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AXA health - Independant Health Cover (Bronze 6)

Independent Health Cover Bronze 6 is a budget 6 week medical insurance plan for the self-employed

Six week rule- if the NHS can not provide treatment within six weeks after the date on which treatment should be undertaken then private treatment can be sort 

Benefits

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
No annual maximum (Six week rule applies)
Surgeon / Consultant / Specialist & Anaesthetists fees
No annual maximum (Six week rule applies)
Physicians fees & diagnostic tests
No annual maximum (Six week rule applies)
Cancer Treatment Costs - Chemotherapy / Radiotherapy
No annual maximum (Six week rule applies)
Psychiatric treatment
Cover level 1 = No Annual Maximum (in-patient and day-patient)
Cover level 2 = Not available
(six week rule applies)
Six week option
Six week rule - if the NHS can not provide treatment within six weeks after the date on which treatment should be undertaken then private treatment can be sort.
Immediate cover - AXA will pay for the following surgical procedures on an in-patient basis regardless of the fact that treatment could be obtained on the NHS within six weeks of the specialist confirming that this is needed:
* varicose veins surgery
* tonsillectomy
* insertion of grommets
* removal of bunions (hallux valgus)
* removal of gall bladder - (laparoscopic chlolecystectomy)
* haemorrhoidectomy
* adenoidectomy
* correction of squint
* cataract surgery

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 (Six week rule applies)
Scans - MRI / CT / PET
Paid in full within cover level
Surgical Procedures
No annual maximum (Six week rule applies)

Key Facts - Additional Benefits

NHS cash benefit
Either £500 for a stay of 5 to 9 nights or £1,000 for a stay of 10 nights or more - applies to private stays also
Day-patient and out-patient radiotherapy and chemotherapy £50 per day (up to £5,000 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
Paid in full (overseas evacuation or repatriation service) Overseas immediate emergency in-patient treatment cover up to £40,000 pa for Cover level 2 and £100,000 for Cover level 1
Personal & total disability benefit
Not covered
Post hospital recovery bonus
Not covered
Pregnancy
Limited conditions
Transplants
Not covered
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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