| 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 | | - 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 |
- 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 | Annual limit: £1,000 | - In-patient, day-patient physiotherapy fees in full
- Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
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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
- Consultant oncologists fees in full including treatment received
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| Out patient psychiatric treatment | Annual limit: £1,200 | - Specialist consultations and diagnostic procedures for psychiatric and mental conditions
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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 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 | 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 | Full refund | - Complications of pregnancy cover only - available after 10 month membership
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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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| 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
- Upon referral by a Specialist (not GP), out-patient is fully covered
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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
- 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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