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Universal Provident - Choices

Choices is Universal Provident’s private medical insurance product which gives you the power to choose the benefits that suit you and your needs. We have taken the benefits of traditional private medical insurance, added some extra benefits and broken them down into convenient modules, with each module being individually priced – so you are not only in control of the benefits you choose, but also the overall price of your cover.

Choices is available for both individuals and corporate groups

Benefits

Core Modules
Module A1: Full in-patient / day-patient All Yes No
Module A2: 90 day wait All Yes No
Additional Choices
Module B: Full out-patient All Yes No
Module C: £500 out-patient All Yes No
Module D: Therapies All Yes No
Module E: Psychiatric All Yes No

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
Module A1: Full in-patient / day-patient - Yes
Module A1 (In-patient and day-patient)
Full refund within your chosen hospital scale
Module A2: 90 day wait - Yes
Module A2 (In-patient - 90 day waiting period)
Full refund within any hospital approved by UP and within 30 miles of your normal place of residence and provided treatment as an in-patient is not available under the NHS within 90 days
Surgeon / Consultant / Specialist & Anaesthetists fees
Module A1: Full in-patient / day-patient - Yes
Module A1 (In-patient and day-patient)
Full refund within your chosen hospital scale
Module A2: 90 day wait - Yes
Module A2 (In-patient - 90 day waiting period)
Full refund within any hospital approved by UP and within 30 miles of your normal place of residence and provided treatment as an in-patient is not available under the NHS within 90 days
Physicians fees & diagnostic tests
Module A1: Full in-patient / day-patient - Yes
Module A1 (In-patient and day-patient)
Full refund within your chosen hospital scale
Module A2: 90 day wait - Yes
Module A2 (In-patient - 90 day waiting period)
Full refund within any hospital approved by UP and within 30 miles of your normal place of residence and provided treatment as an in-patient is not available under the NHS within 90 days
Cancer Treatment Costs - Chemotherapy / Radiotherapy
Module A1: Full in-patient / day-patient - Yes
Module A1 (In-patient and day-patient)
Full refund within your chosen hospital scale
Module A2: 90 day wait - Yes
Module A2 (In-patient - 90 day waiting period)
Full refund within any hospital approved by UP and within 30 miles of your normal place of residence and provided treatment as an in-patient is not available under the NHS within 90 days
Psychiatric treatment
Module E: Psychiatric - No
 Not covered
Module E: Psychiatric - Yes
Module E (Psychiatric illness)
£250 per day for a maximum of 28 days per person per policy period
Six week option
Module A2: 90 day wait - No
 Not covered
Module A2: 90 day wait - Yes
Module A2 (In-patient - 90 day waiting period)
Provides cover for private in-patient treatment if such treatment is not available free of charge under the NHS within 90 days of your specialist confirming that it is necessary. Treatment will be provided in a hospital approved by us within a 30 mile radius of your home and cover will include hospital charges, surgeons’ and anaesthetists fees and charges for radiotherapy, chemotherapy and oncology. If treatment is available free of charge under the NHS you will be entitled to a cash benefit for each night you spend in hospital.

Key Facts - Out-patient Charges

Complementary medicine
Module D: Therapies - No
 Not covered
Module D: Therapies - Yes
Module D (Therapies)
£500 combined limit for acupuncture, chiropractic, homeopathy and osteopathy (or any other form of complementary medicine for which we have given our approval before treatment is undertaken), on the referral of a specialist or GP
Diagnostic tests (excluding scans)
Not covered
Module B: Full out-patient - Yes
Module B (Out-patient treatment - Full refund)
Full Refund
Module C: £500 out-patient - Yes
Module C (Out-patient treatment - limited)
£500 combined limit for Acupuncture,Chiropractic, Homeopathy and Osteopathy (or any other form of complementary medicine for which we have given our approval before treatment is undertaken), on the referral of a specialist or GP
GP referred consultations
Not covered
Module B: Full out-patient - Yes
Module B (Out-patient treatment - Full refund)
Full Refund
Module C: £500 out-patient - Yes
Module C (Out-patient treatment - limited)
£500 combined limit for Acupuncture,Chiropractic, Homeopathy and Osteopathy (or any other form of complementary medicine for which we have given our approval before treatment is undertaken), on the referral of a specialist or GP
Physiotherapy consultant referred
Module D: Therapies - No
 Not covered
Module D: Therapies - Yes
Module D (Therapies)
£500 combined limit for acupuncture, chiropractic, homeopathy and osteopathy (or any other form of complementary medicine for which we have given our approval before treatment is undertaken), on the referral of a specialist or GP
Physiotherapy GP referred
Module D: Therapies - No
 Not covered
Module D: Therapies - Yes
Module D (Therapies)
£500 combined limit for acupuncture, chiropractic, homeopathy and osteopathy (or any other form of complementary medicine for which we have given our approval before treatment is undertaken), on the referral of a specialist or GP
Psychiatric cover
Module E: Psychiatric - No
 Not covered
Module E: Psychiatric - Yes
Module E (Psychiatric illness)
£450 per person per policy period
Radiotherapy / Chemotherapy
Module A1: Full in-patient / day-patient - Yes
Module A1 (In-patient and day-patient)
Full refund within your chosen hospital scale
Module A2: 90 day wait - Yes
Module A2 (In-patient - 90 day waiting period)
Full refund within any hospital approved by UP and within 30 miles of your normal place of residence and provided treatment as an in-patient is not available under the NHS within 90 days
Scans - MRI / CT / PET
Module B: Full out-patient - No
 Not covered
Module B: Full out-patient - Yes
Module B (Out-patient treatment - Full refund)
Full Refund
Surgical Procedures
Not covered

Key Facts - Additional Benefits

NHS cash benefit
Module A1: Full in-patient / day-patient - No
 Not covered
Module A1: Full in-patient / day-patient - Yes
Module A1 (In-patient and day-patient)
£100 per night (maximum £2,000 per person per policy period) For each night spent in a NHS hospital, without charge, during the course of in-patient treatment
Nursing at home
Module A1: Full in-patient / day-patient - No
 Not covered
Module A1: Full in-patient / day-patient - Yes
Module A1 (In-patient and day-patient)
Full refund for a maximum of 30 days per person per policy period
Parental accommodation
Module A1: Full in-patient / day-patient - No
 Not covered
Module A1: Full in-patient / day-patient - Yes
Module A1 (In-patient and day-patient)
Charges for accommodation for one adult to accompany an insured child aged 10 years or under, who is receiving treatment in hospital
Private ambulance
Module A1: Full in-patient / day-patient - No
 Not covered
Module A1: Full in-patient / day-patient - Yes
Module A1 (In-patient and day-patient)
£200 if recommended by a specialist for medical reasons and during or immediately prior to or after in-patient treatment

Additional Benefits

Alcohol & drug abuse
Not covered
Annual maximum limit
No annual maximum
Children covered
An unmarried child aged under 21 (or under 25 if in full-time education)
Chiropractors & Osteopaths
Module D: Therapies - No
 Not covered
Module D: Therapies - Yes
Module D (Therapies)
£500 combined limit for acupuncture, chiropractic, homeopathy and osteopathy (or any other form of complementary medicine for which we have given our approval before treatment is undertaken), on the referral of a specialist or GP
Dental treatment
Not covered
Hospice donation
Not covered
Infertility investigations
Not covered
Maternity cash benefit
Not covered
Optional cash benefit
Not covered
Out of pocket expenses
Not covered
Overseas cover
Not covered
Personal & total disability benefit
Not covered
Post hospital recovery bonus
Not covered
Pregnancy
Not covered
Transplants
Not covered
 
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