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AXA health - Assure Choice

Assure Choice is a budget NCD individual medical insurance plan.

NCD - members are entitled to a no claims discount provided they don't make a claim. There are eight levels from 0% to 50%. When a member joins we tell them the initial discount level which they are entitled to. If a claim is made, they have the option of paying for the treatment, and keeping their no claims discount. If a person covered by the policy chooses to make a claim, the level of discount for that person drops. But it will go up again if that person doesn't make a claim for the following policy year. In any year when a person covered by the policy makes one or more claims, the no claims discount for that person drops by three levels.

Benefits

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	No annual maximum
Surgeon / Consultant / Specialist & Anaesthetists fees
	No annual maximum
Physicians fees & diagnostic tests
	No annual maximum
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	No annual maximum
Psychiatric treatment
	Cover level 1 = No annual maximum (in-patient and day-patient) Cover level 2 = Not available
Six week option
	Not available
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
	No annual maximum
Scans - MRI / CT / PET
	Paid in full within cover level
Surgical Procedures
	No annual maximum
Key Facts - Additional Benefits
NHS cash benefit
	Day-patient and out-patient radiotherapy and chemotherapy £50 per day plus £50 per night in-patient stay (up to £2,000 per year)
Nursing at home
	Paid in full (for the administration of intravenous chemotherapy for the treatment of cancer or intravenous antibiotics which otherwise would require you to be admitted for in-patient treatment or day-patient treatment)
Parental accommodation
	Paid in full (child up to age 14 who is covered by the policy and receiving eligible treatment. Benefit is paid from the child’s benefits)
Private ambulance
	Paid in full
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	No age limit - must be unmarried
Chiropractors & Osteopaths
	Not covered
Dental treatment
	Specified oral surgical procedures only
Hospice donation
	£100 a night to a hospice charity when terminal patients are receiving hospice care. No maximum.
Infertility investigations
	Not covered
Maternity cash benefit
	Not covered
Optional cash benefit
	Not covered
Out of pocket expenses
	Not covered
Overseas cover
	Overseas evacuation or repatriation costs paid in full. Overseas immediate emergency in-patient treatment cover up to £40,000 pa for Cover level 2 and £100,000 for Cover level 1 when related to an evacuation or repatriation arranged by AXA PPP healthcare.
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	Not covered
Pregnancy
	The following conditions would be considered for treatment: • ectopic pregnancy (where the foetus is growing outside the womb) • hydatidiform mole (abnormal cell growth in the womb) • retained placenta (afterbirth retained in the womb) • placenta praevia • eclampsia (a coma or seizure during pregnancy and following pre-eclampsia) • diabetes (If you have exclusions because of your past medical history which relate to diabetes, then you will not be covered for any treatment for diabetes during pregnancy) • post partum haemorrhage (heavy bleeding in the hours and days immediately after childbirth) • miscarriage requiring immediate surgical treatment • failure to progress in labour
Transplants
	Reasonable costs incurred for a live donor to donate an organ or tissue provided that: • the operations to both the donor and the recipient are carried out simultaneously; and either • both the donor and the recipient are immediate relatives (ie parent, child or sibling) and either the donor or the recipient is covered on this policy; or • both the donor and the recipient are members of AXA PPP healthcare at the time the operations are carried out and both have been members since before the recipient developed the medical condition requiring the transplant
Other benefits
	Heart and Cancer Commitment * £5,000 for external prostheses (such as limbs) and up to £150 for wigs. * Axa PPP will consider requests for experimental surgery which will be reviewed by our clinical team. * If experimental drug treatment is needed then we will cover it if it is part of an ethical trial and pre agreed by us. In addition injectable hormone treatment and bisphosphonate treatment used to manage cancer will be fully covered while active treatment is being received. * Access to a dedicated heart nurse * No time limits for ongoing check ups following heart surgery * Full refund on palliative care

Key Facts - In-patient & Day Case Charges

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

No annual maximum

Surgeon / Consultant / Specialist & Anaesthetists fees

No annual maximum

Physicians fees & diagnostic tests

No annual maximum

Cancer Treatment Costs - Chemotherapy / Radiotherapy

No annual maximum

Psychiatric treatment

Cover level 1 = No annual maximum (in-patient and day-patient)
Cover level 2 = Not available

Six week option

Not available

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

No annual maximum

Scans - MRI / CT / PET

Paid in full within cover level

Surgical Procedures

No annual maximum

Key Facts - Additional Benefits

NHS cash benefit

Day-patient and out-patient radiotherapy and chemotherapy £50 per day plus £50 per night in-patient stay (up to £2,000 per year)

Nursing at home

Paid in full (for the administration of intravenous chemotherapy for the treatment of cancer or intravenous antibiotics which otherwise would require you to be admitted for in-patient treatment or day-patient treatment)

Parental accommodation

Paid in full (child up to age 14 who is covered by the policy and receiving eligible treatment. Benefit is paid from the child’s benefits)

Private ambulance

Paid in full

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

No age limit - must be unmarried

Chiropractors & Osteopaths

Not covered

Dental treatment

Specified oral surgical procedures only

Hospice donation

£100 a night to a hospice charity when terminal patients are receiving hospice care. No maximum.

Infertility investigations

Not covered

Maternity cash benefit

Not covered

Optional cash benefit

Not covered

Out of pocket expenses

Not covered

Overseas cover

Overseas evacuation or repatriation costs paid in full. Overseas immediate emergency in-patient treatment cover up to £40,000 pa for Cover level 2 and £100,000 for Cover level 1 when related to an evacuation or repatriation arranged by AXA PPP healthcare.

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Not covered

Pregnancy

The following conditions would be considered for treatment:
• ectopic pregnancy (where the foetus is growing outside the womb)
• hydatidiform mole (abnormal cell growth in the womb)
• retained placenta (afterbirth retained in the womb)
• placenta praevia
• eclampsia (a coma or seizure during pregnancy and following pre-eclampsia)
• diabetes (If you have exclusions because of your past medical history which relate to diabetes, then you will not be covered for any treatment for diabetes during pregnancy)
• post partum haemorrhage (heavy bleeding in the hours and days immediately after childbirth)
• miscarriage requiring immediate surgical treatment
• failure to progress in labour

Transplants

Reasonable costs incurred for a live donor to donate an organ or tissue provided that:
• the operations to both the donor and the recipient are carried out simultaneously; and either
• both the donor and the recipient are immediate relatives (ie parent, child or sibling) and either the donor or the recipient is covered on this policy; or
• both the donor and the recipient are members of AXA PPP healthcare at the time the operations are carried out and both have been members since before the recipient developed the medical condition requiring the transplant

Other benefits

Heart and Cancer Commitment
* £5,000 for external prostheses (such as limbs) and up to £150 for wigs.
* Axa PPP will consider requests for experimental surgery which will be reviewed by our clinical team.
* If experimental drug treatment is needed then we will cover it if it is part of an ethical trial and pre agreed by us. In addition injectable hormone treatment and bisphosphonate treatment used to manage cancer will be fully covered while active treatment is being received.
* Access to a dedicated heart nurse
* No time limits for ongoing check ups following heart surgery
* Full refund on palliative care


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