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General and Medical - Altus Elite

Our Altus range’s popularity is due to the fact that it is an affordable private medical insurance cover and offers a comprehensive level of cover for you and your loved ones - when you really need it.

What is the Altus Range? Our very reasonably priced Altus range is more comprehensive than the Equs range and is an ideal option for those seeking more In/Out-Patient benefits. A key consideration when choosing between Equs and Altus is that Altus covers treatment for Cancer and includes the initial related consultations and diagnostics. There are additional benefits to consider such as the 24 hour GP advice line for when you need answers outside of regular GP surgery hours. Within the Altus range you could choose from:Altus Elite

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
Full refund (in accordance with General and Medical fee guidelines)
Psychiatric treatment
Up to 35 days per membership year £20,000 total payable
Six week option
Not available

Key Facts - Out-patient Charges

Complementary medicine
Therapies - Total amount for Therapies £500 per membership year, of which only £250 can be spent on complementary therapies
Diagnostic tests (excluding scans)
Full refund (in accordance with General and Medical fee guidelines)
GP referred consultations
Full refund (in accordance with General and Medical fee guidelines)
Physiotherapy consultant referred
Therapies - Total amount for Therapies £500 per membership year, of which only £250 can be spent on complementary therapies
Physiotherapy GP referred
Therapies - Total amount for Therapies £500 per membership year, of which only £250 can be spent on complementary therapies
Psychiatric cover
£1,000 in any membership year (in accordance with General and Medical fee guidelines)
Radiotherapy / Chemotherapy
Full refund (in accordance with General and Medical fee guidelines)
Scans - MRI / CT / PET
Full refund (in accordance with General and Medical fee guidelines)
Surgical Procedures
Full refund (in accordance with General and Medical fee guidelines)

Key Facts - Additional Benefits

NHS cash benefit
£250 per night per person (£7,500 maximum pa)
Nursing at home
£1,000 pa
Parental accommodation
£500 per year
Primary care
Private GP services up to £200 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 £500 per membership year, of which only £250 can be spent on complementary therapies
Dental treatment
Oro-surgical procedures included
Routine consultations and treatment up to £200 per membership year
GP minor surgery
Private GP services up to £200 per membership year
GP Referred Chiropody, Podiatry or Homeopathy
Not covered
Hospice care cash benefit
Not covered
Infertility investigations
Not covered
Maternity cash benefit
£160 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
£1,000,000 per year (travel medical expenses cover only available outside UK)
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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