Home > VitalityHealth - Business healthcare "Old"

VitalityHealth - Business healthcare "Old"

Closed to new business wef 28th February 2011

Our approach to business healthcare lets you build bespoke plans for every type of small and medium sized company, and every budget. Your clients can now create a health insurance plan with health and well-being support included. They can enhance their healthcare by choosing the Dental Cover, Travel Cover or Health Cash Options. These can also be bought as stand-alone modules. And there are other great benefits to choose from too, like our Employee Assistance Programme.

There are lots of options that help to reduce costs, and your clients can easily adjust their plan as their needs change or their business develops. What’s more, for companies switching to us, our plan’s flexibility means it’s easy to match existing policy terms.

This exciting product is supported by the first-class customer service that advisers and their clients have come to expect from us.

For more information speak to your account manager or call our sales support team on 0845 602 3461 for general enquiries or 0800 328 3962 for quotations.

Benefits

Core Healthcare
Core H/care	All Yes No
Policy options
NHS wait option	All Yes No
Additional modules (only available with Core Healthcare)
Add mod - O/P Treatment	All Level 1 Level 2 Level 3 No
Add mod - Core Enhance	All Yes No
Add mod - Psychiatric	All Yes No
Add mod - Add Therapies	All Level 1 Level 2 No
Add mod - Private GP	All Yes No
Add mod - Maternity	All Yes No
Health Screening	All Yes No
Other cover available (available with Core Healthcare or as stand-alone modules)
Dental Cover	All Level 1 Level 2 Level 3 No
Health Cash Options	All Level 1 Level 2 Level 3 No
Travel Cover	All Level 1 Level 2 No
Preventative benefits (must have either Core Healthcare, Health Cash, Dental or Travel)
Prevent bens - EAP	All Yes No
Prevent bens - GP Consultation	All Yes No
Prevent bens - Nurse Helpline	All Yes No
Prevent bens - Occ Health	All Level 1 Level 2 No

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
Core H/care - No	Cover not selected
Core H/care - Yes	Core Healthcare: Full cover
Surgeon / Consultant / Specialist & Anaesthetists fees
Core H/care - No	Cover not selected
Core H/care - Yes	Core Healthcare: Full cover
Physicians fees & diagnostic tests
Core H/care - No	Cover not selected
Core H/care - Yes	Core Healthcare: Full cover
Cancer Treatment Costs - Chemotherapy / Radiotherapy
Core H/care - No	Cover not selected
Core H/care - Yes	Core Healthcare: Full cover
Psychiatric treatment
Add mod - Psychiatric - No	Cover not selected
Add mod - Psychiatric - Yes	Psychiatric Treatment: Full cover for up to 28 days per plan year
Six week option
NHS wait option - No	Not available
NHS wait option - Yes	NHS wait option By choosing the NHS wait option, it means that if the NHS can treat you promptly, you will receive your treatment from them. But if you have to wait longer than six weeks for in-patient or day-patient treatment, we will pay for treatment at a private hospital on your list.
Key Facts - Out-patient Charges
Complementary medicine
Add mod - Add Therapies - No	Cover not selected
Add mod - Add Therapies - Level 1	Additional modules: Additional Therapies: Level 1 : Up to £350 per plan year, GP or Specialist referral - Chiropractic, Osteopathy, Chiropody/Podiatry, Acupuncture, Homeopathy and two consultations with a Dietician
Add mod - Add Therapies - Level 2	Additional modules: Additional Therapies: Level 2 : Full cover, GP or Specialist referral - Chiropractic, Osteopathy, Chiropody/Podiatry, Acupuncture, Homeopathy and two consultations with a Dietician
Diagnostic tests (excluding scans)
Add mod - O/P Treatment - No	Cover not selected
Add mod - O/P Treatment - Level 1	Additional modules: Out-patient Treatment : Level 1 - Up to £500 per plan year
Add mod - O/P Treatment - Level 2	Additional modules: Out-patient Treatment : Level 2 - Up to £1,000 per plan year
Add mod - O/P Treatment - Level 3	Additional modules: Out-patient Treatment : Level 3 - Full cover
GP referred consultations
Add mod - O/P Treatment - No	Cover not selected
Add mod - O/P Treatment - Level 1	Additional modules: Out-patient Treatment : Level 1 - Up to £500 per plan year
Add mod - O/P Treatment - Level 2	Additional modules: Out-patient Treatment : Level 2 - Up to £1,000 per plan year
Add mod - O/P Treatment - Level 3	Additional modules: Out-patient Treatment : Level 3 - Full cover
Physiotherapy consultant referred
Add mod - O/P Treatment - No	Cover not selected
Add mod - O/P Treatment - Level 1	Additional modules: Out-patient Treatment : Level 1 - Up to £500 per plan year
Add mod - O/P Treatment - Level 2	Additional modules: Out-patient Treatment : Level 2 - Up to £1,000 per plan year
Add mod - O/P Treatment - Level 3	Additional modules: Out-patient Treatment : Level 3 - Full cover
Physiotherapy GP referred
Add mod - O/P Treatment - No	Cover not selected
Add mod - O/P Treatment - Level 1	Additional modules: Out-patient Treatment : Level 1 - Up to £500 per plan year
Add mod - O/P Treatment - Level 2	Additional modules: Out-patient Treatment : Level 2 - Up to £1,000 per plan year
Add mod - O/P Treatment - Level 3	Additional modules: Out-patient Treatment : Level 3 - Full cover
Psychiatric cover
Add mod - Psychiatric - No	Cover not selected
Add mod - Psychiatric - Yes	Psychiatric Treatment: Up to £1,500 per plan year
Radiotherapy / Chemotherapy
Core H/care - No	Cover not selected
Core H/care - Yes	Core Healthcare: Full cover
Scans - MRI / CT / PET
Core H/care - No	Cover not selected
Core H/care - Yes	Core Healthcare: Full cover
Surgical Procedures
Core H/care - No	Cover not selected
Add mod - O/P Treatment - Level 1	Additional modules: Out-patient Treatment : Level 1 - Up to £500 per plan year
Add mod - O/P Treatment - Level 2	Additional modules: Out-patient Treatment : Level 2 - Up to £1,000 per plan year
Add mod - O/P Treatment - Level 3	Additional modules: Out-patient Treatment : Level 3 - Full cover
Key Facts - Additional Benefits
NHS cash benefit
Core H/care - No	Cover not selected
Core H/care - Yes	Core Healthcare: In-patient cash benefit = £250 per night (up to £2,000 per plan year) Day-patient cash benefit = £125 per day (up to £500 per plan year)
Nursing at home
Add mod - Core Enhance - No	Cover not selected
Add mod - Core Enhance - Yes	Additional modules Core Enhancement: Home nursing: full cover for up to 13 weeks per plan year. Help at home: up to 3 hours per day for max 7 days per plan year
Parental accommodation
Add mod - Core Enhance - No	Cover not selected
Add mod - Core Enhance - Yes	Additional modules: Core Enhancement: Full cover (for you to stay with your insured child under 14 while they receive in-patient treatment)
Primary care
Add mod - Private GP - No	Cover not selected
Add mod - Private GP - Yes	Additional modules: Private GP: Up to £300 per plan year towards consultations, prescriptions, minor surgery, and fees for completion of claim forms
Private ambulance
Core H/care - No	Cover not selected
Core H/care - Yes	Core Healthcare: Full cover (on specialist recommendation)
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	Up to 25 years of age (irrespective of marital or education status)
Chiropractors & Osteopaths
Add mod - Add Therapies - No	Cover not selected
Add mod - Add Therapies - Level 1	Additional modules: Additional Therapies: Level 1 : Up to £350 per plan year, GP or Specialist referral - Chiropractic, Osteopathy, Chiropody/Podiatry, Acupuncture, Homeopathy and two consultations with a Dietician
Add mod - Add Therapies - Level 2	Additional modules: Additional Therapies: Level 2 : Full cover, GP or Specialist referral - Chiropractic, Osteopathy, Chiropody/Podiatry, Acupuncture, Homeopathy and two consultations with a Dietician
Dental treatment
	Cover not selected
Add mod - Core Enhance - Yes	Additional modules: Core Enhancement: Full cover for specified oral surgical procedures
Dental Cover - Level 1	Dental Cover Level 1: • Crowns new or replacement : up to £300 per plan year • Bridges/implants new or replacement : up to £200 per plan year • Root canal treatment : up to £150 per plan year • Apicectomy : up to £100 per plan year • Extractions : up to £150 per plan year • Dentures new or replacement : up to £250 per plan year • Accidental dental : up to £2,500 per claim (max four claims per plan year) • Emergency call-out fees : up to £50 per claim (max two claims per plan year)
Dental Cover - Level 2	Dental Cover Level 2: • Maintenance routine examinations: up to £15 per claim (max two claims per plan year) • Maintenance routine scaling and polishing: up to £25 per claim (max two claims per plan year) • Maintenance dental x-ray up to £15 per claim (maximum two claims per plan year) • Treatment fillings: up to £20 per claim (maximum two claims per plan year) • Crowns new or replacement : up to £300 per plan year • Inlay/onlay/overlay new or replacement : up to £50 per plan year • Bridges/implants new or replacement : up to £200 per plan year • Root canal treatment : up to £150 per plan year • Apicectomy : up to £100 per plan year • Extractions : up to £150 per plan year • Dentures new or replacement : up to £250 per plan year • Accidental dental : up to £2,500 per claim (max four claims per plan year) • Emergency dental : up to £200 per claim (max two claims per plan year) • Emergency call-out fees : up to £50 per claim (max two claims per plan year)
Dental Cover - Level 3	Dental Cover Level 3: • Maintenance routine examinations: up to £30 per claim (max two claims per plan year) • Maintenance routine scaling and polishing: up to £40 per claim (max two claims per plan year) • Maintenance dental x-ray: up to £40 per claim (max two claims per plan year) • Treatment fillings: up to £40 per claim (max two claims per plan year) • Crowns new or replacement : up to £400 per plan year • Inlay/onlay/overlay new or replacement : up to £100 per plan year • Bridges/implants new or replacement : up to £300 per plan year • Root canal treatment : up to £250 per plan year • Apicectomy : up to £150 per plan year • Extractions : up to £250 per plan year • Dentures new or replacement : up to £350 per plan year • Accidental dental : up to £2,500 per claim (max four claims per plan year) • Emergency dental : up to £300 per claim (max two claims per plan year) • Emergency call-out fees : up to £50 per claim (max two claims per plan year)
GP minor surgery
Add mod - Private GP - No	Cover not selected
Add mod - Private GP - Yes	Additional modules: Private GP: Up to £300 per plan year towards consultations, prescriptions, minor surgery, and fees for completion of claim forms
GP Referred Chiropody, Podiatry or Homeopathy
Add mod - Add Therapies - No	Cover not selected
Add mod - Add Therapies - Level 1	Additional modules: Additional Therapies: Level 1 : Up to £350 per plan year, GP or Specialist referral - Chiropractic, Osteopathy, Chiropody/Podiatry, Acupuncture, Homeopathy and two consultations with a Dietician
Add mod - Add Therapies - Level 2	Additional modules: Additional Therapies: Level 2 : Full cover, GP or Specialist referral - Chiropractic, Osteopathy, Chiropody/Podiatry, Acupuncture, Homeopathy and two consultations with a Dietician
Hospice care cash benefit
	Not covered
Infertility investigations
Add mod - Core Enhance - No	Cover not selected
Add mod - Core Enhance - Yes	Additional modules: Core Enhancement: Full cover per plan year subject to a 2-year qualifying period
Maternity cash benefit
Health Cash Options - No	Cover not selected
Health Cash Options - Level 1 Health Cash Options - Level 2 Health Cash Options - Level 3	See Health Cash Options
Optional cash benefit
Health Cash Options - No	Cover not selected
Health Cash Options - Level 1 Health Cash Options - Level 2 Health Cash Options - Level 3	See Health Cash Options
Out of pocket expenses
	Not covered
Overseas cover
Travel Cover - No	Cover not selected
Travel Cover - Level 1	Travel Cover - Level 1 max 30 days per trip. Benefits are per person, per holiday/business trip unless otherwise stated. A £50 excess applies. Overseas medical expenses: full cover up to £5 million* • Healthcare cover if taken ill overseas including accommodation costs and travel expenses to remain behind with a sick member* • Repatriation expenses (if required to be flown home)* • Transfer of body or ashes back to the UK • Cost of burial or cremation outside the UK up to £1,000 Other travel benefits: • Loss or damage to personal baggage up to £1,000* • Loss of personal money up to £500* • Loss or damage to business machines up to £500* • Missed departure up to £250* • Cancelling or cutting short the trip up to £2,000* • Personal accident up to £25,000 • Personal liability up to £2 million • Loss of passport up to £250* • Delayed baggage up to £100* • Legal expenses up to £25,000 • Replacement employee travel costs up to £750*
Travel Cover - Level 2	Travel Cover - Level 2 max 120 days per trip. Benefits are per person, per holiday/business trip unless otherwise stated. A £50 excess applies. Overseas medical expenses: full cover up to £10 million* • Healthcare cover if taken ill overseas including accommodation costs and travel expenses to remain behind with a sick member* • Repatriation expenses (if required to be flown home)* • Transfer of body or ashes back to the UK • Cost of burial or cremation outside the UK up to £1,000 Other travel benefits: • Loss or damage to personal baggage up to £2,000* • Loss of personal money up to £1,000* • Loss or damage to business machines up to £1,000* • Delayed departure up to £100 • Missed departure up to £500* • Cancelling or cutting short the trip up to £4,000* • Personal accident up to £25,000 • Personal liability up to £2 million • Loss of passport up to £250* • Delayed baggage up to £200* • Legal expenses up to £25,000 • Replacement employee travel costs up to £1,000* Winter sports – 21 days per plan year (in addition to the cover above) • Loss or damage to ski or snowboarding equipment up to £500* • Loss of ski pass up to £500* • Piste closure £30 per day up to £500* • Loss of use of hired skis and ski pass due to illness or injury up to £500*
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	See Health Cash Options
Pregnancy
	Cover not selected
Add mod - Core Enhance - Yes	Core Enhancement: Full cover for specified pregnancy complications
Add mod - Maternity - Yes	Maternity cover: Up to £3,000 per pregnancy for private ante-natal and post-natal care. Member must have been covered for two years to claim this benefit
Stress counselling helpline
	Cover not selected
Prevent bens - GP Consultation - Yes	Preventative benefits: GP Consultation Line: Unlimited calls to one of our practicing GP's
Prevent bens - Nurse Helpline - Yes	Preventative benefits Nurse Helpline: Unlimited calls to experienced nurses
Prevent bens - EAP - Yes	Employee Assistance Programme Unlimited access to a 24 hour confidential telephone service. Access to face to face counselling sessions if appropriate
Transplants
	Full cover (medically necessary transplant, cover for insured recipient only)
Other benefits
Health Screening - Yes	Preventative benefits Health Screening: Vi5 health assessment with Nuffield Health or £300 if the assessment is not with Nuffield Health (one screen in every two years, 18 month qualifying period)
Prevent bens - Occ Health - Level 1	Preventative benefits: Occupational Health Level 1: Absence referrals, pre-employment questionnaires and telephone support (excludes the cost of related further medical evidence)
Prevent bens - Occ Health - Level 2	Preventative benefits: Occupational Health Level 2: Absence referrals, pre-employment questionnaires and telephone support (excludes the cost of related further medical evidence), including expenses related to any further medical evidence
Cash Plan...
Optical care
	Cover not selected
Health Cash Options - Level 1	Level 1 - Up to £100 per plan year (Max of 2 eyesight tests per plan year)
Health Cash Options - Level 2	Level 2 - Up to £125 per plan year (Max of 2 eyesight tests per plan year)
Health Cash Options - Level 3	Level 3 - Up to £150 per plan year (Max of 2 eyesight tests per plan year)
Dental care
	Cover not selected
Health Cash Options - Level 1	Level 1 - Up to £100 per plan year (Max of 2 check-ups per plan year)
Health Cash Options - Level 2	Level 2 - Up to £125 per plan year (Max of 2 check-ups per plan year)
Health Cash Options - Level 3	Level 3 - Up to £150 per plan year (Max of 2 check-ups per plan year)
Physiotherapy and alternative treatment
	Cover not selected
Health Cash Options - Level 1	Level 1 - Up to £350 per plan year * (Physiotherapy, Acupuncture, Chiropractic,Homeopathy, Osteopathy)
Health Cash Options - Level 2	Level 2 - Up to £350 per plan year *(Physiotherapy, Acupuncture, Chiropractic, Homeopathy, Osteopathy)
Health Cash Options - Level 3	Level 3 - Up to £450 per plan year* (Physiotherapy, Acupuncture, Chiropractic, Homeopathy, Osteopathy)
Chiropody
	Cover not selected
Health Cash Options - Level 1	Level 1 - No benefit payable
Health Cash Options - Level 2	Level 2 - Up to £100 per plan year*
Health Cash Options - Level 3	Level 3 - Up to £150 per plan year*
Specialist consultation & tests
	Cover not selected
Health Cash Options - Level 1	Level 1 - Up to £250 per plan year*
Health Cash Options - Level 2	Level 2 - Up to £250 per plan year*
Health Cash Options - Level 3	Level 3 - Up to £325 per plan year*
Allergy testing
	Cover not selected
Health Cash Options - Level 1	Level 1 - No benefit payable
Health Cash Options - Level 2	Level 2 - Up to £100 per plan year*
Health Cash Options - Level 3	Level 3 - Up to £150 per plan year*
Hospital in-patient
	Cover not selected
Health Cash Options - Level 1	Level 1 - No benefit payable
Health Cash Options - Level 2	Level 2 - £30 per night (max of 40 nights)
Health Cash Options - Level 3	Level 3 - £45 per night (max of 40 nights)
Day care admission
	Cover not selected
Health Cash Options - Level 1	Level 1 - No benefit payable
Health Cash Options - Level 2	Level 2 - £30 per visit (Max of 5 attendances)
Health Cash Options - Level 3	Level 3 - £45 per night (Max of 5 attendances)
Accident admission
	Cover not selected
Health Cash Options - Level 1	Level 1 - No benefit payable
Health Cash Options - Level 2	Level 2 - £30 per night (max of 40 nights)
Health Cash Options - Level 3	Level 3 - £45 per night (max of 40 nights)
Maternity / paternity
	Cover not selected
Health Cash Options - Level 1	Level 1 - £250 (For each birth/adoption)
Health Cash Options - Level 2	Level 2 - £275 (For each birth/adoption)
Health Cash Options - Level 3	Level 3 - £350 (For each birth/adoption)
Hospital parental accommodation
	Cover not selected
Health Cash Options - Level 1	Level 1 - No benefit payable
Health Cash Options - Level 2	Level 2 - £30 per night (Max of 15 nights)
Health Cash Options - Level 3	Level 3 - £45 per night (Max of 15 nights)
Recuperation grant
	Cover not selected
Health Cash Options - Level 1	Level 1 - No benefit payable
Health Cash Options - Level 2	Level 2 - £75 (After 7 consecutive nights in-patient stay)
Health Cash Options - Level 3	Level 3 - £100 (After 7 consecutive nights in-patient stay)
Health screening
	Cover not selected
Health Cash Options - Level 1	Level 1 - No benefit payable
Health Cash Options - Level 2	Level 2 - £75 (One-off payment)
Health Cash Options - Level 3	Level 3 - £100 (One-off payment)
Employee Assistance Programme
	Cover not selected
Health Cash Options - Level 1	Level 1 - Included
Health Cash Options - Level 2	Level 2 - Included
Health Cash Options - Level 3	Level 3 - Included
Personal accident
	Cover not selected
Health Cash Options - Level 1	Level 1 - No benefit payable
Health Cash Options - Level 2	Level 2 - Up to £12,000
Health Cash Options - Level 3	Level 3 - Up to £12,000
Worldwide cover for in-patient treatment
	Cover not selected
Health Cash Options - Level 1	Level 1 - No benefit payable
Health Cash Options - Level 2	Level 2 - No benefit payable
Health Cash Options - Level 3	Level 3 - £45 per night (Cover for trips of no more than 30 days duration. Max of 40 nights)
Other benefits
Health Cash Options - Level 1 Health Cash Options - Level 2 Health Cash Options - Level 3	All benefits are per person, per plan year, unless otherwise stated. There is a one month waiting period before a claim can be made, although this is increased to ten months for the maternity/paternity benefit. The waiting period does not apply to optical care, dental care, accident admission and personal accident benefits. Also, we will not pay benefit for treatment of a pre-existing medical condition for the first 12 months of cover, except for optical care, dental care and accident admission. The maximum benefit payable for worldwide cover for in-patient treatment, hospital in-patient and accident admission is 40 nights in total per plan year. Terms, conditions and exclusions apply and these are provided in full in the documents that the member receives when the plan is taken out. * We cover 75% of the fees incurred for these treatments.

Key Facts - In-patient & Day Case Charges

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

Core H/care - No

Cover not selected

Core H/care - Yes

Core Healthcare:
Full cover

Surgeon / Consultant / Specialist & Anaesthetists fees

Core H/care - No

Cover not selected

Core H/care - Yes

Core Healthcare:
Full cover

Physicians fees & diagnostic tests

Core H/care - No

Cover not selected

Core H/care - Yes

Core Healthcare:
Full cover

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Core H/care - No

Cover not selected

Core H/care - Yes

Core Healthcare:
Full cover

Psychiatric treatment

Add mod - Psychiatric - No

Cover not selected

Add mod - Psychiatric - Yes

Psychiatric Treatment:
Full cover for up to 28 days per plan year

Six week option

NHS wait option - No

Not available

NHS wait option - Yes

NHS wait option
By choosing the NHS wait option, it means that if the NHS can treat you promptly, you will receive your treatment from them. But if you have to wait longer than six weeks for in-patient or day-patient treatment, we will pay for treatment at a private hospital on your list.

Key Facts - Out-patient Charges

Complementary medicine

Add mod - Add Therapies - No

Cover not selected

Add mod - Add Therapies - Level 1

Additional modules:
Additional Therapies:
Level 1 : Up to £350 per plan year, GP or Specialist referral - Chiropractic, Osteopathy, Chiropody/Podiatry, Acupuncture, Homeopathy and two consultations with a Dietician

Add mod - Add Therapies - Level 2

Additional modules:
Additional Therapies:
Level 2 : Full cover, GP or Specialist referral - Chiropractic, Osteopathy, Chiropody/Podiatry, Acupuncture, Homeopathy and two consultations with a Dietician

Diagnostic tests (excluding scans)

Add mod - O/P Treatment - No

Cover not selected

Add mod - O/P Treatment - Level 1

Additional modules:
Out-patient Treatment : Level 1 - Up to £500 per plan year

Add mod - O/P Treatment - Level 2

Additional modules:
Out-patient Treatment : Level 2 - Up to £1,000 per plan year

Add mod - O/P Treatment - Level 3

Additional modules:
Out-patient Treatment : Level 3 - Full cover

GP referred consultations

Add mod - O/P Treatment - No

Cover not selected

Add mod - O/P Treatment - Level 1

Additional modules:
Out-patient Treatment : Level 1 - Up to £500 per plan year

Add mod - O/P Treatment - Level 2

Additional modules:
Out-patient Treatment : Level 2 - Up to £1,000 per plan year

Add mod - O/P Treatment - Level 3

Additional modules:
Out-patient Treatment : Level 3 - Full cover

Physiotherapy consultant referred

Add mod - O/P Treatment - No

Cover not selected

Add mod - O/P Treatment - Level 1

Additional modules:
Out-patient Treatment : Level 1 - Up to £500 per plan year

Add mod - O/P Treatment - Level 2

Additional modules:
Out-patient Treatment : Level 2 - Up to £1,000 per plan year

Add mod - O/P Treatment - Level 3

Additional modules:
Out-patient Treatment : Level 3 - Full cover

Physiotherapy GP referred

Add mod - O/P Treatment - No

Cover not selected

Add mod - O/P Treatment - Level 1

Additional modules:
Out-patient Treatment : Level 1 - Up to £500 per plan year

Add mod - O/P Treatment - Level 2

Additional modules:
Out-patient Treatment : Level 2 - Up to £1,000 per plan year

Add mod - O/P Treatment - Level 3

Additional modules:
Out-patient Treatment : Level 3 - Full cover

Psychiatric cover

Add mod - Psychiatric - No

Cover not selected

Add mod - Psychiatric - Yes

Psychiatric Treatment:
Up to £1,500 per plan year

Radiotherapy / Chemotherapy

Core H/care - No

Cover not selected

Core H/care - Yes

Core Healthcare:
Full cover

Scans - MRI / CT / PET

Core H/care - No

Cover not selected

Core H/care - Yes

Core Healthcare:
Full cover

Surgical Procedures

Core H/care - No

Cover not selected

Add mod - O/P Treatment - Level 1

Additional modules:
Out-patient Treatment : Level 1 - Up to £500 per plan year

Add mod - O/P Treatment - Level 2

Additional modules:
Out-patient Treatment : Level 2 - Up to £1,000 per plan year

Add mod - O/P Treatment - Level 3

Additional modules:
Out-patient Treatment : Level 3 - Full cover

Key Facts - Additional Benefits

NHS cash benefit

Core H/care - No

Cover not selected

Core H/care - Yes

Core Healthcare:
In-patient cash benefit = £250 per night (up to £2,000 per plan year)
Day-patient cash benefit = £125 per day (up to £500 per plan year)

Nursing at home

Add mod - Core Enhance - No

Cover not selected

Add mod - Core Enhance - Yes

Additional modules
Core Enhancement:
Home nursing: full cover for up to 13 weeks per plan year. Help at home: up to 3 hours per day for max 7 days per plan year

Parental accommodation

Add mod - Core Enhance - No

Cover not selected

Add mod - Core Enhance - Yes

Additional modules:
Core Enhancement:
Full cover (for you to stay with your insured child under 14 while they receive in-patient treatment)

Primary care

Add mod - Private GP - No

Cover not selected

Add mod - Private GP - Yes

Additional modules:
Private GP:
Up to £300 per plan year towards consultations, prescriptions, minor surgery, and fees for completion of claim forms

Private ambulance

Core H/care - No

Cover not selected

Core H/care - Yes

Core Healthcare:
Full cover (on specialist recommendation)

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

Up to 25 years of age (irrespective of marital or education status)

Chiropractors & Osteopaths

Add mod - Add Therapies - No

Cover not selected

Add mod - Add Therapies - Level 1

Add mod - Add Therapies - Level 2

Dental treatment

Cover not selected

Add mod - Core Enhance - Yes

Additional modules:
Core Enhancement:
Full cover for specified oral surgical procedures

Dental Cover - Level 1

Dental Cover Level 1:
• Crowns new or replacement : up to £300 per plan year
• Bridges/implants new or replacement : up to £200 per plan year
• Root canal treatment : up to £150 per plan year
• Apicectomy : up to £100 per plan year
• Extractions : up to £150 per plan year
• Dentures new or replacement : up to £250 per plan year
• Accidental dental : up to £2,500 per claim (max four claims per plan year)
• Emergency call-out fees : up to £50 per claim (max two claims per plan year)

Dental Cover - Level 2

Dental Cover Level 2:
• Maintenance routine examinations: up to £15 per claim (max two claims per plan year)
• Maintenance routine scaling and polishing: up to £25 per claim (max two claims per plan year)
• Maintenance dental x-ray up to £15 per claim (maximum two claims per plan year)
• Treatment fillings: up to £20 per claim (maximum two claims per plan year)
• Crowns new or replacement : up to £300 per plan year
• Inlay/onlay/overlay new or replacement : up to £50 per plan year
• Bridges/implants new or replacement : up to £200 per plan year
• Root canal treatment : up to £150 per plan year
• Apicectomy : up to £100 per plan year
• Extractions : up to £150 per plan year
• Dentures new or replacement : up to £250 per plan year
• Accidental dental : up to £2,500 per claim (max four claims per plan year)
• Emergency dental : up to £200 per claim (max two claims per plan year)
• Emergency call-out fees : up to £50 per claim (max two claims per plan year)

Dental Cover - Level 3

Dental Cover Level 3:
• Maintenance routine examinations: up to £30 per claim (max two claims per plan year)
• Maintenance routine scaling and polishing: up to £40 per claim (max two claims per plan year)
• Maintenance dental x-ray: up to £40 per claim (max two claims per plan year)
• Treatment fillings: up to £40 per claim (max two claims per plan year)
• Crowns new or replacement : up to £400 per plan year
• Inlay/onlay/overlay new or replacement : up to £100 per plan year
• Bridges/implants new or replacement : up to £300 per plan year
• Root canal treatment : up to £250 per plan year
• Apicectomy : up to £150 per plan year
• Extractions : up to £250 per plan year
• Dentures new or replacement : up to £350 per plan year
• Accidental dental : up to £2,500 per claim (max four claims per plan year)
• Emergency dental : up to £300 per claim (max two claims per plan year)
• Emergency call-out fees : up to £50 per claim (max two claims per plan year)

GP minor surgery

Add mod - Private GP - No

Cover not selected

Add mod - Private GP - Yes

Additional modules:
Private GP:
Up to £300 per plan year towards consultations, prescriptions, minor surgery, and fees for completion of claim forms

GP Referred Chiropody, Podiatry or Homeopathy

Add mod - Add Therapies - No

Cover not selected

Add mod - Add Therapies - Level 1

Add mod - Add Therapies - Level 2

Hospice care cash benefit

Not covered

Infertility investigations

Add mod - Core Enhance - No

Cover not selected

Add mod - Core Enhance - Yes

Additional modules:
Core Enhancement:
Full cover per plan year subject to a 2-year qualifying period

Maternity cash benefit

Health Cash Options - No

Cover not selected

Health Cash Options - Level 1

Health Cash Options - Level 2

Health Cash Options - Level 3

See Health Cash Options

Optional cash benefit

Health Cash Options - No

Cover not selected

Health Cash Options - Level 1

Health Cash Options - Level 2

Health Cash Options - Level 3

See Health Cash Options

Out of pocket expenses

Not covered

Overseas cover

Travel Cover - No

Cover not selected

Travel Cover - Level 1

Travel Cover - Level 1 max 30 days per trip. Benefits are per person, per holiday/business trip unless otherwise stated. *A £50 excess applies.

Overseas medical expenses: full cover up to £5 million
• Healthcare cover if taken ill overseas including accommodation costs and travel expenses to remain behind with a sick member*
• Repatriation expenses (if required to be flown home)*
• Transfer of body or ashes back to the UK
• Cost of burial or cremation outside the UK up to £1,000
Other travel benefits:
• Loss or damage to personal baggage up to £1,000*
• Loss of personal money up to £500*
• Loss or damage to business machines up to £500*
• Missed departure up to £250*
• Cancelling or cutting short the trip up to £2,000*
• Personal accident up to £25,000
• Personal liability up to £2 million
• Loss of passport up to £250*
• Delayed baggage up to £100*
• Legal expenses up to £25,000
• Replacement employee travel costs up to £750*

Travel Cover - Level 2

Travel Cover - Level 2 max 120 days per trip. Benefits are per person, per holiday/business trip unless otherwise stated. *A £50 excess applies.
Overseas medical expenses: full cover up to £10 million
• Healthcare cover if taken ill overseas including accommodation costs and travel expenses to remain behind with a sick member*
• Repatriation expenses (if required to be flown home)*
• Transfer of body or ashes back to the UK
• Cost of burial or cremation outside the UK up to £1,000
Other travel benefits:
• Loss or damage to personal baggage up to £2,000*
• Loss of personal money up to £1,000*
• Loss or damage to business machines up to £1,000*
• Delayed departure up to £100
• Missed departure up to £500*
• Cancelling or cutting short the trip up to £4,000*
• Personal accident up to £25,000
• Personal liability up to £2 million
• Loss of passport up to £250*
• Delayed baggage up to £200*
• Legal expenses up to £25,000
• Replacement employee travel costs up to £1,000*
Winter sports – 21 days per plan year (in addition to the cover above)
• Loss or damage to ski or snowboarding equipment up to £500*
• Loss of ski pass up to £500*
• Piste closure £30 per day up to £500*
• Loss of use of hired skis and ski pass due to illness or injury up to £500*

Personal & total disability benefit

Not covered

Post hospital recovery bonus

See Health Cash Options

Pregnancy

Cover not selected

Add mod - Core Enhance - Yes

Core Enhancement:
Full cover for specified pregnancy complications

Add mod - Maternity - Yes

Maternity cover:
Up to £3,000 per pregnancy for private ante-natal and post-natal care. Member must have been covered for two years to claim this benefit

Stress counselling helpline

Cover not selected

Prevent bens - GP Consultation - Yes

Preventative benefits:
GP Consultation Line:
Unlimited calls to one of our practicing GP's

Prevent bens - Nurse Helpline - Yes

Preventative benefits
Nurse Helpline:
Unlimited calls to experienced nurses

Prevent bens - EAP - Yes

Employee Assistance Programme
Unlimited access to a 24 hour confidential telephone service. Access to face to face counselling sessions if appropriate

Transplants

Full cover (medically necessary transplant, cover for insured recipient only)

Other benefits

Health Screening - Yes

Preventative benefits
Health Screening:
Vi5 health assessment with Nuffield Health or £300 if the assessment is not with Nuffield Health (one screen in every two years, 18 month qualifying period)

Prevent bens - Occ Health - Level 1

Preventative benefits:
Occupational Health
Level 1: Absence referrals, pre-employment questionnaires and telephone support (excludes the cost of related further medical evidence)

Prevent bens - Occ Health - Level 2

Preventative benefits:
Occupational Health
Level 2: Absence referrals, pre-employment questionnaires and telephone support (excludes the cost of related further medical evidence), including expenses related to any further medical evidence

Cash Plan...

Optical care

Cover not selected

Health Cash Options - Level 1

Level 1 - Up to £100 per plan year (Max of 2 eyesight tests per plan year)

Health Cash Options - Level 2

Level 2 - Up to £125 per plan year (Max of 2 eyesight tests per plan year)

Health Cash Options - Level 3

Level 3 - Up to £150 per plan year (Max of 2 eyesight tests per plan year)

Dental care

Cover not selected

Health Cash Options - Level 1

Level 1 - Up to £100 per plan year (Max of 2 check-ups per plan year)

Health Cash Options - Level 2

Level 2 - Up to £125 per plan year (Max of 2 check-ups per plan year)

Health Cash Options - Level 3

Level 3 - Up to £150 per plan year (Max of 2 check-ups per plan year)

Physiotherapy and alternative treatment

Cover not selected

Health Cash Options - Level 1

Level 1 - Up to £350 per plan year * (Physiotherapy, Acupuncture, Chiropractic,Homeopathy, Osteopathy)

Health Cash Options - Level 2

Level 2 - Up to £350 per plan year *(Physiotherapy, Acupuncture, Chiropractic, Homeopathy, Osteopathy)

Health Cash Options - Level 3

Level 3 - Up to £450 per plan year* (Physiotherapy, Acupuncture, Chiropractic, Homeopathy, Osteopathy)

Chiropody

Cover not selected

Health Cash Options - Level 1

Level 1 - No benefit payable

Health Cash Options - Level 2

Level 2 - Up to £100 per plan year*

Health Cash Options - Level 3

Level 3 - Up to £150 per plan year*

Specialist consultation & tests

Cover not selected

Health Cash Options - Level 1

Level 1 - Up to £250 per plan year*

Health Cash Options - Level 2

Level 2 - Up to £250 per plan year*

Health Cash Options - Level 3

Level 3 - Up to £325 per plan year*

Allergy testing

Cover not selected

Health Cash Options - Level 1

Level 1 - No benefit payable

Health Cash Options - Level 2

Level 2 - Up to £100 per plan year*

Health Cash Options - Level 3

Level 3 - Up to £150 per plan year*

Hospital in-patient

Cover not selected

Health Cash Options - Level 1

Level 1 - No benefit payable

Health Cash Options - Level 2

Level 2 - £30 per night (max of 40 nights)

Health Cash Options - Level 3

Level 3 - £45 per night (max of 40 nights)

Day care admission

Cover not selected

Health Cash Options - Level 1

Level 1 - No benefit payable

Health Cash Options - Level 2

Level 2 - £30 per visit (Max of 5 attendances)

Health Cash Options - Level 3

Level 3 - £45 per night (Max of 5 attendances)

Accident admission

Cover not selected

Health Cash Options - Level 1

Level 1 - No benefit payable

Health Cash Options - Level 2

Level 2 - £30 per night (max of 40 nights)

Health Cash Options - Level 3

Level 3 - £45 per night (max of 40 nights)

Maternity / paternity

Cover not selected

Health Cash Options - Level 1

Level 1 - £250 (For each birth/adoption)

Health Cash Options - Level 2

Level 2 - £275 (For each birth/adoption)

Health Cash Options - Level 3

Level 3 - £350 (For each birth/adoption)

Hospital parental accommodation

Cover not selected

Health Cash Options - Level 1

Level 1 - No benefit payable

Health Cash Options - Level 2

Level 2 - £30 per night (Max of 15 nights)

Health Cash Options - Level 3

Level 3 - £45 per night (Max of 15 nights)

Recuperation grant

Cover not selected

Health Cash Options - Level 1

Level 1 - No benefit payable

Health Cash Options - Level 2

Level 2 - £75 (After 7 consecutive nights in-patient stay)

Health Cash Options - Level 3

Level 3 - £100 (After 7 consecutive nights in-patient stay)

Health screening

Cover not selected

Health Cash Options - Level 1

Level 1 - No benefit payable

Health Cash Options - Level 2

Level 2 - £75 (One-off payment)

Health Cash Options - Level 3

Level 3 - £100 (One-off payment)

Employee Assistance Programme

Cover not selected

Health Cash Options - Level 1

Level 1 - Included

Health Cash Options - Level 2

Level 2 - Included

Health Cash Options - Level 3

Level 3 - Included

Personal accident

Cover not selected

Health Cash Options - Level 1

Level 1 - No benefit payable

Health Cash Options - Level 2

Level 2 - Up to £12,000

Health Cash Options - Level 3

Level 3 - Up to £12,000

Worldwide cover for in-patient treatment

Cover not selected

Health Cash Options - Level 1

Level 1 - No benefit payable

Health Cash Options - Level 2

Level 2 - No benefit payable

Health Cash Options - Level 3

Level 3 - £45 per night (Cover for trips of no more than 30 days duration. Max of 40 nights)

Other benefits

Health Cash Options - Level 1

Health Cash Options - Level 2

Health Cash Options - Level 3

All benefits are per person, per plan year, unless otherwise stated.
There is a one month waiting period before a claim can be made, although this is increased to ten months for the maternity/paternity benefit. The waiting period does not apply to optical care, dental care, accident admission and personal accident benefits. Also, we will not pay benefit for treatment of a pre-existing medical condition for the first 12 months of cover, except for optical care, dental care and accident admission. The maximum benefit payable for worldwide cover for in-patient treatment, hospital in-patient and accident admission is 40 nights in total per plan year. Terms, conditions and exclusions apply and these are provided in full in the documents that the member receives when the plan is taken out.
* We cover 75% of the fees incurred for these treatments.


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