Home > General and Medical - Equs Elite

General and Medical - Equs Elite

The Equs range has been designed to give focused cover at low cost. It could also be considered as our entry level range of Private Medical Insurance covers, and although the cover is limited in some areas than other types of cover we provide, it is proving to be increasingly popular with individual clients who may otherwise not have considered Private Medical Insurance giving them access to Private Medical Services at an affordable cost.

What is the Equs range?

For many people the thought of “going private” can seem like a luxury, however it is affordable and it is something many wish they had when they really need it.

Equs is our lowest priced Private Medical Insurance range because it can help you achieve a faster diagnosis of a “life changing” condition without covering the costs of treatment. Equs is also a cost effective option for the many common ailments providing cover for around 1800 procedures such as hip replacements making it an ideal option for many people. Within the Equs range you could choose from:

Equs

* Convenient access to surgery in a private hospital for acute conditions
* In-Patient diagnostic tests
* Out-Patient initial consultation up to £500 in a private hospital to help determine problems quickly
* Cover for Physiotherapy *

Equs Plus

* All the benefits of Equs
* In-Patient surgery
* Out-Patient initial consultation *
* Out-Patient psychiatry *
* Any further consultations *
* Cover for Physiotherapy *
* Treatment for Cardiovascular conditions *
* Cancer Treatment *
* Temporary disablement cash benefit *
* Complications of Pregnancy (Defined Conditions Only)
* Critical illness cash benefit *

Equs Elite

* All the benefits of Equs Plus
* In-Patient surgery
* Out-Patient initial consultation *
* Out-Patient psychiatry *
* Any further consultations *
* Cover for Physiotherapy *
* Treatment for Cardiovascular conditions *
* Cancer Treatment *
* Temporary disablement cash benefit *
* Complications of Pregnancy (Defined Conditions Only)
* Critical illness cash benefit *
* Routine Dental Consultations and Treatment (6 month waiting period applies) *
* Consultations and Eye Tests (6 month waiting period applies) *
* Private GP services *
* Employee Assistance Program

Some benefits have monetary limits please click here to see the benefit table for more information.

Benefits

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Full refund (in accordance with General and Medical fee guidelines)
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full refund (in accordance with General and Medical fee guidelines)
Physicians fees & diagnostic tests
	Full refund (in accordance with General and Medical fee guidelines)
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Included within £7,500 limit per membership year (rolling up to £75,000 after 10 years continuous membership with no claims)
Psychiatric treatment
	Optional In-Patient Psychiatry 1 to 5 on cover 50% Co-Share or Optional In-Patient Psychiatry for groups of 6 Adults or more on cover
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
	Therapies - Total amount for Therapies £750 per membership year, of which only £250 can be spent on complementary therapies. This benefit forms part of overall Out-patient benefit of £1,500
Diagnostic tests (excluding scans)
	This benefit forms part of overall out-patient benefit of £1,500
GP referred consultations
	This benefit forms part of overall out-patient benefit of £1,500
Physiotherapy consultant referred
	Therapies - Total amount for Therapies £750 per membership year, of which only £250 can be spent on complementary therapies. This benefit forms part of overall Out-patient benefit of £1,500
Physiotherapy GP referred
	Therapies - Total amount for Therapies £750 per membership year, of which only £250 can be spent on complementary therapies. This benefit forms part of overall Out-patient benefit of £1,500
Psychiatric cover
	£1,000 in any membership year (in accordance with General and Medical fee guidelines)
Radiotherapy / Chemotherapy
	Included within £7,500 limit per membership year (rolling up to £75,000 after 10 years continuous membership with no claims)
Scans - MRI / CT / PET
	This benefit forms part of overall out-patient benefit of £1,500
Surgical Procedures
	This benefit forms part of overall out-patient benefit of £1,500
Key Facts - Additional Benefits
NHS cash benefit
	£250 per night per person (£7,500 maximum pa)
Nursing at home
	£500 per year
Parental accommodation
	£500 per year
Primary care
	Up to £100 per membership year
Private ambulance
	£500 per year
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	£1,000,000 pa
Children covered
	From 30 days after birth up to the age of 21 (or 25 if still in full time education)
Chiropractors & Osteopaths
	Therapies - Total amount for Therapies £750 per membership year, of which only £250 can be spent on complementary therapies. This benefit forms part of overall Out-patient benefit of £1,500
Dental treatment
	Oral surgery covered Routine consultations up to £100 per membership year
GP minor surgery
	Private GP services up to £100 per membership year
GP Referred Chiropody, Podiatry or Homeopathy
	Therapies - Total amount for Therapies £750 per membership year, of which only £250 can be spent on complementary therapies. This benefit forms part of overall Out-patient benefit of £1,500
Hospice care cash benefit
	Not covered
Infertility investigations
	Not covered
Maternity cash benefit
	£100 per child
Optional cash benefit
	£100 per night Cash Benefit up to a maximum of £1000 per membership year if member has chosen the Freedom Hospital option when purchasing cover but elected to use a First Choice Hospital upon requiring eligible in-patient treatment. £100 is also available as a single payment for a Freedom member who elects to use a First Choice Hospital for eligible day-patient treatment.
Out of pocket expenses
	Not covered
Overseas cover
	Not covered
Personal & total disability benefit
	£100 per month for 6 months
Post hospital recovery bonus
	Not covered
Pregnancy
	Complications of pregnancy (defined conditions only contact General & Medical for details)
Stress counselling helpline
	24 hour advice line
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 (in accordance with General and Medical fee guidelines)

Surgeon / Consultant / Specialist & Anaesthetists fees

Full refund (in accordance with General and Medical fee guidelines)

Physicians fees & diagnostic tests

Full refund (in accordance with General and Medical fee guidelines)

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Included within £7,500 limit per membership year (rolling up to £75,000 after 10 years continuous membership with no claims)

Psychiatric treatment

Optional In-Patient Psychiatry 1 to 5 on cover 50% Co-Share or Optional In-Patient Psychiatry for groups of 6 Adults or more on cover

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

Therapies - Total amount for Therapies £750 per membership year, of which only £250 can be spent on complementary therapies. This benefit forms part of overall Out-patient benefit of £1,500

Diagnostic tests (excluding scans)

This benefit forms part of overall out-patient benefit of £1,500

GP referred consultations

This benefit forms part of overall out-patient benefit of £1,500

Physiotherapy consultant referred

Physiotherapy GP referred

Psychiatric cover

£1,000 in any membership year (in accordance with General and Medical fee guidelines)

Radiotherapy / Chemotherapy

Included within £7,500 limit per membership year (rolling up to £75,000 after 10 years continuous membership with no claims)

Scans - MRI / CT / PET

This benefit forms part of overall out-patient benefit of £1,500

Surgical Procedures

This benefit forms part of overall out-patient benefit of £1,500

Key Facts - Additional Benefits

NHS cash benefit

£250 per night per person (£7,500 maximum pa)

Nursing at home

£500 per year

Parental accommodation

£500 per year

Primary care

Up to £100 per membership year

Private ambulance

£500 per year

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

£1,000,000 pa

Children covered

From 30 days after birth up to the age of 21 (or 25 if still in full time education)

Chiropractors & Osteopaths

Dental treatment

Oral surgery covered
Routine consultations up to £100 per membership year

GP minor surgery

Private GP services up to £100 per membership year

GP Referred Chiropody, Podiatry or Homeopathy

Hospice care cash benefit

Not covered

Infertility investigations

Not covered

Maternity cash benefit

£100 per child

Optional cash benefit

£100 per night Cash Benefit up to a maximum of £1000 per membership year if member has chosen the Freedom Hospital option when purchasing cover but elected to use a First Choice Hospital upon requiring eligible in-patient treatment. £100 is also available as a single payment for a Freedom member who elects to use a First Choice Hospital for eligible day-patient treatment.

Out of pocket expenses

Not covered

Overseas cover

Not covered

Personal & total disability benefit

£100 per month for 6 months

Post hospital recovery bonus

Not covered

Pregnancy

Complications of pregnancy (defined conditions only contact General & Medical for details)

Stress counselling helpline

24 hour advice line

Transplants

Not covered


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