| In-patient and day-patient treatment |
| Nationwide network of hospitals | | - Choice of a nationwide hospital list or choose the hospital network list and reduce the premium by 15%
- An upgrade option is available for additional specialist hospitals in London
- 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
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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
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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
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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 |
- In-patient and Day Care patient psychiatric treatment charges
- Treatment in respect of accommodation, nursing, drugs prescribed in a ward
- Specialist consultations and diagnostic procedures for psychiatric and mental conditions
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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
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| Consultation after a hospital stay | Full refund | - Expenses for specialist consultations and diagnostic procedures such as pathology and radiology
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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
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| Out patient radiotherapy/ chemotherapy | Full refund | - Diagnostic procedures which include pathology, radiology, CT and MRI scans
- In-/out-patient treatment including radiotherapy, chemotherapy, computerised tomography and MRI scans in full
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| Out patient psychiatric treatment | Annual limit: £1,200 | - Specialist consultations and diagnostic procedures for psychiatric and mental conditions
- Treatment in respect of specialist consultations, ECT, diagnostic procedures including pathology and radiology
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| Additional benefits |
| 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 14 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 | Annual limit: 13 weeks |
- 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
- Recuperative care limited to 14 hours per week for a maximum 30 days, up to £1,000 per policy year
- Payable up to a maximum of 13 weeks in each policy year
- 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 | Annual limit: 13 weeks |
- 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: £2,000 | - Cash benefit when you are treated in a public ward under the NHS (and not as a private patient)
- These benefits are only paid for overnight stays
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| Maternity benefit | Per child: £250 | - NHS maternity benefit for each birth where no claims are made for complications of pregnancy
- Complications of pregnancy cover only - available after 10 month membership
- Ante-natal and post natal consultations, test, investigations and confinement for a normal pregnancy - after 2 years membership - maximum payable £1,500
- Member has been covered for at least 2 years prior to the birth
- Obstetric procedures listed in the policy booklet
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| Emergency medical cover world wide | Annual limit: £3,000,000 | - 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
- World wide travel insurance
- Any holiday or business trip up to 90 days
- Emergency Assistance anywhere in the UK
- Cover includes repatriation, personal accident, cancellation or curtailment, loss of baggage and legal expenses
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| Personal accident cover | Annual limit: £25,000 | - Cover only when abroard under world wide travel cover
- World wide and UK cover available as an option to this policy
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| Free medical help line | Full refund | - Includes access to GP advice line
- Unlimited access to helpline and counselling service
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| Cover available for existing conditions | | - After 2 years of continuous cover from the cover start date, all pre-existing conditions may become eligible for benefit
- Minimum of 2 years to elapse and no medical advice or treatment has been given or advised by a specialist
- Under no circumstances forego any medical treatment for the pre-existing condition as advised by a specialist
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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
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| Consultations for acupuncture, osteopathy, chiropractic and homeopathy | Annual limit: £1,000 | - Includes claims for other alternative or complementary treatments and includes, acupuncture, osteopathy, chiropractic and homeopathy
- Policy limit quoted applies as the sum total of benefit available to all alternative medicines listed and includes consultations and specialist services
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| Chiropody | Annual limit: £100 | - Limit shown applies to all complementary medicine and treatments referred by your GP
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| Premium waiver under certain circumstances | | - Policyholder only. Maximum 5 years waiver (aged under 60) following in-patient hospital treatment and unable to return to work after 6 consecutive months
- Up to 2 years premium waiver (aged under 60) after a continuous period of 3 month unemployment (6 months for self-employed)
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| Permanent and total disability benefit | Annual limit: £10,000 | - Payable to policyholder and insured husband, wife or partner only
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| Critical illness benefit | Annual limit: £1,000 | - Applicable to adults under the age of 60
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| Dental expenses | Annual limit: £1,000 | - Dental expenses and benefits payable
- Higher limit of up to £5,000 cover for dental work as a result of an accident.
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| Acupuncture | Annual limit: £1,000 | - Policy limit quoted applies to all alternative medicines included within the policy
- Upon referral by a Specialist (not GP), out-patient treatment is fully covered
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| Homeopathy | Annual limit: £1,000 | - Policy limit quoted applies to all alternative medicines included within the policy
- Upon referral by a Specialist (not GP), out-patient treatment is fully covered
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| Osteopath | Annual limit: £1,000 | - Policy limit quoted applies as the sum total of benefit available to all alternative medicines listed and includes consultations and specialist services
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| Chiropractor | Annual limit: £1,000 | - Policy limit quoted is the sum total available for alternative treatments included within the policy
- Upon referral by a Specialist (not GP), out-patient treatment is fully covered
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| Children | | - Children are covered providing they remain un-married
- 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
- Maximum £3,000,000 for medical expenses and treatment received abroad
- Low Cost Options Cover (when not already included) - 1. Dental Expenses, 2. Hospital Cash, 3. Personal Accident, 4. Critical Illness, all available from Standard Life
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