| Hospital charges & medical fees |
Therapy fees |
In patient cancer treat ment |
In patient psych iatric treat ment |
Consult ation before hospital stay |
Consult ation after hospital stay |
Out patient physio therapy |
Out patient cancer treat ment |
Out patient psych iatric treat ment |
Minor surgery by a GP |
Parent accomm odation |
Private ambul ance |
Home nursing |
NHS cash benefit |
Maternity benefit |
World wide emerg ency cover |
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| In-patient and day-patient treatment |
| Nationwide network of hospitals | | - Nationwide network of hospitals
- Choose the hospital band or district area which is most appropriate for you and or your family to ensure you do not pay more than necessary
- Network hospitals are scaled into A, B, C, and D Bands. These scales signify the category of accommodation only and do not reflect or imply any difference in the quality of service or care provided.
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| Hospital charges | Full refund | - Day-patient hospital accommodation charges
- In-patient hospital accommodation charges
- Operating theatre charges including surgical dressings and drugs
- Surgical appliances needed as a vital part of an operation
- Prostheses and appliances (artificial body parts - eg. hip replacement) when implanted as an integral part of a surgical procedure
- Intensive care, nursing care, drugs and surgical dressings
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| Medical or surgery fees | Full refund | - Surgeons and anaesthetists fees
- Surgical procedures performed on an in-patient or day care basis
- Nursing care
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| Therapy fees e.g physiotherapy | Full refund | - In-patient pathology, physiotherapy and diagnostic procedures. Applies equally to day-patient treatment
- Diagnostic procedures which include pathology, radiology, CT and MRI scans
- Oncology including radiotherapy and chemotherapy
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| In patient cancer treatment e.g. radiotherapy and chemotherapy | Full refund | - In-patient and day-patient radiotherapy and chemotherapy charges in full
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| In patient psychiatric treatment | Annual limit: 28 days |
- Treatment in respect of accommodation, nursing, drugs prescribed in a ward
- Specialist consultations and diagnostic procedures for psychiatric and mental conditions
- In-patient and Day Care psychiatric treatment available for a maximum of 28 days per period of insurance
- Conditions caused by alcohol, drug or solvent abuse or any associated condition are excluded
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| Out-patient treatment |
| Consultation before a hospital stay | Full refund | - Expenses for specialist consultations and diagnostic procedures such as pathology and radiology
- Physicians' fees and specialist consultations available to both in-patient and day care treatment patients
- Diagnostic tests such as pathology and radiology fully covered
- Treatment and benefit would not normally be covered unless the specialist attends you on at least 5 days per week
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| Consultation after a hospital stay | Full refund | - Expenses for specialist consultations and diagnostic procedures such as pathology and radiology
- On referral by your specialist, consultations, investigations and treatment are fully covered
- Diagnostic tests and consultations will only qualify for payment when following or leading to related or eligible private in-/day-patient treatment
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| Out patient physiotherapy | Full refund | - In-patient, day-patient physiotherapy fees in full
- Out-patient physiotherapy fees fully refunded when referred by a Specialist or GP unless otherwise stated herein
- Out-patient physiotherapy that directly follows in-patient treatment and is part of the original treatment is covered in full
- Upon referral by a specialist (not GP), out-patient treatment is fully covered
- Limit shown here also includes the sum total available for complementary medical treatment as detailed in the additional benefits section
- Upon referral by a specialist (not GP), out-patient treatment is fully covered and includes acupuncture, chiropractic and osteopath treatments
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| Out patient radiotherapy/ chemotherapy | Full refund | - Out-patient radiotherapy and chemotherapy charges as part of a diagnosed treatment
- Diagnostic procedures which include pathology, radiology, CT and MRI scans
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| Out patient psychiatric treatment | Full refund | - Specialist consultations and diagnostic procedures for psychiatric and mental conditions
- Benefits apply to each insured member per year and is the maximum cover under the scheme
- Consultations given by a psychotherapist under the care of a consultant psychiatrist are fully refunded
- Conditions caused by alcohol, drug or solvent abuse or any associated condition are excluded
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| Additional benefits |
| Parent accommodation if child needs an overnight stay | Full refund | - If it is medically necessary for a parent to accompany the child, the cost of staying overnight in a hospital, nursing home or hotel
- Accommodation for a parent accompanying a child under 12 years of age when medically necessary
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| Private Ambulance | Full refund | - Private ambulance where medically necessary during the course of treatment
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| Post discharge home nursing | Full refund | - If it immediately follows in-patient treatment covered by the policy
- If it is prescribed by a specialist for medical reasons (not domestic reasons)
- If it is under the direction of a specialist
- If it is performed by a qualified nurse
- Limit quoted is the sum total amount payable for home nursing and applies to nursing which may include an overnight stay
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| Post discharge home nursing including home stay | Full refund | - If it immediately follows in-patient treatment covered by the policy
- If it is prescribed by a specialist for medical reasons (not domestic reasons)
- If it is under the direction of a specialist
- If it is performed by a qualified nurse
- Limit quoted is the sum total payable for home nursing and home nursing overnight stay
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| Cash benefit if treated by the NHS | Annual limit: 91 days |
- Cash benefit when you are treated in a public ward under the NHS (and not as a private patient)
- £100 cash benefit for each night spent in hospital
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| Maternity benefit | Per child: £150 | - Cash benefit for each birth when delivery and hospitalisation is provided under the NHS free of charge
- To qualify for maternity benefit membership must be exceed 12 months
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| Emergency medical cover world wide | Full refund | - Full monitoring of your condition whilst an in-patient abroad
- Transfer to an alternative hospital abroad if the treatment being given is medically unsatisfactory
- Repatriation to the UK following discharge from hospital if you cannot return by the means originally planned
- Settlement of eligible medical bills and other charges
- 24 hour dedicated emergency assistance contact line with multilingual medical support
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| Free medical help line | Full refund | - Medical Helpline is manned by qualified medical staff
- Medical information, fitness nutrition and medication, childcare line, homecare, counselling and bereavement information advice lines are all available to members
- 24 hour advice lines open 365 days a year
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| Specialist consultations and diagnostics such as pathology and radiology | Full refund | - Full cover in-patient and day-patient treatment
- Out-patient treatment covered when following and directly related to in-patient or day care treatment
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| Children | | - Single premium of eldest child covers all other children
- Children covered until age 21
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| Overall Policy Limit | | - No overall limit to claims except where particular benefits have maximum levels applied
- Special Health Screening discount facilities are available to members throughout the UK if you should wish to have one
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