| 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
- Each hospital is consigned to a Postcode District - (District 1-4 incl). An individuals postcode will determine which Hospital District list applies and the corresponding premium
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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
- All hospital fees if the hospital is listed by your policy (Refunds in accordance with reasonable and customary fees for treatment)
- 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
- Treatment in hospitals A and B is limited to a maximum of £250 a day towards accommodation, operating theatre charges,drugs and dressings. The surgeons, anaesthetists and physicians fees will be fully refunded for eligible treatment.
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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
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| Therapy fees e.g physiotherapy | Full refund | - Diagnostic procedures which include pathology, radiology, CT and MRI scans
- In-patient and day-patient physiotherapy, radiotherapy and chemotherapy
- In-/day-patient treatment and benefits are only available subject to there being more than 6 weeks waiting list under the NHS
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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
- Consultant oncologists fees in full including treatment when received in a listed or approved hospital
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| Out-patient treatment |
| Consultation before a hospital stay | Full refund | - Physicians' fees and specialist consultations available to both in-patient and day care treatment patients
- No six week waiting period if out patient consultation
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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
- Specific treatments such as radiotherapy, chemotherapy and physiotherapy related to treatment recieved is fully covered
- Drugs and dressings used in out-patient appointments
- No six week waiting period if out patient consultation
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| Out patient physiotherapy | Full refund | - In-patient, day-patient physiotherapy fees in full
- 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
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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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| Additional benefits |
| Minor surgery by a GP | Full refund | - Up to a maximum of £70 for each procedure will be paid for minor surgery performed by your GP
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| Hospice | Annual limit: £700 | - A daily contribution of £70 will be made to the hospice for care and for a maximum of 10 days
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| Parent accommodation if child needs an overnight stay | Full refund | - The hospital's charges where it is medically necessary for a parent to accompany a child under 9 in hospital
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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
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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
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| Maternity benefit | Per child: £100 | - Cash benefit for each birth when delivery and hospitalisation is provided under the NHS free of charge
- Complications of pregnancy cover only - available after 10 month membership
- To qualify for complications of pregnancy and NHS child birth benefit membership must be over 10 months
- Obstetric procedures listed in the policy booklet
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| Free medical help line | Full refund | - A 24 hour advice and help line manned 365 days a year. Calls answered by qualified Doctors. Unlimited access
- Helpline offers guaranteed access to a GP who will answer questions and offer medical advice over the phone
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| Specialist consultations and diagnostics such as pathology and radiology | Full refund | - Full cover in-patient and day-patient treatment
- Full cover for out-patient treatment when recommended by a specialist
- No six week waiting period if out patient consultation
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| Children | | - Newborn children included on policy free for the first 3 months. Thereafter payable
- Children are covered providing they remain un-married
- Children may remain on policy until they are 24 (if they are in full time education) and will remain covered until the next annual policy review date
- Single premium of eldest child under the age of 20 covers all younger children named on the policy
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| Overall Policy Limit | | - No overall limit to claims except where particular benefits have maximum levels applied
- Annual travel insurance and overseas cover are available as an option to the policy
- Pre-authorisation for treatment by phone (ClaimCall). A detailed confirmation letter will be sent within 24 hours for your use in consultations with specialists
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