Insurer & Benefits | Find a broker | |||
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Key Facts - In-patient & Day Case Charges | |
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Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings | |
Essential cover - Yes
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Essential cover - Covered* (Compulsory level of cover - No annual maximum) |
Heart & Cancer - Comprehensive
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Heart & Cancer option - Covered* (Both open and closed heart procedures and cancer related surgery. Covered for accommodation, theatre costs and all related investigations and medical costs including physiotherapy and dietician) |
Heart & Cancer - Limited £50K/£50K
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Heart & Cancer option - Covered Limited to £50,000 * (Both open and closed heart procedures and cancer related surgery. Covered for accommodation, theatre costs and all related investigations and medical costs including physiotherapy and dietician) |
Surgeon / Consultant / Specialist & Anaesthetists fees | |
Essential cover - Yes
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Essential cover - Covered* 2 (Compulsory level of cover - No annual maximum) |
Heart & Cancer - Comprehensive
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Heart & Cancer option - Covered* 2 |
Heart & Cancer - Limited £50K/£50K
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Heart & Cancer option - Covered limited to £50,000 * 2 |
Physicians fees & diagnostic tests | |
Essential cover - Yes
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Essential cover - Covered* (Compulsory level of cover - No annual maximum) - for each day of in-patient care delivered according to complexity of illness and investigations performed. |
Heart & Cancer - Comprehensive
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Heart & Cancer option - Covered* 2 for both open and closed heart procedures and cancer related surgery. |
Heart & Cancer - Limited £50K/£50K
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Heart & Cancer option - Covered limited to £50,000 * 2 for both open and closed heart procedures and cancer related surgery |
Cancer Treatment Costs - Chemotherapy / Radiotherapy | |
Heart & Cancer - No
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Essential cover - Not covered |
Heart & Cancer - Comprehensive
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Heart & Cancer option - Covered* (Cancer treatment and medical admissions; including radiotherapy and chemotherapy, and related treatments such as monoclonial antibodies and hormone therapies) |
Heart & Cancer - Limited £50K/£50K
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Heart & Cancer option - Covered limited to £50,000 * (Cancer treatment and medical admissions; including radiotherapy and chemotherapy, and related treatments such as monoclonial antibodies and hormone therapies) |
Psychiatric treatment | |
Essential cover - Not covered | |
Six week option | |
Not available | |
Key Facts - Out-patient Charges | |
Complementary medicine | |
Therapy & Care - Yes
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Therapy & Care option - On either referral from your General Practitioner or under supervision from a Specialist/Consultant. We will initially pre-authorise 2 sessions in the first instance, if more treatment is required we will expect the Therapist to supply a treatment plan on request so we can confirm what further cover is available. * Chiropody and Podiatry - up to £400 per person per policy year - to treat in-growing toenails, verruca's and for biomechanical assessments & orthotic's * Speech Therapy - Covered* (As part of medical treatment) * Occupational therapy - Covered* (Following an acute illness, or following an NHS in-patient admission to assess your needs or your activities of daily living or for a pre-agreed course or therapy to aid recovery.) * Appliances/aid - up to £400 per person per policy year (Following an in-patient admission to cover the need for raised toilet seat, grab rails, walking sticks zimmer type frames etc subject to recommendation by a Consultant or Therapist.) * Home Help - up to 14 days each admission (Immediately following a hospital admission, under the specific direction of the Consultant/Specialist and carried out by a registered home help or carer.) |
Therapy & Care - No
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Essential cover - Not covered |
Diagnostic tests (excluding scans) | |
Expert Diagnostics - No
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Essential cover - Covered* as part of necessary aftercare within 90 days immediately following a planned pre-authorised private hospital admission. Also for pre-operative tests up to 2 weeks prior to an authorised hospital admission to cover blood and urine tests, chest X-ray, ECG and assessment with an anaesthetist if required. |
Expert Diagnostics - Comprehensive
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Expert Diagnostics option - Covered* 1 for investigations and tests including blood tests, ECG, EEG, ultrasound scan, X-rays and related tests as part of consultant supervised care or on GP referral. |
Expert Diagnostics - 1000
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Expert Diagnostics option - Covered limiteed to £1,000* 1 for investigations and tests including blood tests, ECG, EEG, ultrasound scan, X-rays and related tests as part of consultant supervised care or on GP referral. |
Expert Diagnostics - 500
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Expert Diagnostics option - Covered limited to £500* 1 for investigations and tests including blood tests, ECG, EEG, ultrasound scan, X-rays and related tests as part of consultant supervised care or on GP referral. |
GP referred consultations | |
Expert Diagnostics - No
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Essential cover - Not covered |
Expert Diagnostics - Comprehensive
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Expert Diagnostics option - Covered* on referral from your GP, Optician or Dentist or another Consultant / Specialist |
Expert Diagnostics - 1000
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Expert Diagnostics option - Covered limited to £1,000 * on referral from your GP, Optician or Dentist or another Consultant / Specialis |
Expert Diagnostics - 500
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Expert Diagnostics option - Covered limited to £500 * on referral from your GP, Optician or Dentist or another Consultant / Specialis |
Physiotherapy consultant referred | |
Therapy & Care - Yes
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Therapy & Care option - On either referral from your General Practitioner or under supervision from a Specialist/Consultant. We will initially pre-authorise 2 sessions in the first instance, if more treatment is required we will expect the Therapist to supply a treatment plan on request so we can confirm what further cover is available. |
Therapy & Care - No
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Essential cover - Post-operative physiotherapy is Covered* as part of necessary aftercare within 90 days immediately following a planned pre-authorised private hospital admission |
Physiotherapy GP referred | |
Therapy & Care - Yes
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Therapy & Care option - On either referral from your General Practitioner or under supervision from a Specialist/Consultant. We will initially pre-authorise 2 sessions in the first instance, if more treatment is required we will expect the Therapist to supply a treatment plan on request so we can confirm what further cover is available. |
Therapy & Care - No
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Essential cover - Not covered |
Psychiatric cover | |
Expert Diagnostics - No
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Essential cover - Not covered |
Expert Diagnostics - Comprehensive
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Expert Diagnostics option - Psychiatric consultations and counselling up to £1,000 per person per policy year (on referral from your GP or another Consultant/Specialist to a Consultant Psychiatrist or recognised Councellor) |
Expert Diagnostics - 1000 Expert Diagnostics - 500
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Expert Diagnostics option - Not covered |
Radiotherapy / Chemotherapy | |
Heart & Cancer - No
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Essential cover - Not covered |
Heart & Cancer - Comprehensive
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Heart & Cancer option - Covered* for cancer treatment and medical admissions; including radiotherapy and chemotherapy, and related treatments such as monoclonial antibodies and hormone therapies |
Heart & Cancer - Limited £50K/£50K
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Heart & Cancer option - Covered limited to £50,000* for cancer treatment and medical admissions; including radiotherapy and chemotherapy, and related treatments such as monoclonial antibodies and hormone therapies |
Scans - MRI / CT / PET | |
Heart & Cancer - No
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Essential cover - Covered* |
Heart & Cancer - Comprehensive
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Heart & Cancer option - Covered* for necessary aftercare per Cancer condition, including consultations, diagnostics, specialists scans and investigations (CT, MRI, PET, DAT and MIBG) and physiotherapy for 5 years following the initial diagnosis. |
Heart & Cancer - Limited £50K/£50K
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Heart & Cancer option - Covered limited to £50,000* for necessary aftercare per Cancer condition, including consultations, diagnostics, specialists scans and investigations (CT, MRI, PET, DAT and MIBG) and physiotherapy for 5 years following the initial diagnosis |
Surgical Procedures | |
Essential cover - Covered* | |
Heart & Cancer - Comprehensive
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Heart & Cancer option - Covered* |
Heart & Cancer - Limited £50K/£50K
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Heart & Cancer option - Covered limited to £50,000* |
Key Facts - Additional Benefits | |
NHS cash benefit | |
Essential cover - Yes
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Essential cover - £150 each day/night after admission to a UK NHS acute general hospital, up to 28 days per person per policy year for eligible claims |
Heart & Cancer - Comprehensive
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Heart & Cancer option - £150 each day/night after admission to a UK NHS acute general hospital, up to 28 days per person per policy year for eligible claims |
Heart & Cancer - Limited £50K/£50K
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Heart & Cancer option - up to 14 days per person per policy year for eligible claims admission and £2,800 each admission (this benefit will be deducted from the £50,000 overall benefit limit), Immediately following surgery or a non-surgical admission on discharge from hospital under the specific direction of a Consultant/Specialist, either as an NHS or private patient |
Nursing at home | |
Essential cover - Yes
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Essential cover - up to 14 days each admission, immediately following surgery after hospital admission either as a NHS or private patient under the specific direction of a Consultant / Specialist and £2,800 per admission |
Heart & Cancer - Comprehensive
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Heart & Cancer option -, up to 14 days per person per policy year for eligible claims admission and £2,800 each admission, Immediately following surgery or a non-surgical admission on discharge from hospital under the specific direction of a Consultant / Specialist, either as an NHS or private patient |
Heart & Cancer - Limited £50K/£50K
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Heart & Cancer option - up to 14 days each admission for both Heart and Cancer benefit immediately following surgery or a non-surgical admission from hospital under the specific direction of a Consultant / Specialist either as an NHS or private patient (this benefit will be deducted from the £50,000 overall benefit limit) |
Parental accommodation | |
Essential cover - Covered* For one or both insured parents staying with an insured child up to the age of 16 |
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Private ambulance | |
Essential cover - up to £250 per person per policy year, where required out of medical necessity after hospitalisation. | |
Additional Benefits | |
Alcohol & drug abuse | |
Not covered | |
Annual maximum limit | |
No annual maximum | |
Children covered | |
The first child under the age of 18 years is charged premium, the rest are covered for free and can remain on the member's policy until the renewal immediately following their 25th Birthday. | |
Chiropractors & Osteopaths | |
Therapy & Care - Yes
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Therapy & Care option - On either referral from your General Practitioner or under supervision from a Specialist/Consultant. We will initially pre-authorise 2 sessions in the first instance, if more treatment is required we will expect the Therapist to supply a treatment plan on request so we can confirm what further cover is available. |
Therapy & Care - No
|
Essential cover - Not covered |
Dental treatment | |
Cash Benefits - Level 1
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Cash Benefit Option Upto £50 Cover Dental treatment Check-ups, orthodontic, periodontal and hygienist treatment. |
Cash Benefits - Level 2
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Cash Benefit Option Upto £100 Cover Dental treatment Check-ups, orthodontic, periodontal and hygienist treatment. |
Cash Benefits - Level 3
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Cash Benefit Option Upto £150 Cover Dental treatment Check-ups, orthodontic, periodontal and hygienist treatment. |
Cash Benefits - Level 4
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Cash Benefit Option Upto £200 Cover Dental treatment Check-ups, orthodontic, periodontal and hygienist treatment. |
Essential cover - Yes
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Essential cover - Pre-authorised treatment by a Dental or Oral Facial Maxillary Surgeon in a Surgical Dental Centre or a hospital listed in our Directory of Hospitals where sedation or general anaesthetic is required |
Hospice donation | |
Heart & Cancer - No
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Essential cover - Not covered |
Heart & Cancer - Comprehensive Heart & Cancer - Limited £50K/£50K
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Heart & Cancer option - up to £400 per person per policy year on referral from your Consultant / Specialist |
Infertility investigations | |
Not covered | |
Maternity cash benefit | |
Not covered | |
Optional cash benefit | |
Not covered | |
Out of pocket expenses | |
Not covered | |
Overseas cover | |
Not covered | |
Personal & total disability benefit | |
Not covered | |
Post hospital recovery bonus | |
Not covered | |
Pregnancy | |
Not covered | |
Transplants | |
Not covered | |
Other benefits | |
GP Helpline 24 hour availability 365 days a year Health advice line with Doctor call back service. |
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Please note that Essential Cover is a compulsory level of cover and all other plan options are available in addition to and not limited to Essential Cover. | |
* Please note: by "Covered" it is meant that all costs must be necessary & reasonably incurred and benefit be paid within the customary fees and charges for treatment received. 1. Please note : Heart and Cancer related symptoms are only covered by Expert Diagnostics option until a diagnosis is made. If you have Heart and Cancer related symptoms investigated after diagnosis, no further cover will be given under Expert Diagnostics. |
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2. As per CS Healthcare's Fee Schedule (All Surgeon/Anaesthetist & Consultant/Specialist fees will be paid in full according to the rates of the CS Healthcare Fee Schedule. Please refer to page 18 of the Policy Document or the medical fees section of the website, www.cshealthcare.co.uk for more information. |
Insurer & Benefits: | Insurers, Featured Insurers |
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Find a broker: | Find a Broker |