GP referred
Cover level - Standard Cover	Not covered
Cover level - Limited Outpatient Cover	£500 per policy year as a combined benefit for Specialist Consultations, Pathology, X-Rays, Diagnostic Tests, Physiotherapy
Cover level - Full Outpatient Cover	Cost paid in FULL (Physiotherapy limited to £500 per policy year)
Psychiatric cover
3 : Psychiatric Benefit - No	Not covered
3 : Psychiatric Benefit - Yes	£8,000 per policy year combined for in-patient, day-patient and out-patient care including consultations, medication and overnight stays in a psychiatric unit - Out-patient treatment limited to £1,000 per policy year
Radiotherapy / Chemotherapy
	Cost paid in FULL
Scans - MRI / CT / PET
Cover level - Standard Cover	Not covered
Cover level - Limited Outpatient Cover Cover level - Full Outpatient Cover	Cost paid in FULL
Surgical Procedures
	Not covered
Key Facts - Additional Benefits
NHS cash benefit
	NHS Cash benefit £100 per night up to 30 nights per policy year, NHS Cancer Cash benefit £300 per night up to 30 nights per policy year
Nursing at home
	13 weeks per policy year
Parental accommodation
	Cost paid in FULL
Private ambulance
	Cost paid in FULL
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	There is an aggregate limit of £1m per person per policy year on total benefits payable under this plan. Benefits are payable during the policy period only
Children covered
	Children between the ages of 0 and 25
Chiropractors & Osteopaths
1 : Complementry Medicine - No	Not covered
1 : Complementry Medicine - Yes	£500 per policy year combined limit for Acupuncture, Chiropractic Care, Osteopathy, Homeopathy
Dental treatment
	Cost paid in FULL for Oral Surgery only (non dental)
Hospice donation
	Not covered
Infertility investigations
	Not covered
Maternity cash benefit
2 : Health Cash Benefit - No	Not available
2 : Health Cash Benefit - Yes	See Health Cash Benefits
Optional cash benefit
2 : Health Cash Benefit - No	Not available
2 : Health Cash Benefit - Yes	Health Cash Benefits Dental Treatment - £150 per policy year Optical Care - £100 per policy year Hospital Out of Pocket Cash - £25 per night Maternity Cash - £150 per child Recuperative Care Cash - £350 per policy year Home Help Cash - £250 per policy year Serious Accident Lump Sum - £10,000 lump sum Accidental Death Lump Sum - £10,000 lump sum
Out of pocket expenses
2 : Health Cash Benefit - No	Not covered
2 : Health Cash Benefit - Yes	See Health Cash Benefits
Overseas cover
	Not covered
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
2 : Health Cash Benefit - No	Not available
2 : Health Cash Benefit - Yes	See Health Cash Benefits
Pregnancy
	Not covered
Transplants
	Not covered
Other benefits
4 : Extended Hospitals (London) - Yes	Extended Hospital (London) As standard, the vast majority of private hospitals throughout the UK are covered. This option provides access to a handful of exclusive London hospitals. Please see our Hospital List for more details

Key Facts - In-patient & Day Case Charges

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

Cost paid in FULL

Surgeon / Consultant / Specialist & Anaesthetists fees

Cost paid in FULL

Physicians fees & diagnostic tests

Cost paid in FULL

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Cost paid in FULL

Psychiatric treatment

3 : Psychiatric Benefit - No

Not covered

3 : Psychiatric Benefit - Yes

£8,000 per policy year combined for in-patient, day-patient and out-patient care including consultations, medication and overnight stays in a psychiatric unit - Out-patient treatment limited to £1,000 per policy year

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

1 : Complementry Medicine - No

Not covered

1 : Complementry Medicine - Yes

£500 per policy year combined limit for Acupuncture, Chiropractic Care, Osteopathy, Homeopathy

Diagnostic tests (excluding scans)

Cover level - Standard Cover

Not covered

Cover level - Limited Outpatient Cover

£500 per policy year as a combined benefit for Specialist Consultations, Pathology, X-Rays, Diagnostic Tests, Physiotherapy

Cover level - Full Outpatient Cover

Cost paid in FULL

GP referred consultations

Cover level - Standard Cover

Not covered

Cover level - Limited Outpatient Cover

£500 per policy year as a combined benefit for Specialist Consultations, Pathology, X-Rays, Diagnostic Tests, Physiotherapy

Cover level - Full Outpatient Cover

Cost paid in FULL (Physiotherapy limited to £500 per policy year)

Physiotherapy consultant referred

Cover level - Standard Cover

Not covered

Cover level - Limited Outpatient Cover

£500 per policy year as a combined benefit for Specialist Consultations, Pathology, X-Rays, Diagnostic Tests, Physiotherapy

Cover level - Full Outpatient Cover

Cost paid in FULL (Physiotherapy limited to £500 per policy year)

Physiotherapy GP referred

Cover level - Standard Cover

Not covered

Cover level - Limited Outpatient Cover

£500 per policy year as a combined benefit for Specialist Consultations, Pathology, X-Rays, Diagnostic Tests, Physiotherapy

Cover level - Full Outpatient Cover

Cost paid in FULL (Physiotherapy limited to £500 per policy year)

Psychiatric cover

3 : Psychiatric Benefit - No

Not covered

3 : Psychiatric Benefit - Yes

Radiotherapy / Chemotherapy

Cost paid in FULL

Scans - MRI / CT / PET

Cover level - Standard Cover

Not covered

Cover level - Limited Outpatient Cover

Cover level - Full Outpatient Cover

Cost paid in FULL

Surgical Procedures

Not covered

Key Facts - Additional Benefits

NHS cash benefit

NHS Cash benefit
£100 per night up to 30 nights per policy year,
NHS Cancer Cash benefit
£300 per night up to 30 nights per policy year

Nursing at home

13 weeks per policy year

Parental accommodation

Cost paid in FULL

Private ambulance

Cost paid in FULL

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

There is an aggregate limit of £1m per person per policy year on total benefits payable under this plan. Benefits are payable during the policy period only

Children covered

Children between the ages of 0 and 25

Chiropractors & Osteopaths

1 : Complementry Medicine - No

Not covered

1 : Complementry Medicine - Yes

£500 per policy year combined limit for Acupuncture, Chiropractic Care, Osteopathy, Homeopathy

Dental treatment

Cost paid in FULL for Oral Surgery only (non dental)

Hospice donation

Not covered

Infertility investigations

Not covered

Maternity cash benefit

2 : Health Cash Benefit - No

Not available

2 : Health Cash Benefit - Yes

See Health Cash Benefits

Optional cash benefit

2 : Health Cash Benefit - No

Not available

2 : Health Cash Benefit - Yes

Health Cash Benefits
Dental Treatment - £150 per policy year
Optical Care - £100 per policy year
Hospital Out of Pocket Cash - £25 per night
Maternity Cash - £150 per child
Recuperative Care Cash - £350 per policy year
Home Help Cash - £250 per policy year
Serious Accident Lump Sum - £10,000 lump sum
Accidental Death Lump Sum - £10,000 lump sum

Out of pocket expenses

2 : Health Cash Benefit - No

Not covered

2 : Health Cash Benefit - Yes

See Health Cash Benefits

Overseas cover

Not covered

Personal & total disability benefit

Not covered

Post hospital recovery bonus

2 : Health Cash Benefit - No

Not available

2 : Health Cash Benefit - Yes

See Health Cash Benefits

Pregnancy

Not covered

Transplants

Not covered

Other benefits

4 : Extended Hospitals (London) - Yes

Extended Hospital (London)
As standard, the vast majority of private hospitals throughout the UK are covered. This option provides access to a handful of exclusive London hospitals. Please see our Hospital List for more details


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