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CS Healthcare - Your Choice

We recognise that everyone has different needs and that circumstances can change over time. That’s why with your choice health insurance we offer a menu of cover options so that you can create your own package of health protection. You build your health care plan depending on how much cover you feel you require and how much you want to spend.

Starting with the compulsory Essential cover for in-patient/day-patient treatment (including diagnostic scans and necessary aftercare) you can select further options to extend your personal medical plan to include diagnostic consultations, a range of therapy and recovery care, heart and cancer treatment and also cash benefits for dental, optical and health screening.

You have the choice of reviewing your cover at each renewal to make adjustments to your cover options, within policy terms and conditions.

Benefits

Essential cover All Yes No
Expert Diagnostics All Comprehensive 500 1000 No
Therapy & Care All Yes No
Heart & Cancer All Comprehensive Limited £50K/£50K No
Cash Benefits All Level 1 Level 2 Level 3 Level 4 No

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
Essential cover - Yes
Essential cover - Covered*
(Compulsory level of cover - No annual maximum)
Heart & Cancer - Comprehensive
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
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
Essential cover - Covered* 2
(Compulsory level of cover - No annual maximum)
Heart & Cancer - Comprehensive
Heart & Cancer option - Covered* 2
Heart & Cancer - Limited £50K/£50K
Heart & Cancer option - Covered limited to £50,000 * 2
Physicians fees & diagnostic tests
Essential cover - Yes
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
Heart & Cancer option - Covered* 2
for both open and closed heart procedures and cancer related surgery.
Heart & Cancer - Limited £50K/£50K
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
Essential cover - Not covered
Heart & Cancer - Comprehensive
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
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
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
Essential cover - Not covered
Diagnostic tests (excluding scans)
Expert Diagnostics - No
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
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
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
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
Essential cover - Not covered
Expert Diagnostics - Comprehensive
Expert Diagnostics option - Covered*
on referral from your GP, Optician or Dentist or another Consultant / Specialist
Expert Diagnostics - 1000
Expert Diagnostics option - Covered limited to £1,000 *
on referral from your GP, Optician or Dentist or another Consultant / Specialis
Expert Diagnostics - 500
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
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 - 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
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
Psychiatric cover
Expert Diagnostics - No
Essential cover - Not covered
Expert Diagnostics - Comprehensive
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
Expert Diagnostics option - Not covered
Radiotherapy / Chemotherapy
Heart & Cancer - No
Essential cover - Not covered
Heart & Cancer - Comprehensive
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
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
Essential cover - Covered*
Heart & Cancer - Comprehensive
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
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
Heart & Cancer option - Covered*
Heart & Cancer - Limited £50K/£50K
Heart & Cancer option - Covered limited to £50,000*

Key Facts - Additional Benefits

NHS cash benefit
Essential cover - Yes
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
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
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
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
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
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
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
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
Cash Benefit Option Upto £50 Cover
Dental treatment Check-ups, orthodontic, periodontal and hygienist treatment.
Cash Benefits - Level 2
Cash Benefit Option Upto £100 Cover
Dental treatment Check-ups, orthodontic, periodontal and hygienist treatment.
Cash Benefits - Level 3
Cash Benefit Option Upto £150 Cover
Dental treatment Check-ups, orthodontic, periodontal and hygienist treatment.
Cash Benefits - Level 4
Cash Benefit Option Upto £200 Cover
Dental treatment Check-ups, orthodontic, periodontal and hygienist treatment.
Essential cover - Yes
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
Essential cover - Not covered
Heart & Cancer - Comprehensive
Heart & Cancer - Limited £50K/£50K
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.
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.
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.
 
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