Home > AXA health - THIG Flexicare

AXA health - THIG Flexicare

Access to this policy is Strictly forbidden to any intermediary other than The Health Insurance GroupThis is a personalised plan for The Health Insurance Group only

Benefits

Psychiatric only available when Full out-patient is selected
Out-patient	All Core Cover Plus: £500 O/P Cover Option1: Limited £1,000 O/P Cover Option2: Full O/P Cover No
Option 3 - Psychiatric Cover	All Yes No

Option 4 - Dental & Optical Cash Benefit	All Yes No
Option 6 - Travel	All Yes No
Cancer upgrade only available when Full out-patient is selected
Option 7 - Cancer Upgrade	All Yes No

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Core Cover No annual maximum
Surgeon / Consultant / Specialist & Anaesthetists fees
	Core Cover No annual maximum
Physicians fees & diagnostic tests
	Core Cover No annual maximum
Cancer Treatment Costs - Chemotherapy / Radiotherapy
Option 7 - Cancer Upgrade - No	Core Cover No annual maximum
Option 7 - Cancer Upgrade - Yes	Option 7 - Cancer Upgrade Core cover includes cover for the in-patient treatment, day-patient treatment and out-patient treatment of cancer, including radiotherapy. There is also cover for chemotherapy, including where treatment is necessary for a prolonged period of time, for up to one year. If you have option 7 there is no time limit on cover. This can only be selected in association with Option 2
Psychiatric treatment
Option 3 - Psychiatric Cover - No	Not covered
Option 3 - Psychiatric Cover - Yes	Option 3 - Psychiatric Cover Paid in full
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
	Not covered
Out-patient - Option1: Limited £1,000 O/P Cover	Option 1 - Limited out-patient Up to £1,000 pa included in overall out-patient limit. Within this limit AXA PPP healthcare will pay for up to 10 sessions pa for GP referred physiotherapy and/or complementary treatment or up to the benefit limit under a specialist referral
Out-patient - Option2: Full O/P Cover	Option 2 - Full out-patient No annual maximum. However AXA PPP healthcare will only pay up to 10 sessions pa for GP referred physiotherapy and/or complementary treatment or full refund with out limits to the number of sessions under a specialist referral
Diagnostic tests (excluding scans)
	Not covered
Out-patient - Core Cover Plus: £500 O/P Cover	Core Cover plus £500 for each person covered on the policy combined annual limit. Consultations must be related to and follow within six months of eligible in-patient or day-patient treatment
Out-patient - Option1: Limited £1,000 O/P Cover	Option 1 - Limited out-patient Up to £1,000 pa included in overall out-patient limit
Out-patient - Option2: Full O/P Cover	Option 2 - Full out-patient No annual maximum
GP referred consultations
	Not covered
Out-patient - Core Cover Plus: £500 O/P Cover	Core Cover plus £500 for each person covered on the policy combined annual limit. Consultations must be related to and follow within six months of eligible in-patient or day-patient treatment
Out-patient - Option1: Limited £1,000 O/P Cover	Option 1 - Limited out-patient Up to £1,000 pa included in overall out-patient limit. Within this limit AXA PPP healthcare will pay for up to 10 sessions pa for GP referred physiotherapy and/or complementary treatment or up to the benefit limit under a specialist referral
Out-patient - Option2: Full O/P Cover	Option 2 - Full out-patient No annual maximum. However AXA PPP healthcare will only pay up to 10 sessions pa for GP referred physiotherapy and/or complementary treatment or full refund with out limits to the number of sessions under a specialist referral
Physiotherapy consultant referred
	Not covered
Out-patient - Option1: Limited £1,000 O/P Cover	Option 1 - Limited out-patient Up to £1,000 pa included in overall out-patient limit
Out-patient - Option2: Full O/P Cover	Option 2 - Full out-patient No annual maximum
Physiotherapy GP referred
	Not covered
Out-patient - Option1: Limited £1,000 O/P Cover	Option 1 - Limited out-patient Up to £1,000 pa included in overall out-patient limit. Within this limit AXA PPP healthcare will pay for up to 10 sessions pa for GP referred physiotherapy treatment or up to the benefit limit under a specialist referral
Out-patient - Option2: Full O/P Cover	Option 2 - Full out-patient No annual maximum. However AXA PPP healthcare will only pay up to 10 sessions pa for GP referred physiotherapy and/or complementary treatment or full refund with out limits to the number of sessions under a specialist referral
Psychiatric cover
Option 3 - Psychiatric Cover - No	Not covered
Option 3 - Psychiatric Cover - Yes	Option 3 - Psychiatric Cover No annual maximum
Radiotherapy / Chemotherapy
Option 7 - Cancer Upgrade - No	Core Cover No annual maximum
Option 7 - Cancer Upgrade - Yes	Option 7 - Cancer Upgrade Core cover includes cover for the in-patient treatment, day-patient treatment and out-patient treatment of cancer, including radiotherapy. There is also cover for chemotherapy, including where treatment is necessary for a prolonged period of time, for up to one year. If you have option 7 there is no time limit on cover. This can only be selected in association with Option 2
Scans - MRI / CT / PET
	Core Cover No annual maximum
Surgical Procedures
	Core Cover No annual maximum
Key Facts - Additional Benefits
NHS cash benefit
	Day-patient and out-patient radiotherapy and chemotherapy £50 per day plus £50 per night in-patient stay (up to £2,000 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 14)
Private ambulance
	Core Cover Paid in full
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	Core Cover No annual maximum
Children covered
	Unmarried children cannot stay on the policy after the renewal date following their 21st birthday (or 25th birthday if in full-time education)
Chiropractors & Osteopaths
	Not covered
Out-patient - Option1: Limited £1,000 O/P Cover	Option 1 - Limited out-patient Up to £1,000 pa included in overall out-patient limit for Homeopathy. Within this limit AXA PPP healthcare will pay for up to 10 sessions pa for GP referred complementary practitioner treatment or up to the benefit limit under a specialist referral. Chiropody and Podiatry no cover
Out-patient - Option2: Full O/P Cover	Option 2 - Full out-patient No Annual Maximum for Homeopathy. However, AXA PPP healthcare will only pay up to 10 sessions pa for GP referred complementary practitioner treatment or full refund with out limits to the number of sessions under a specialist referral. Chiropody and Podiatry no cover
Dental treatment
	Specified oral surgical procedures only
Hospice donation
	£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
Option 4 - Dental & Optical Cash Benefit - No	Not covered
Option 4 - Dental & Optical Cash Benefit - Yes	Option 4 - Dental & Optical Cash Benefit * Dental care - up to 75% of costs incurred - up to £150 pa * Optical cash - up to 75% of costs incurred - up to £140 each year * Eye test - up to £25 each year for perscribed spectacles and contact lenses needed to correct vision
Out of pocket expenses
	Not covered
Overseas cover
Option 6 - Travel - No	Not covered
Option 6 - Travel - Yes	Option 6 - Worldwide Travel Cover for Business and leisure Comprehensive cover without excluding any pre-existing conditions
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	Not covered
Pregnancy
	Limited conditions
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
Option 7 - Cancer Upgrade - Yes	Option 7 - Cancer Upgrade + 10% loading on premium for cancer upgrade
	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

Core Cover
No annual maximum

Surgeon / Consultant / Specialist & Anaesthetists fees

Core Cover
No annual maximum

Physicians fees & diagnostic tests

Core Cover
No annual maximum

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Option 7 - Cancer Upgrade - No

Core Cover
No annual maximum

Option 7 - Cancer Upgrade - Yes

Option 7 - Cancer Upgrade
Core cover includes cover for the in-patient treatment, day-patient treatment and out-patient treatment of cancer, including radiotherapy. There is also cover for chemotherapy, including where treatment is necessary for a prolonged period of time, for up to one year. If you have option 7 there is no time limit on cover. This can only be selected in association with Option 2

Psychiatric treatment

Option 3 - Psychiatric Cover - No

Not covered

Option 3 - Psychiatric Cover - Yes

Option 3 - Psychiatric Cover
Paid in full

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

Not covered

Out-patient - Option1: Limited £1,000 O/P Cover

Option 1 - Limited out-patient
Up to £1,000 pa included in overall out-patient limit. Within this limit AXA PPP healthcare will pay for up to 10 sessions pa for GP referred physiotherapy and/or complementary treatment or up to the benefit limit under a specialist referral

Out-patient - Option2: Full O/P Cover

Option 2 - Full out-patient
No annual maximum. However AXA PPP healthcare will only pay up to 10 sessions pa for GP referred physiotherapy and/or complementary treatment or full refund with out limits to the number of sessions under a specialist referral

Diagnostic tests (excluding scans)

Not covered

Out-patient - Core Cover Plus: £500 O/P Cover

Core Cover plus
£500 for each person covered on the policy combined annual limit. Consultations must be related to and follow within six months of eligible in-patient or day-patient treatment

Out-patient - Option1: Limited £1,000 O/P Cover

Option 1 - Limited out-patient
Up to £1,000 pa included in overall out-patient limit

Out-patient - Option2: Full O/P Cover

Option 2 - Full out-patient
No annual maximum

GP referred consultations

Not covered

Out-patient - Core Cover Plus: £500 O/P Cover

Core Cover plus
£500 for each person covered on the policy combined annual limit. Consultations must be related to and follow within six months of eligible in-patient or day-patient treatment

Out-patient - Option1: Limited £1,000 O/P Cover

Out-patient - Option2: Full O/P Cover

Physiotherapy consultant referred

Not covered

Out-patient - Option1: Limited £1,000 O/P Cover

Option 1 - Limited out-patient
Up to £1,000 pa included in overall out-patient limit

Out-patient - Option2: Full O/P Cover

Option 2 - Full out-patient
No annual maximum

Physiotherapy GP referred

Not covered

Out-patient - Option1: Limited £1,000 O/P Cover

Option 1 - Limited out-patient
Up to £1,000 pa included in overall out-patient limit. Within this limit AXA PPP healthcare will pay for up to 10 sessions pa for GP referred physiotherapy treatment or up to the benefit limit under a specialist referral

Out-patient - Option2: Full O/P Cover

Psychiatric cover

Option 3 - Psychiatric Cover - No

Not covered

Option 3 - Psychiatric Cover - Yes

Option 3 - Psychiatric Cover
No annual maximum

Radiotherapy / Chemotherapy

Option 7 - Cancer Upgrade - No

Core Cover
No annual maximum

Option 7 - Cancer Upgrade - Yes

Scans - MRI / CT / PET

Core Cover
No annual maximum

Surgical Procedures

Core Cover
No annual maximum

Key Facts - Additional Benefits

NHS cash benefit

Day-patient and out-patient radiotherapy and chemotherapy £50 per day plus £50 per night in-patient stay (up to £2,000 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 14)

Private ambulance

Core Cover
Paid in full

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

Core Cover
No annual maximum

Children covered

Unmarried children cannot stay on the policy after the renewal date following their 21st birthday (or 25th birthday if in full-time education)

Chiropractors & Osteopaths

Not covered

Out-patient - Option1: Limited £1,000 O/P Cover

Option 1 - Limited out-patient
Up to £1,000 pa included in overall out-patient limit for Homeopathy. Within this limit AXA PPP healthcare will pay for up to 10 sessions pa for GP referred complementary practitioner treatment or up to the benefit limit under a specialist referral. Chiropody and Podiatry no cover

Out-patient - Option2: Full O/P Cover

Option 2 - Full out-patient
No Annual Maximum for Homeopathy. However, AXA PPP healthcare will only pay up to 10 sessions pa for GP referred complementary practitioner treatment or full refund with out limits to the number of sessions under a specialist referral. Chiropody and Podiatry no cover

Dental treatment

Specified oral surgical procedures only

Hospice donation

£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

Option 4 - Dental & Optical Cash Benefit - No

Not covered

Option 4 - Dental & Optical Cash Benefit - Yes

Option 4 - Dental & Optical Cash Benefit
* Dental care - up to 75% of costs incurred - up to £150 pa
* Optical cash - up to 75% of costs incurred - up to £140 each year
* Eye test - up to £25 each year
for perscribed spectacles and contact lenses needed to correct vision

Out of pocket expenses

Not covered

Overseas cover

Option 6 - Travel - No

Not covered

Option 6 - Travel - Yes

Option 6 - Worldwide Travel Cover for Business and leisure
Comprehensive cover without excluding any pre-existing conditions

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Not covered

Pregnancy

Limited conditions

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

Option 7 - Cancer Upgrade - Yes

Option 7 - Cancer Upgrade
+ 10% loading on premium for cancer upgrade

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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