IR - AXA health - inSpire Health Plan

AXA health - inSpire Health Plan

'inSpire' Health Plan

core cover

With the inSpire Health Plan, your clients can choose cover that focuses on the care and treatment that matters to them.

Core cover includes in‑patient and day-patient treatment, as well as out‑patient surgery. Then they can add options such as out-patient cover and therapies to enhance their cover.

Our additional options include: Standard or Full out-patient, Private GP Cover, Mental Health, Therapies and Dentist and Optician Cashback.

Benefits

Outpatient	All Standard Full
Therapies Option	All Yes No
Mental Health Option	All Yes No
Dentist and Optician Cashback Option	All Yes No
Travel Cover	All Yes No
Cancer Cover	All Comprehensive Cancer Cover NHS Cancer Support.

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Covered in full, subject to using the inSpire Specified Hospital List
Surgeon / Consultant / Specialist & Anaesthetists fees
	Covered in full, subject to using the inSpire Specified Hospital List
Physicians fees & diagnostic tests
	Covered in full, subject to using the inSpire Specified Hospital List
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Cost paid in FULL
Psychiatric treatment
Therapies Option - No	Not covered
Therapies Option - Yes	Psychiatric treatment, including accommodation, diagnostics tests and drugs are paid for 30 days a year at a hospital or day-patient unit in the inSpire Specified Hospital List
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
	Not covered
Diagnostic tests (excluding scans)
	Cost paid in FULL
GP referred consultations
	Cost paid in FULL
Physiotherapy consultant referred
	£500 per policy year for physiotherapy
Physiotherapy GP referred
	£500 per policy year for physiotherapy
Psychiatric cover
Mental Health Option - No	Not covered
Mental Health Option - Yes	Combined yearly limit of £1,000 for: * Specialist consultations for psychiatric treatment. * Psychiatric treatment by psychologists and cognitive behavioral therapists, so long as a specialist oversees treatment
Radiotherapy / Chemotherapy
	Cost paid in FULL
Scans - MRI / CT / PET
	Cost paid in FULL
Surgical Procedures
	Cost paid in FULL
Key Facts - Additional Benefits
NHS cash benefit
	Not available
Nursing at home
	Not covered
Parental accommodation
	Cost paid in FULL
Private ambulance
	Cost paid in FULL
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum within your overall policy benefit allowance
Children covered
	Children between the ages of 0 and 25
Chiropractors & Osteopaths
	Not covered
Dental treatment
	Cost paid in FULL for Oral Surgery only (non dental)
Hospice donation
	Not covered
Infertility investigations
	Not covered
Maternity cash benefit
	Not available
Optional cash benefit
Dentist and Optician Cashback Option - No	Not available
Dentist and Optician Cashback Option - Yes	Dentist and Optician Cashback Benefit * Dental care: 80% of the costs incurred will be paid, up to £400 each year * Optical cover: 80% of the costs incurred will be paid, up to £200 every years for prescribed spectacles and contact lenses needed to correct vision * Eye test: Up to £25 each year for an eye test
Out of pocket expenses
	Not covered
Overseas cover
	Not covered
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	Not available
Pregnancy
	Not covered
Transplants
	Not covered
Other benefits
	Specified Surgery cash benefit eligible treatments If you choose to have eligible treatment for certain specified surgical procedures through an alternative provider, rather than claim for the private treatment under your plan, you’ll be eligible for a cash lump sum to spend as you wish. This treatment needs to be agreed with AXA PPP healthcare Limited in advance Treatment Cash Benefit Cardiac Valve Surgery £10,000 Coronary Artery Bypass Graft (heart bypass) £10,000 Cardiac Pacemaker £5,000 Coronary Angioplasty £5,000 Cardiac Arrhythmia Ablation Treatment £5,000 Hip Replacement £5,000 Knee Replacement £5,000 Womb & Bladder Prolapse £2,000 Tonsillectomy & Adenoidectomy £1,000 Grommet Insertion £1,000 Haemorrhoidectomy £1,000 Hernia Surgery £1,000 Carpal Tunnel Surgery £750

Key Facts - In-patient & Day Case Charges

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

Covered in full, subject to using the inSpire Specified Hospital List

Surgeon / Consultant / Specialist & Anaesthetists fees

Covered in full, subject to using the inSpire Specified Hospital List

Physicians fees & diagnostic tests

Covered in full, subject to using the inSpire Specified Hospital List

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Cost paid in FULL

Psychiatric treatment

Therapies Option - No

Not covered

Therapies Option - Yes

Psychiatric treatment, including accommodation, diagnostics tests and drugs are paid for 30 days a year at a hospital or day-patient unit in the inSpire Specified Hospital List

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

Not covered

Diagnostic tests (excluding scans)

Cost paid in FULL

GP referred consultations

Cost paid in FULL

Physiotherapy consultant referred

£500 per policy year for physiotherapy

Physiotherapy GP referred

£500 per policy year for physiotherapy

Psychiatric cover

Mental Health Option - No

Not covered

Mental Health Option - Yes

Combined yearly limit of £1,000 for:
* Specialist consultations for psychiatric treatment.
* Psychiatric treatment by psychologists and cognitive behavioral therapists, so long as a specialist oversees treatment

Radiotherapy / Chemotherapy

Cost paid in FULL

Scans - MRI / CT / PET

Cost paid in FULL

Surgical Procedures

Cost paid in FULL

Key Facts - Additional Benefits

NHS cash benefit

Not available

Nursing at home

Not covered

Parental accommodation

Cost paid in FULL

Private ambulance

Cost paid in FULL

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum within your overall policy benefit allowance

Children covered

Children between the ages of 0 and 25

Chiropractors & Osteopaths

Not covered

Dental treatment

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

Hospice donation

Not covered

Infertility investigations

Not covered

Maternity cash benefit

Not available

Optional cash benefit

Dentist and Optician Cashback Option - No

Not available

Dentist and Optician Cashback Option - Yes

Dentist and Optician Cashback Benefit
* Dental care: 80% of the costs incurred will be paid, up to £400 each year
* Optical cover: 80% of the costs incurred will be paid, up to £200 every years for prescribed spectacles and contact lenses needed to correct vision
* Eye test: Up to £25 each year for an eye test

Out of pocket expenses

Not covered

Overseas cover

Not covered

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Not available

Pregnancy

Not covered

Transplants

Not covered

Other benefits

Specified Surgery cash benefit eligible treatments
If you choose to have eligible treatment for certain specified surgical procedures through an alternative provider, rather than claim for the private treatment under your plan, you’ll be eligible for a cash lump sum to spend as you wish. This treatment needs to be agreed with AXA PPP healthcare Limited in advance
Treatment Cash Benefit
Cardiac Valve Surgery £10,000
Coronary Artery Bypass Graft (heart bypass) £10,000
Cardiac Pacemaker £5,000
Coronary Angioplasty £5,000
Cardiac Arrhythmia Ablation Treatment £5,000
Hip Replacement £5,000
Knee Replacement £5,000
Womb & Bladder Prolapse £2,000
Tonsillectomy & Adenoidectomy £1,000
Grommet Insertion £1,000
Haemorrhoidectomy £1,000
Hernia Surgery £1,000
Carpal Tunnel Surgery £750


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