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Universal Provident - NHS Plus

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NHS Plus pays for in-patient prviate medical treatment charges if the treatment is not available free of charge under the NHS within 6 months of a specialist stating that treatment is necessary. If treatment is available under the NHS we will pay for an amenity room (or a cash benefit if an amenity room is not available) Cover applies only to in-patient treatment - all out-patient and day-patient treatment is excluded.

Benefits

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Full refund (if in-patient treatment is NOT available on the NHS within 6 months of a Specialist deciding that it is necessary)
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full refund (if in-patient treatment is NOT available on the NHS within 6 months of a Specialist deciding that it is necessary)
Physicians fees & diagnostic tests
	Full refund (if in-patient treatment is NOT available on the NHS within 6 months of a Specialist deciding that it is necessary)
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Full refund (if in-patient treatment is NOT available on the NHS within 6 months of a Specialist deciding that it is necessary)
Psychiatric treatment
	Not covered
Key Facts - Out-patient Charges
Complementary medicine
	Not covered
Diagnostic tests (excluding scans)
	Not covered
GP referred consultations
	Not covered
Physiotherapy consultant referred
	Not covered
Physiotherapy GP referred
	Not covered
Psychiatric cover
	Not covered
Radiotherapy / Chemotherapy
	Not covered
Scans - MRI / CT / PET
	Not covered
Surgical Procedures
	Not covered
Key Facts - Additional Benefits
NHS cash benefit
	If an amenity room is not available then £75 per night for each night spent in an NHS hospital to a maximum of 30 nights
Nursing at home
	Not covered
Parental accommodation
	Not covered
Private ambulance
	Not covered
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	Up to age 21 or 25 in FTE
Chiropractors & Osteopaths
	Not covered
Dental treatment
	£250 for emergency treatment as a result of accident (otherwise separate dental plan available)
Hospice donation
	Not covered
Infertility investigations
	Not covered
Maternity cash benefit
	£50 Mothercare voucher per birth
Optional cash benefit
	Not covered
Out of pocket expenses
	Not covered
Overseas cover
	No (separate travel option available)
Personal & total disability benefit
	Loss of two hands/feet or total loss of sight in both eyes £12,500 Loss of one hand/foot or total loss of sight in one eye £12,500 Total loss of hearing on both ears £12,500 Terminal illness benefit £10,000
Post hospital recovery bonus
	£250 Thomson holiday vouchers (payable following fracture or minimum hospital stay of two nights)
Pregnancy
	Not covered
Transplants
	Not covered

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings

Full refund (if in-patient treatment is NOT available on the NHS within 6 months of a Specialist deciding that it is necessary)

Surgeon / Consultant / Specialist & Anaesthetists fees

Full refund (if in-patient treatment is NOT available on the NHS within 6 months of a Specialist deciding that it is necessary)

Physicians fees & diagnostic tests

Full refund (if in-patient treatment is NOT available on the NHS within 6 months of a Specialist deciding that it is necessary)

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Full refund (if in-patient treatment is NOT available on the NHS within 6 months of a Specialist deciding that it is necessary)

Psychiatric treatment

Not covered

Key Facts - Out-patient Charges

Complementary medicine

Not covered

Diagnostic tests (excluding scans)

Not covered

GP referred consultations

Not covered

Physiotherapy consultant referred

Not covered

Physiotherapy GP referred

Not covered

Psychiatric cover

Not covered

Radiotherapy / Chemotherapy

Not covered

Scans - MRI / CT / PET

Not covered

Surgical Procedures

Not covered

Key Facts - Additional Benefits

NHS cash benefit

If an amenity room is not available then £75 per night for each night spent in an NHS hospital to a maximum of 30 nights

Nursing at home

Not covered

Parental accommodation

Not covered

Private ambulance

Not covered

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

Up to age 21 or 25 in FTE

Chiropractors & Osteopaths

Not covered

Dental treatment

£250 for emergency treatment as a result of accident (otherwise separate dental plan available)

Hospice donation

Not covered

Infertility investigations

Not covered

Maternity cash benefit

£50 Mothercare voucher per birth

Optional cash benefit

Not covered

Out of pocket expenses

Not covered

Overseas cover

No (separate travel option available)

Personal & total disability benefit

Loss of two hands/feet or total loss of sight in both eyes £12,500 Loss of one hand/foot or total loss of sight in one eye £12,500 Total loss of hearing on both ears £12,500 Terminal illness benefit £10,000

Post hospital recovery bonus

£250 Thomson holiday vouchers (payable following fracture or minimum hospital stay of two nights)

Pregnancy

Not covered

Transplants

Not covered


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