Home > General and Medical - Business Healthcare - Module 1

General and Medical - Business Healthcare - Module 1

If you’re wanting to take care of your employees or members health on a wider scale, then our Module 1 cover does just that. Offering a more comprehensive cover, Module 1 also includes out-patient benefits and cover for cancer treatments including radiotherapy and chemotherapy.

Ensuring that your employees or members have access to private health insurance is a huge benefit in the workplace and can really work in your favour in terms of staff turn around, attracting the right staff and reducing absenteeism.

Our Module 1 cover will provide your employees or members all the benefits of our Business Prime cover, plus an additional benefit for cancer, complications of pregnancy, life cash benefits, critical illness cash benefits and home nursing.

In addition, your employees or members will have access to our Health and Wellbeing services, a 24 hour GP advice line and our exclusive Lifestyle Rewards, offering discounts on a range of luxury products.

Providing health insurance to your employees or members gives a real sense of security and reassurance resulting in happier and healthier workers, who understand that you care about their health and wellbeing.

For more information regarding our Module 1 health insurance then take a look at our Business Healthcare brochure.

Benefits

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Full refund (in accordance with General and Medical fee guidelines)
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full refund (in accordance with General and Medical fee guidelines)
Physicians fees & diagnostic tests
	Full refund (in accordance with General and Medical fee guidelines)
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Full refund (in accordance with General and Medical fee guidelines)
Psychiatric treatment
	Groups of up to 5 adults, cover is on a 50% co-share basis, to a maximum of £20,000 or 35 days treatment per membership year. For groups of 6 adults or more, full cover is given for up to £24,000 or 28 days followed by up to an additional 12 days on a 50% co-share basis. A 12 month qualifying period applies.
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
	Therapies - Total amount for Therapies £500 per membership year, of which only £500 can be spent on complementary therapies. This benefit forms part of overall Out-patient benefit of £1,500
Diagnostic tests (excluding scans)
	This benefit forms part of overall out-patient benefit of £1,500
GP referred consultations
	This benefit forms part of overall out-patient benefit of £1,500
Physiotherapy consultant referred
	Therapies - Total amount for Therapies £500 per membership year, of which only £250 can be spent on complementary therapies. This benefit forms part of overall Out-patient benefit of £1,500
Physiotherapy GP referred
	Therapies - Total amount for Therapies £500 per membership year, of which only £500 can be spent on complementary therapies. This benefit forms part of overall Out-patient benefit of £1,500
Psychiatric cover
	£1,000 in any membership year (in accordance with General and Medical fee guidelines)
Radiotherapy / Chemotherapy
	Full refund (in accordance with General and Medical fee guidelines)
Scans - MRI / CT / PET
	This benefit forms part of overall out-patient benefit of £1,500
Surgical Procedures
	Not available
Key Facts - Additional Benefits
NHS cash benefit
	£250 per night per person (£7,500 maximum pa)
Nursing at home
	Full refund
Parental accommodation
	Full refund
Primary care
	No Cover for treatment given by a GP
Private ambulance
	Full refund
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	From 30 days after birth up to the age of 21 (or 25 if still in full time education)
Chiropractors & Osteopaths
	Therapies - Total amount for Therapies £500 per membership year, of which only £250 can be spent on complementary therapies. This benefit forms part of overall Out-patient benefit of £1,500
Dental treatment
	Certain oral surgical procedures covered (but NOT routine dentistry)
GP minor surgery
	Not covered
GP Referred Chiropody, Podiatry or Homeopathy
	Therapies - Total amount for Therapies £500 per membership year, of which only £500 can be spent on complementary therapies. This benefit forms part of overall Out-patient benefit of £1,500
Hospice care cash benefit
	Not covered
Infertility investigations
	Not covered
Maternity cash benefit
	Not covered
Optional cash benefit
	Not covered
Out of pocket expenses
	Not covered
Overseas cover
	Additional cost option available through General & Medical
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	Not covered
Pregnancy
	Complications of Pregnancy In Full (defined conditions only)
Stress counselling helpline
	24 hour advice line
Transplants
	Not covered
Other benefits
	Life Cash Benefit: £1,000 Critical Illness Cash Benefit: £1,000

Key Facts - In-patient & Day Case Charges

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

Full refund (in accordance with General and Medical fee guidelines)

Surgeon / Consultant / Specialist & Anaesthetists fees

Full refund (in accordance with General and Medical fee guidelines)

Physicians fees & diagnostic tests

Full refund (in accordance with General and Medical fee guidelines)

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Full refund (in accordance with General and Medical fee guidelines)

Psychiatric treatment

Groups of up to 5 adults, cover is on a 50% co-share basis, to a maximum of £20,000 or 35 days
treatment per membership year. For groups of 6 adults or more, full cover is given for up to £24,000 or 28 days followed by up to an additional 12 days on a 50% co-share basis. A 12 month qualifying period applies.

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

Therapies - Total amount for Therapies £500 per membership year, of which only £500 can be spent on complementary therapies. This benefit forms part of overall Out-patient benefit of £1,500

Diagnostic tests (excluding scans)

This benefit forms part of overall out-patient benefit of £1,500

GP referred consultations

This benefit forms part of overall out-patient benefit of £1,500

Physiotherapy consultant referred

Therapies - Total amount for Therapies £500 per membership year, of which only £250 can be spent on complementary therapies. This benefit forms part of overall Out-patient benefit of £1,500

Physiotherapy GP referred

Psychiatric cover

£1,000 in any membership year (in accordance with General and Medical fee guidelines)

Radiotherapy / Chemotherapy

Full refund (in accordance with General and Medical fee guidelines)

Scans - MRI / CT / PET

This benefit forms part of overall out-patient benefit of £1,500

Surgical Procedures

Not available

Key Facts - Additional Benefits

NHS cash benefit

£250 per night per person (£7,500 maximum pa)

Nursing at home

Full refund

Parental accommodation

Full refund

Primary care

No Cover for treatment given by a GP

Private ambulance

Full refund

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

From 30 days after birth up to the age of 21 (or 25 if still in full time education)

Chiropractors & Osteopaths

Dental treatment

Certain oral surgical procedures covered (but NOT routine dentistry)

GP minor surgery

Not covered

GP Referred Chiropody, Podiatry or Homeopathy

Hospice care cash benefit

Not covered

Infertility investigations

Not covered

Maternity cash benefit

Not covered

Optional cash benefit

Not covered

Out of pocket expenses

Not covered

Overseas cover

Additional cost option available through General & Medical

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Not covered

Pregnancy

Complications of Pregnancy In Full (defined conditions only)

Stress counselling helpline

24 hour advice line

Transplants

Not covered

Other benefits

Life Cash Benefit: £1,000
Critical Illness Cash Benefit: £1,000


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