Home > AXA health - Business Choice Standard - Silver

AXA health - Business Choice Standard - Silver

Closed to new business wef 1st Oct 2010

The Business Choice policy offers you cover as a UK resident for private medical treatment in the UK, of new medical conditions that arise after you join.

This includes in-patient and day-patient treatment, associated specialists’ charges, out-patient surgical procedures, radiotherapy, chemotherapy and treatment of psychiatric illness if you have cover level one. In addition, it provides you with cover for computerized tomography (CT), magnetic resonance imaging (MRI) and positron emission tomography (PET) scans as well as cash benefits of either £500 for in-patient treatment for between five and nine consecutive nights or £1,000 for ten or more nights.

Gold policy provides you with full cover for diagnostic tests, out-patient consultations, and complementary practitioner and clinical practitioner charges (including physiotherapy).

Silver provides you with up to £1,000 of benefits for these.

Additionally your company may have purchased travel cover in which case this will be reflect on your membership statement.

Benefits

Cover Level	All Level 1 Level 2
Travel Cover	All No Yes

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 - Level 1	Cover level 1 = No annual maximum (in-patient and day-patient)
Cover Level - Level 2	Cover level 2 = Not available
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
Cover Level - Level 1	Cover level 1 Included in overall out-patient limit up to £1,000 pa. Within this limit AXA PPP healthcare will pay for up to 20 sessions pa for GP referred Physiotherapy and/or complementary treatment
Cover Level - Level 2	Cover level 2 Included in overall out-patient limit up to £1,000 pa. Within this limit AXA PPP healthcare will pay for up to 10 sessions pa for GP referred Physiotherapy and/or complementary treatment
Diagnostic tests (excluding scans)
	Included in overall out-patient limit of up to £1,000 pa.
GP referred consultations
	Included in overall out-patient limit of up to £1,000 pa.
Physiotherapy consultant referred
Cover Level - Level 1	Cover level 1 Included in overall out-patient limit up to £1,000 pa. Within this limit AXA PPP healthcare will pay for up to 20 sessions pa for GP referred Physiotherapy and/or complementary treatment
Cover Level - Level 2	Cover level 2 Included in overall out-patient limit up to £1,000 pa. Within this limit AXA PPP healthcare will pay for up to 10 sessions pa for GP referred Physiotherapy and/or complementary treatment
Physiotherapy GP referred
Cover Level - Level 1	Cover level 1 Included in overall out-patient limit up to £1,000 pa. Within this limit AXA PPP healthcare will pay for up to 20 sessions pa for GP referred Physiotherapy and/or complementary treatment
Cover Level - Level 2	Cover level 2 Included in overall out-patient limit up to £1,000 pa. Within this limit AXA PPP healthcare will pay for up to 10 sessions pa for GP referred Physiotherapy and/or complementary treatment
Psychiatric cover
Cover Level - Level 1	Cover Level 1 = only included in overall out-patient limit of up to £1,000 pa
Cover Level - Level 2	Cover level 2 = Not available
Radiotherapy / Chemotherapy
	No annual maximum
Scans - MRI / CT / PET
	Paid in full at scanning centre listed in the directory of hospitals or £50
Surgical Procedures
	No annual maximum
Key Facts - Additional Benefits
NHS cash benefit
	Either £500 lump sum following a 5 to 9 night stay or £1,000 lump sum following a 10 night stay or more
	Day-patient and out-patient radiotherapy and chemotherapy £50 per day (up to £5,000 per year)
Nursing at home
	Paid in full (for administration of intravenous chemotherapy or intravenous antibiotics which would otherwise require the member to be admitted for in-patient or day-case treatment)
Parental accommodation
	Paid in full (child under 16)
Primary care
	Not covered
Private ambulance
	Paid in full
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	Unmarried children can stay on the policy up to the renewal date following their 25th birthday (irrespective of full-time education)
Chiropractors & Osteopaths
Cover Level - Level 1	Cover level 1 Included in overall out-patient limit up to £1,000 pa. Within this limit AXA PPP healthcare will pay for up to 20 sessions pa for GP referred Physiotherapy and/or complementary treatment
Cover Level - Level 2	Cover level 2 Included in overall out-patient limit up to £1,000 pa. Within this limit AXA PPP healthcare will pay for up to 10 sessions pa for GP referred Physiotherapy and/or complementary treatment
Dental treatment
	Specified oral surgical procedures only
GP minor surgery
	Not covered
GP Referred Chiropody, Podiatry or Homeopathy
Cover Level - Level 1	Cover level 1 Included in overall out-patient limit for Homeopathy up to £1,000 pa. Within this limit AXA PPP healthcare will pay for up to 20 sessions pa for GP referred Physiotherapy and/or complementary treatment Chiropody and Podiatry no cover
Cover Level - Level 2	Cover level 2 Included in overall out-patient limit for Homeopathy up to £1,000 pa. Within this limit AXA PPP healthcare will pay for up to 10 sessions pa for GP referred Physiotherapy and/or complementary treatment Chiropody and Podiatry no cover
Hospice care cash benefit
	£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
Travel Cover - No	Not covered
Travel Cover - Yes	Travel Insurance included
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	Not covered
Pregnancy
	Limited conditions
Stress counselling helpline
	Telephone counselling, unlimited calls
Transplants
	We will consider reasonable costs incurred for a live donor to donate an organ or tissue provided that: * the operations to the donor and the recipient are carried out at the same time; and either * the donor and the recipient are immediate relatives (parent, child or sibling) and either the donor or the recipient is covered on this policy; or * the donor and the recipient are both members 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 - Level 1

Cover level 1 = No annual maximum (in-patient and day-patient)

Cover Level - Level 2

Cover level 2 = Not available

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

Cover Level - Level 1

Cover level 1
Included in overall out-patient limit up to £1,000 pa. Within this limit AXA PPP healthcare will pay for up to 20 sessions pa for GP referred Physiotherapy and/or complementary treatment

Cover Level - Level 2

Cover level 2
Included in overall out-patient limit up to £1,000 pa. Within this limit AXA PPP healthcare will pay for up to 10 sessions pa for GP referred Physiotherapy and/or complementary treatment

Diagnostic tests (excluding scans)

Included in overall out-patient limit of up to £1,000 pa.

GP referred consultations

Included in overall out-patient limit of up to £1,000 pa.

Physiotherapy consultant referred

Cover Level - Level 1

Cover Level - Level 2

Physiotherapy GP referred

Cover Level - Level 1

Cover Level - Level 2

Psychiatric cover

Cover Level - Level 1

Cover Level 1 = only included in overall out-patient limit of up to £1,000 pa

Cover Level - Level 2

Cover level 2 = Not available

Radiotherapy / Chemotherapy

No annual maximum

Scans - MRI / CT / PET

Paid in full at scanning centre listed in the directory of hospitals or £50

Surgical Procedures

No annual maximum

Key Facts - Additional Benefits

NHS cash benefit

Either £500 lump sum following a 5 to 9 night stay or £1,000 lump sum following a 10 night stay or more

Day-patient and out-patient radiotherapy and chemotherapy £50 per day (up to £5,000 per year)

Nursing at home

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

Parental accommodation

Paid in full (child under 16)

Primary care

Not covered

Private ambulance

Paid in full

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

Unmarried children can stay on the policy up to the renewal date following their 25th birthday (irrespective of full-time education)

Chiropractors & Osteopaths

Cover Level - Level 1

Cover Level - Level 2

Dental treatment

Specified oral surgical procedures only

GP minor surgery

Not covered

GP Referred Chiropody, Podiatry or Homeopathy

Cover Level - Level 1

Cover level 1
Included in overall out-patient limit for Homeopathy up to £1,000 pa. Within this limit AXA PPP healthcare will pay for up to 20 sessions pa for GP referred Physiotherapy and/or complementary treatment
Chiropody and Podiatry no cover

Cover Level - Level 2

Cover level 2
Included in overall out-patient limit for Homeopathy up to £1,000 pa. Within this limit AXA PPP healthcare will pay for up to 10 sessions pa for GP referred Physiotherapy and/or complementary treatment
Chiropody and Podiatry no cover

Hospice care cash benefit

£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

Travel Cover - No

Not covered

Travel Cover - Yes

Travel Insurance included

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Not covered

Pregnancy

Limited conditions

Stress counselling helpline

Telephone counselling, unlimited calls

Transplants

We will consider reasonable costs incurred for a live donor to donate an organ or tissue provided that:
* the operations to the donor and the recipient are carried out at the same time; and either
* the donor and the recipient are immediate relatives (parent, child or sibling) and either the donor or the recipient is covered on this policy; or
* the donor and the recipient are both members 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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