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General and Medical - Business Healthcare - Business Prime

Our Business Prime health insurance provides essential cover to your whole business. Your employees or members will be able to get well sooner by jumping queues for appointments and undergoing surgery for acute conditions, meaning your business can run as normal.

Here at General & Medical, we’ll cover your employees or members for in-patient benefits including accommodation, nursing care, surgeon and anaesthetist fees, theatre costs, intensive care costs, drugs, dressing and consumables, diagnostics including MRI and CT scans, physiotherapy, oro-surgical operations and procedures, and there are some out-patient benefits too.

In addition, your employees or members will also be covered for the treatment of cancer, cosmetic or aesthetic treatment, anti-cancer drugs and hospice care. If that’s not enough to take your liking then your employees will also have access to our Health and Wellbeing services, a 24 hour GP advice line and a wide variety of discounts and offers from our exclusive Lifestyle Rewards.

Private health insurance provides a sense of security and reassurance leaving you with happier, healthier and more satisfied workers, as employees will understand that you care about their health.

For more information regarding our Business Prime 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
	£500 Relating to an in-patient admission only
Diagnostic tests (excluding scans)
	Full refund- Relating to an in-patient admission only
GP referred consultations
	Not covered
Physiotherapy consultant referred
	£500 Relating to an in-patient admission only
Physiotherapy GP referred
	Not covered
Psychiatric cover
	Not covered
Radiotherapy / Chemotherapy
	Full refund (in accordance with General and Medical fee guidelines)
Scans - MRI / CT / PET
	Full refund- Relating to an in-patient admission only
Surgical Procedures
	Not available
Key Facts - Additional Benefits
NHS cash benefit
	£250 per night per person (£7,500 maximum pa)
Nursing at home
	Not covered
Parental accommodation
	Full refund
Primary care
	Not covered
Private ambulance
	Full refund
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	Overall maximum annual limit of £50,000 per person
Children covered
	From 30 days after birth up to the age of 21 (or 25 if still in full time education)
Chiropractors & Osteopaths
	£500 Relating to an in-patient admission only
Dental treatment
	Certain oral surgical procedures covered (but NOT routine dentistry)
GP minor surgery
	Not covered
GP Referred Chiropody, Podiatry or Homeopathy
	Not covered
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
	Not covered
Stress counselling helpline
	24 hour advice line
Transplants
	Not covered

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

£500 Relating to an in-patient admission only

Diagnostic tests (excluding scans)

Full refund- Relating to an in-patient admission only

GP referred consultations

Not covered

Physiotherapy consultant referred

£500 Relating to an in-patient admission only

Physiotherapy GP referred

Not covered

Psychiatric cover

Not covered

Radiotherapy / Chemotherapy

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

Scans - MRI / CT / PET

Full refund- Relating to an in-patient admission only

Surgical Procedures

Not available

Key Facts - Additional Benefits

NHS cash benefit

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

Nursing at home

Not covered

Parental accommodation

Full refund

Primary care

Not covered

Private ambulance

Full refund

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

Overall maximum annual limit of £50,000 per person

Children covered

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

Chiropractors & Osteopaths

£500 Relating to an in-patient admission only

Dental treatment

Certain oral surgical procedures covered (but NOT routine dentistry)

GP minor surgery

Not covered

GP Referred Chiropody, Podiatry or Homeopathy

Not covered

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

Not covered

Stress counselling helpline

24 hour advice line

Transplants

Not covered


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