IR - WPA - Flexible Health

WPA - Flexible Health - premier

Quality cover at an affordable price

Business Class:

All hospital costs, surgery fees, MRI/CT Scans and out-patient surgical procedures.
Specialist consultations (£150) and physiotherapy (£200) can be enhanced with extra out-patient.
Choose from over 600 UK hospitals as standard.
4 co-payment levels giving you savings of up to 50%.

- £250 • £500 • £1,000 • £3,000

Extras

Add cancer cover (with advanced cancer drugs) or advanced cancer drugs (only)
Add extra out-patient
Add emergency abroad
Add dental cover
Add premium hospitals

Up to 20% discount available for the self-employed and members of a WPA recognised Profession
This discount also applies to family members in the same household. Visit http://www.wpa.org.uk/qualify

Benefits

Add your extras - Enhance the cover with the following
cancer cover	All Cancer Cover (inc advanced drugs) No
extra out-patient	All Yes No
emergency abroad	All Yes No
dental Plan	All Yes No
premium hospitals	All Yes No

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Full refund of customary and reasonable fees
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full refund of customary and reasonable fees
Physicians fees & diagnostic tests
	Full refund of customary and reasonable fees
Cancer Treatment Costs - Chemotherapy / Radiotherapy
cancer cover - Cancer Cover (inc advanced drugs)	Cancer Cover (inc advanced cancer drugs) Full refund of hospital & Specialist charges, Radiotherapy & Chemotherapy drugs. (A 90 day deferment period applies.) WPA will fund the use of advanced anti-cancer (targeted) treatments which are authorised for use in the UK but not readily available in the NHS, with our prior approval and when given with curative intent Advanced Cancer Drugs Cover for licensed cancer drugs that are not available on the NHS. £50,000 lifetime benefit (there is a 90 day deferment period). Drugs must be licensed by the European Medical Agency (EMEA) and recommended by your cancer specialist but not yet approved by the National Institute for Health and Clinical Excellence (NICE) and therefore not available from the NHS.
Psychiatric treatment
	Not covered
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
extra out-patient - No	Up to £350 as an overall combined limit for Specialist consultations, physiotherapy and other therapies
extra out-patient - Yes	extra out-patient Up to £1000 as an overall combined limit for Specialist consultations, for physiotherapy and other therapies
Diagnostic tests (excluding scans)
extra out-patient - No	Up to £350 as an overall limit for consultations and diagnostic tests arranged by either a specialist or GP, in line with customary & reasonable fees
extra out-patient - Yes	extra out-patient Up to £1,000 as an overall limit for consultations and diagnostic tests arranged by either a specialist or GP, in line with customary & reasonable fees. Full refund for pre-admission tests in the 2 weeks prior to admission to hospital. One follow-up consultation within 90 days following a surgical procedure and associated tests carried out on the same day for post-hospital consultation & tests
GP referred consultations
extra out-patient - No	Up to £350 as an overall limit for consultations and diagnostic tests arranged by either a specialist or GP, in line with customary & reasonable fees
extra out-patient - Yes	extra out-patient Up to £1000 as an overall combined limit for Specialist consultations, for physiotherapy and other therapies
Physiotherapy consultant referred
extra out-patient - No	Up to £350 as an overall combined limit for Specialist consultations, physiotherapy and other therapies
extra out-patient - Yes	extra out-patient Up to £1000 as an overall combined limit for Specialist consultations, for physiotherapy and other therapies
Physiotherapy GP referred
extra out-patient - No	Up to £350 as an overall combined limit for Specialist consultations, physiotherapy and other therapies, up to a max of 10 sessions.
extra out-patient - Yes	extra out-patient Up to £1000 as an overall combined limit for Specialist consultations, for physiotherapy and other therapies
Psychiatric cover
	Not covered
Radiotherapy / Chemotherapy
cancer cover - No	Not covered
cancer cover - Cancer Cover (inc advanced drugs)	Cancer Cover (inc advanced cancer drugs) Full refund of hospital & Specialist charges, Radiotherapy & Chemotherapy drugs. (A 90 day deferment period applies.) WPA will fund the use of advanced anti-cancer (targeted) treatments which are authorised for use in the UK but not readily available in the NHS, with our prior approval and when given with curative intent Advanced Cancer Drugs Cover for licensed cancer drugs that are not available on the NHS. £50,000 lifetime benefit (there is a 90 day deferment period). Drugs must be licensed by the European Medical Agency (EMEA) and recommended by your cancer specialist but not yet approved by the National Institute for Health and Clinical Excellence (NICE) and therefore not available from the NHS.
Scans - MRI / CT / PET
	Full refund for MRI, CT & PET scans at the request of a Specialist and 1 MRI or CT scan arranged by your GP.
Surgical Procedures
	Full refund for surgical and diagnostic procedures (including endoscopies as an out-patient) in line with customary & reasonable fees
Key Facts - Additional Benefits
NHS cash benefit
	NHS Hospital Cash Benefit £150 In-patient (less than 3 nights) £200 In-patient (3 nights or more) £150 Out-patient complex diagnostic scans 3 and procedures Benefit amounts shown are per person per day/night and there is an overall combined maximum benefit of £4,500 per person per Policy year Where you receive treatment (as an NHS patient) in one of the defined Central London NHS Hospitals, the benefit limits shown on the table will increase by £100 per day/night up to the same maximum annual limits shown.
cancer cover - Cancer Cover (inc advanced drugs)	Cancer related NHS Hospital Cash Benefit £200 In-patient or day-patient £150 Out-patient complex diagnostic scans 3, procedures, blood tests and radiotherapy/ chemotherapy Benefit amounts shown are per person per day/night and there is an overall combined maximum benefit of £6,000 per person per Policy year Where you receive treatment (as an NHS patient) in one of the defined Central London NHS Hospitals, the benefit limits shown on the table will increase by £100 per day/night up to the same maximum annual limits shown.
Nursing at home
	Up to 4 weeks per plan year by a qualified nurse
Parental accommodation
	Hospital accommodation charges provided the child is covered on the plan
Private ambulance
	Full refund when this is needed for medical reasons to go to, from or between hospitals for treatment which is covered by the policy holder's plan
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	Yes - Children can also be on cover in their own right. A child cannot remain on a policy holder's plan once they marry or leave the main residence (except if going to higher education)
Chiropractors & Osteopaths
	See Complementary Medicine benefit
Dental treatment
	Not covered
extra out-patient - Yes	extra out-patient General Dental Treatment – £200 (1 month qualifying period)
dental Plan - Yes	Dental Cover * General Dental Treatment up to £250 per policy year (1 month qualifying period). * Dental Emergencies up to £250 per emergency, maximum £1,000 per policy year (14 day qualifying period). * Dental Injuries up to £20,000 per policy year. * Defined Oral Problems up to £10,000 per policy year.
Hospice donation
	£70 per day / night up to £700 per plan year
Infertility investigations
	Not covered
Maternity cash benefit
	Not covered
Optional cash benefit
	Not covered
Out of pocket expenses
	Up to £10 per day
Overseas cover
emergency abroad - No	Not covered
emergency abroad - Yes	emergency abroad (not USA & its dependency Puerto Rico)) * Trips abroad for up to 70 days per trip (annual maximum of 180 days and £500,000) * Treatment for medical emergencies * Evacuation/Repatriation, including family members, by air ambulance when local medical facilities are inadequate Note that WPA only provides medical evacuation to the nearest suitable medical facility where the treatment you need is available. We will repatriate you to the UK where treatment cannot be obtained locally and continued treatment is medically necessary.
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	Not covered
Pregnancy
	Not covered
Transplants
	No cover except for cornea transplants or skin grafts, blood transfusion and bone marrow or stem cell transplants where this forms part of treatment for cancer. For other conditions we will pay for one complete procedure (of bone marrow or stem cell transplant per lifetime for each individual person covered by the policy if it is not readily available on the NHS. Cover must be agreed before treatment starts. Donor costs will not be covered.
Other benefits
extra out-patient - Yes	extra out-patient Optical – £200 (1 month qualifying period)
extra out-patient - Yes	extra out-patient Health Screening – £200 (1 month qualifying period)

Key Facts - In-patient & Day Case Charges

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

Full refund of customary and reasonable fees

Surgeon / Consultant / Specialist & Anaesthetists fees

Full refund of customary and reasonable fees

Physicians fees & diagnostic tests

Full refund of customary and reasonable fees

Cancer Treatment Costs - Chemotherapy / Radiotherapy

cancer cover - Cancer Cover (inc advanced drugs)

Cancer Cover (inc advanced cancer drugs)
Full refund of hospital & Specialist charges, Radiotherapy & Chemotherapy drugs. (A 90 day deferment period applies.)
WPA will fund the use of advanced anti-cancer (targeted) treatments which are authorised for use in the UK but not readily available in the NHS, with our prior approval and when given with curative intent

Advanced Cancer Drugs
Cover for licensed cancer drugs that are not available on the NHS. £50,000 lifetime benefit (there is a 90 day deferment period).
Drugs must be licensed by the European Medical Agency (EMEA) and recommended by your cancer specialist but not yet approved by the National Institute for Health and Clinical Excellence (NICE) and therefore not available from the NHS.

Psychiatric treatment

Not covered

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

extra out-patient - No

Up to £350 as an overall combined limit for Specialist consultations, physiotherapy and other therapies

extra out-patient - Yes

extra out-patient
Up to £1000 as an overall combined limit for Specialist consultations, for physiotherapy and other therapies

Diagnostic tests (excluding scans)

extra out-patient - No

Up to £350 as an overall limit for consultations and diagnostic tests arranged by either a specialist or GP, in line with customary & reasonable fees

extra out-patient - Yes

extra out-patient
Up to £1,000 as an overall limit for consultations and diagnostic tests arranged by either a specialist or GP, in line with customary & reasonable fees. Full refund for pre-admission tests in the 2 weeks prior to admission to hospital.
One follow-up consultation within 90 days following a surgical procedure and associated tests carried out on the same day for post-hospital consultation & tests

GP referred consultations

extra out-patient - No

Up to £350 as an overall limit for consultations and diagnostic tests arranged by either a specialist or GP, in line with customary & reasonable fees

extra out-patient - Yes

extra out-patient
Up to £1000 as an overall combined limit for Specialist consultations, for physiotherapy and other therapies

Physiotherapy consultant referred

extra out-patient - No

Up to £350 as an overall combined limit for Specialist consultations, physiotherapy and other therapies

extra out-patient - Yes

extra out-patient
Up to £1000 as an overall combined limit for Specialist consultations, for physiotherapy and other therapies

Physiotherapy GP referred

extra out-patient - No

Up to £350 as an overall combined limit for Specialist consultations, physiotherapy and other therapies, up to a max of 10 sessions.

extra out-patient - Yes

extra out-patient
Up to £1000 as an overall combined limit for Specialist consultations, for physiotherapy and other therapies

Psychiatric cover

Not covered

Radiotherapy / Chemotherapy

cancer cover - No

Not covered

cancer cover - Cancer Cover (inc advanced drugs)

Scans - MRI / CT / PET

Full refund for MRI, CT & PET scans at the request of a Specialist and 1 MRI or CT scan arranged by your GP.

Surgical Procedures

Full refund for surgical and diagnostic procedures (including endoscopies as an out-patient) in line with customary & reasonable fees

Key Facts - Additional Benefits

NHS cash benefit

NHS Hospital Cash Benefit
£150 In-patient (less than 3 nights)
£200 In-patient (3 nights or more)
£150 Out-patient complex diagnostic scans 3 and procedures
Benefit amounts shown are per person per day/night and there is an overall combined maximum benefit of £4,500 per person per Policy year

Where you receive treatment (as an NHS patient) in one of the defined Central London NHS Hospitals, the benefit limits shown on the table will increase by £100 per day/night up to the same maximum annual limits shown.

cancer cover - Cancer Cover (inc advanced drugs)

Cancer related NHS Hospital Cash Benefit
£200 In-patient or day-patient
£150 Out-patient complex diagnostic scans 3, procedures, blood tests and radiotherapy/ chemotherapy
Benefit amounts shown are per person per day/night and there is an overall combined maximum benefit of £6,000 per person per Policy year

Where you receive treatment (as an NHS patient) in one of the defined Central London NHS Hospitals, the benefit limits shown on the table will increase by £100 per day/night up to the same maximum annual limits shown.

Nursing at home

Up to 4 weeks per plan year by a qualified nurse

Parental accommodation

Hospital accommodation charges provided the child is covered on the plan

Private ambulance

Full refund when this is needed for medical reasons to go to, from or between hospitals for treatment which is covered by the policy holder's plan

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

Yes - Children can also be on cover in their own right. A child cannot remain on a policy holder's plan once they marry or leave the main residence (except if going to higher education)

Chiropractors & Osteopaths

See Complementary Medicine benefit

Dental treatment

Not covered

extra out-patient - Yes

extra out-patient
General Dental Treatment – £200 (1 month qualifying period)

dental Plan - Yes

Dental Cover
* General Dental Treatment up to £250 per policy year (1 month qualifying period).
* Dental Emergencies up to £250 per emergency, maximum £1,000 per policy year (14 day qualifying period).
* Dental Injuries up to £20,000 per policy year.
* Defined Oral Problems up to £10,000 per policy year.

Hospice donation

£70 per day / night up to £700 per plan year

Infertility investigations

Not covered

Maternity cash benefit

Not covered

Optional cash benefit

Not covered

Out of pocket expenses

Up to £10 per day

Overseas cover

emergency abroad - No

Not covered

emergency abroad - Yes

emergency abroad (not USA & its dependency Puerto Rico))
* Trips abroad for up to 70 days per trip (annual maximum of 180 days and £500,000)
* Treatment for medical emergencies
* Evacuation/Repatriation, including family members, by air ambulance when local medical facilities are inadequate

Note that WPA only provides medical evacuation to the nearest suitable medical facility where the treatment you need is available.
We will repatriate you to the UK where treatment cannot be obtained locally and continued treatment is medically necessary.

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Not covered

Pregnancy

Not covered

Transplants

No cover except for cornea transplants or skin grafts, blood transfusion and bone marrow or stem cell transplants where this forms part of treatment for cancer. For other conditions we will pay for one complete procedure (of bone marrow or stem cell transplant per lifetime for each individual person covered by the policy if it is not readily available on the NHS. Cover must be agreed before treatment starts. Donor costs will not be covered.

Other benefits

extra out-patient - Yes

extra out-patient
Optical – £200 (1 month qualifying period)

extra out-patient - Yes

extra out-patient
Health Screening – £200 (1 month qualifying period)


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