Registration 
| Insurer & Benefits | Find a broker | |||
|---|---|---|---|---|
Includes additional benefits: Access to CIGNAs Diabetes Programme (can be removed under FLEX DOWN option to remove Health Management benefits including Stress Helpline) Optical cash benefit of £100 (75% reimbursement) Excess options: £0, £100, £150 and £200
Key Facts - In-patient & Day Case Charges | |
|---|---|
| Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings | |
| Paid in full | |
| Surgeon / Consultant / Specialist & Anaesthetists fees | |
| Paid in full | |
| Physicians fees & diagnostic tests | |
| Paid in full | |
| Cancer Treatment Costs - Chemotherapy / Radiotherapy | |
| Paid in full | |
| Psychiatric treatment | |
|
FLEX Down Option - No
|
Included up to maximum cover of £10,000 |
|
FLEX Down Option - Yes
|
FLEX Down Option - Psychiatric cover removed |
| Six week option | |
| Not available | |
Key Facts - Out-patient Charges | |
| Complementary medicine | |
|
FLEX Down Option - No
|
Paid in full, no maximum for complementary medicine |
|
FLEX Down Option - Yes
|
FLEX Down Option - Restricted to overall out-patient limit of £1,200 pa |
| Diagnostic tests (excluding scans) | |
| Paid in full | |
| GP referred consultations | |
|
FLEX Down Option - No
|
Paid in full |
|
FLEX Down Option - Yes
|
FLEX Down Option - Restricted to overall out-patient limit of £1,200 pa |
| Physiotherapy consultant referred | |
|
FLEX Down Option - No
|
Paid in full |
|
FLEX Down Option - Yes
|
FLEX Down Option - Restricted to overall out-patient limit of £1,200 pa |
| Physiotherapy GP referred | |
|
FLEX Down Option - No
|
Paid in full |
|
FLEX Down Option - Yes
|
FLEX Down Option - Restricted to overall out-patient limit of £1,200 pa |
| Psychiatric cover | |
|
FLEX Down Option - No
|
Included up to maximum cover of £10,000 |
|
FLEX Down Option - Yes
|
FLEX Down Option - Psychiatric cover removed |
| Radiotherapy / Chemotherapy | |
| Paid in full | |
| Scans - MRI / CT / PET | |
| Paid in full | |
| Surgical Procedures | |
| Paid in full | |
Key Facts - Additional Benefits | |
| NHS cash benefit | |
| £100 per night up to maximum of 35 nights | |
| Nursing at home | |
| Cover limited up to 180 days per policy year | |
| Parental accommodation | |
| Up to 30 days per annum (child under 12 years old) | |
| Primary care | |
| Not covered | |
| Private ambulance | |
| Paid in full | |
Additional Benefits | |
| Alcohol & drug abuse | |
|
FLEX Down Option - No
|
If you opt for our psychiatric cover, the only costs we'll pay for addictions and alcoholism are to cover diagnosis and the first alcohol or addictions programme after diagnosis. We may cover up to three attempts at detoxification before starting a formal outpatient addictions programme. We won't pay for any more claims for recovery programmes if it's a direct result of the addiction |
|
FLEX Down Option - Yes
|
FLEX Down Option - Not covered |
| Annual maximum limit | |
| No annual maximum | |
| Children covered | |
| Unmarried dependant children covered up to 21 or 25 if in full time education | |
| Chiropractors & Osteopaths | |
|
FLEX Down Option - No
|
Paid in full |
|
FLEX Down Option - Yes
|
FLEX Down Option - Restricted to overall out-patient limit of £1,200 pa |
| Dental treatment | |
|
FLEX Up Option - No
|
We only cover dental or orthodontic surgical procedures included in the CIGNA Fee Schedule which are specifically covered |
|
FLEX Up Option - Pearl Cover
|
FLEX Up Option: Pearl Cover - Annual benefit of up to £1,500 which includes, 2 x examinations, 2 x scale & polish, 4 x X-ray, 4 x quadrants of periodontal treatment Plus additional £300 for accidental & emergency pain relief (including overseas) |
|
FLEX Up Option - Diamond Cover
|
FLEX Up Option: Diamond Cover - Annual Benefit of up to £2,000 which includes, 2 x examinations, 2 x scale & polish, 4 x X-ray, 4 x quadrants of periodontal treatment. * Plus £300 for sports injuries * Plus Additional £300 for accidental & emergency pain relief (including overseas) |
| GP minor surgery | |
| Paid in full | |
| GP Referred Chiropody, Podiatry or Homeopathy | |
|
FLEX Down Option - No
|
Paid in full, no maximum for complementary medicine |
|
FLEX Down Option - Yes
|
FLEX Down Option - Restricted to overall out-patient limit of £1,200 pa |
| Hospice care cash benefit | |
| Not covered | |
| Infertility investigations | |
| Not covered | |
| Maternity cash benefit | |
| Not covered | |
| Optional cash benefit | |
| 75% up to £100 per year towards optical costs | |
| Out of pocket expenses | |
| Not covered | |
| Overseas cover | |
|
FLEX Up Travel - Yes
|
FLEX Up Option - to include CIGNA's comprehensive travel plan |
|
FLEX Up Travel - No
|
Limited to a cumulative total of 90 nights in any one year of insurance. Costs will be paid only up to limits in the list of benefits and will be paid in pounds sterling using a suitable exchange rate chosen by us. If the Foreign and Commonwealth Office has advised against travel to a particular country or area, or if you are already there but have been advised to leave, we will not pay for treatment whilst there unless you received prior written authority from us. |
| Personal & total disability benefit | |
| Not covered | |
| Post hospital recovery bonus | |
| Not covered | |
| Pregnancy | |
| Pregnancy or childbirth is not covered, unless it is affected by an acute medical condition or requires a specified obstetric procedure | |
| Stress counselling helpline | |
|
FLEX Down Option - Yes
|
FLEX Down Option - Stress counselling Helpline & Diabetes Programme |
|
FLEX Down Option - No
|
Access to telephonic helpline and 6 sessions of face-to-face counselling |
| Transplants | |
| Not covered | |
| Insurer & Benefits: | Insurers, Featured Insurers |
|---|---|
| Find a broker: | Find a Broker |