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WPA - Active Health

Active Health is designed to meet the needs of active retirees seeking to maintain their valuable private health insurance cover.

It offers extensive cover up to £150,000 per person per year, with the choice of two excesses (£3,000 and £5,000) to help ensure your premiums are not excessive.

Active Health is an intelligent way to fund your healthcare with premiums up to 80% less than traditional full cover plans.(1)

A unique ‘rolling excess’

(1) Based on a 55 year old with a £5,000 excess compared to a leading competitor’s comprehensive plan with no excess – May 2010The excess works on a rolling basis, per person per year – not per claim. This means that once your treatment costs exceed your excess limit within a 12 month period, WPA will cover the cost of all eligible treatment for a further 12 months. So in effect, you get a full year’s ‘excess holiday’.

Benefits

Add your extras - Enhance the cover with the following - Excess does not apply
Emergency Abroad (excluding USA)	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 Full refund of hospital & specialist charges, Radiotherapy & Chemotherapy drugs. (A 90 day deferment period applies) Advanced Cancer Drugs 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 wneh given with curative intent. (A 90 day deferment period applies)
Psychiatric treatment
	Not covered
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
	Full refund for physiotherapy (and other therapies) benefit. This benefit covers one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.
Diagnostic tests (excluding scans)
	Full refund for consultations and diagnostic tests arranged by a specialist , in line with customary & reasonable fees. Full refund for pre-admission tests in the 2 weeks prior to admission to hospital.
GP referred consultations
	Full refund for consultations and diagnostic tests arranged by a specialist, in line with customary & reasonable fees
Physiotherapy consultant referred
	Full refund for physiotherapy (and other therapies) benefit. This benefit covers one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.
Physiotherapy GP referred
	Full refund for physiotherapy (and other therapies) benefit. This benefit covers one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.
Psychiatric cover
	Not covered
Radiotherapy / Chemotherapy
	Cancer Cover Full refund of hospital & specialist charges, Radiotherapy & Chemotherapy drugs. (A 90 day deferment period applies) Advanced Cancer Drugs 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 wneh given with curative intent. (A 90 day deferment period applies)
Scans - MRI / CT / PET
	Full refund for MRI, CT & PET scans at the request of a Specialist
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 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
	Up to £150,000 per person per year
Children covered
	Yes - provided the child/children are on cover with an insured adult. 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
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
	Not covered
Overseas cover
Emergency Abroad (excluding USA) - No	Not covered
Emergency Abroad (excluding USA) - 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.

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
Full refund of hospital & specialist charges, Radiotherapy & Chemotherapy drugs. (A 90 day deferment period applies)

Advanced Cancer Drugs
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 wneh given with curative intent. (A 90 day deferment period applies)

Psychiatric treatment

Not covered

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

Full refund for physiotherapy (and other therapies) benefit. This benefit covers one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language therapy.

Diagnostic tests (excluding scans)

Full refund for consultations and diagnostic tests arranged by a specialist , in line with customary & reasonable fees. Full refund for pre-admission tests in the 2 weeks prior to admission to hospital.

GP referred consultations

Full refund for consultations and diagnostic tests arranged by a specialist, in line with customary & reasonable fees

Physiotherapy consultant referred

Physiotherapy GP referred

Psychiatric cover

Not covered

Radiotherapy / Chemotherapy

Scans - MRI / CT / PET

Full refund for MRI, CT & PET scans at the request of a Specialist

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

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

Up to £150,000 per person per year

Children covered

Yes - provided the child/children are on cover with an insured adult. 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

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

Not covered

Overseas cover

Emergency Abroad (excluding USA) - No

Not covered

Emergency Abroad (excluding USA) - 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.


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