121 Healthcare Ltd

Policy Details for WPA: Flexible Health + Therapy

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Flexible Health + Therapy: Policy details

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
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 All hospital fees if the hospital is listed by your policy
Medical or surgery fees	Full refund
Therapy fees e.g physiotherapy	Full refund	Full refund for hospital and specialist charges, radiotherapy and chemotherapy drugs administered as an in-patient
In patient cancer treatment e.g. radiotherapy and chemotherapy	Full refund	In-patient and day-patient radiotherapy and chemotherapy charges in full
In patient psychiatric treatment	Full refund

Out-patient treatment
Consultation before a hospital stay	Full refund	Physicians' fees and specialist consultations up to Ł100 per policy year
Consultation after a hospital stay	Full refund	Physicians' fees and specialist consultations up to Ł100 per policy year
Out patient physiotherapy	Full refund	Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
Out patient radiotherapy/ chemotherapy	Full refund	Full refund for hospitals and specialist charges, radiotherapy and chemotherapy as an out-patient
Out patient psychiatric treatment	Full refund

Additional benefits
Minor surgery by a GP	Full refund	Minor surgery performed by your GP
Hospice	Annual limit: £100	Donation towards hospice
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
Private Ambulance	Full refund	Private ambulance where medically necessary during the course of treatment
Post discharge home nursing	Full refund	Up to 4 weeks per year by a qualified nurse
Post discharge home nursing including home stay	Full refund
Cash benefit if treated by the NHS	Annual limit: £3000	Cash benefit when you are treated in a public ward under the NHS (and not as a private patient) These benefits are paid for overnight stays and when you are a day care patient Ł100 per night going up to a maximum of Ł2000
Maternity benefit	Full refund
Emergency medical cover world wide	Full refund
Optical cover	Full refund
Personal accident cover	Full refund
Free medical help line	Full refund
Cover available for existing conditions
Specialist consultations and diagnostics such as pathology and radiology	Full refund
Consultations for acupuncture, osteopathy, chiropractic and homeopathy	Full refund
Chiropody	Full refund	Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
Premium waiver under certain circumstances
Permanent and total disability benefit	Full refund
Critical illness benefit
Dental expenses	Full refund
Acupuncture	Full refund	Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
Homeopathy	Full refund	Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
Medical Herbalist	Full refund
Osteopath	Full refund	Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
Podiatrist (Foot Surgeon)	Full refund	Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
Chiropractor	Full refund	Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
Children
Overall Policy Limit

Please note: even when expressed as a full refund, all costs must be necessarily incurred and benefit will be paid in accordance with the reasonable and customary fees for the treatment received.

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121 Healthcare Ltd,
92 Bath Road,
Cheltenham,
GL53 7JT

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The information on this site applies to UK residents only. All prices include Insurance Premium Tax at the current rate. 121 Healthcare Ltd have carefully checked all the information for accuracy. The monthly subscription rate is subject to final confirmation from your chosen health care supplier. Final rates may vary by a few pence due to rounding differences. Whilst 121 Healthcare Ltd endeavour to ensure that the information displayed is accurate, we cannot be held responsible for any inaccuracies or errors. All insurance is subject to acceptance by the health care company concerned. 121 Healthcare Ltd endeavour to respond to all e-mails within two working days. If you experience any problems on this site, please contact info@121healthcare.com or phone us on 01242 513222.