| 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
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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
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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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| 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: £450 | - In-patient, day-patient physiotherapy fees in full
- Out patient fees covered each year in conjunction with other therapy costs
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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 |
| Parent accommodation if child needs an overnight stay | Full refund | - Accommodation for a parent accompanying a child under 10 years of age when medically advised
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| Private Ambulance | Annual limit: £200 | - Private ambulance where medically necessary during the course of treatment
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| Post discharge home nursing | Annual limit: 30 days |
- 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 | Annual limit: 30 days |
- 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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| Cash benefit if treated by the NHS | Annual limit: £2,000 | - These benefits are only paid for overnight stays
- First 2 nights spent in hospital excluded from claim
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| Maternity benefit | Full refund | - Complications of pregnancy - available after 24 months membership - Full cover
- Obstetric procedures listed in the policy booklet
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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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| Consultations for acupuncture, osteopathy, chiropractic and homeopathy | Annual limit: £500 | - 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: £500 | - 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: £500 | - 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: £500 | - 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: £500 | - 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 | | - Single premium of eldest child covers all other children
- Children covered until age 21
- Newborn children included on policy free until next renewal date provided parent has been a member for at least 10 mths. Notification of newborn required within 3 months to qualify
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| Overall Policy Limit | | - No overall limit to claims except where particular benefits have maximum levels applied
- Travellers Care (world wide travel insurance) - optional extra
- Dental care - optional extra
- Living Care (long term care insurance) - optional extra
- Premium values fixed each 2 year period. Upon each renewal a new 2 year fixed premium is available
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