Registration 
| Insurer & Benefits | Find a broker | |||
|---|---|---|---|---|
Key Facts - In-patient & Day Case Charges | |
|---|---|
| Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings | |
|
Cover level - Comprehensive Cover level - Standard
|
Full refund of customary and reasonable fees |
| Surgeon / Consultant / Specialist & Anaesthetists fees | |
|
Cover level - Comprehensive Cover level - Standard
|
Full refund of customary and reasonable fees |
| Physicians fees & diagnostic tests | |
|
Cover level - Comprehensive Cover level - Standard
|
Full refund of customary and reasonable fees |
| Cancer Treatment Costs - Chemotherapy / Radiotherapy | |
|
Cover level - Standard
|
Cover not available |
|
Cover level - Comprehensive
|
Full refund of customary and reasonable fees |
| Psychiatric treatment | |
|
Cover level - Standard
|
Cover not available |
|
Cover level - Comprehensive
|
Full refund for up to 28 days or nights in any 5 year period |
| Six week option | |
|
Six week wait - No
|
Cover not available |
|
Six week wait - Yes
|
Where treatment is required and the NHS waiting list for the treatment required is longer than six weeks from their initial private consultation (covered in line with customary and reasonable limits), employees are eligible to receive treatment straight away, privately. NHS cash benefit is available where treatment is provided on the NHS. Please note that cancer treatment, once diagnosed, is not covered under this option (both privately or on the NHS). |
Key Facts - Out-patient Charges | |
| Complementary medicine | |
|
Comprehensive O/p Option - £500 Comprehensive O/p Option - No
|
Up to £500 p.a. Combined benefit with Specialist consultations / Tests and for Physiotherapy and other therapies. |
|
Comprehensive O/p Option - £1000
|
Up to £1,000 p.a. Combined benefit with Specialist consultations / Tests and for Physiotherapy and other therapies. |
|
Comprehensive O/p Option - Unlimited
|
Unlimited. Combined benefit with Specialist consultations / Tests and for Physiotherapy and other therapies. |
| Diagnostic tests (excluding scans) | |
|
Comprehensive O/p Option - £500 Comprehensive O/p Option - No
|
Up to £500 p.a. Combined benefit with Specialist consultations / Tests and for cover of one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, physiotherapy, Speech and Language therapy. Note: there is a maximum of 10 sessions per person per group policy year for GP referred therapy. |
|
Comprehensive O/p Option - £1000
|
Up to £1,000 p.a. Combined benefit with Specialist consultations / Tests and for cover of one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, physiotherapy, Speech and Language therapy. Note: there is a maximum of 10 sessions per person per group policy year for GP referred therapy. |
|
Comprehensive O/p Option - Unlimited
|
Unlimited, combined benefit with Specialist consultations / Tests and for cover of one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, physiotherapy, Speech and Language therapy. Note: there is a maximum of 10 sessions per person per group policy year for GP referred therapy. |
| GP referred consultations | |
|
Comprehensive O/p Option - £500 Comprehensive O/p Option - No
|
Up to £500 p.a. Combined benefit with Specialist consultations / Tests and for cover of one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, physiotherapy, Speech and Language therapy. Note: there is a maximum of 10 sessions per person per group policy year for GP referred therapy. |
|
Comprehensive O/p Option - £1000
|
Up to £1,000 p.a. Combined benefit with Specialist consultations / Tests and for cover of one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, physiotherapy, Speech and Language therapy. Note: there is a maximum of 10 sessions per person per group policy year for GP referred therapy. |
|
Comprehensive O/p Option - Unlimited
|
Unlimited, combined benefit with Specialist consultations / Tests and for cover of one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, physiotherapy, Speech and Language therapy. Note: there is a maximum of 10 sessions per person per group policy year for GP referred therapy. |
| Physiotherapy consultant referred | |
|
Comprehensive O/p Option - £500 Comprehensive O/p Option - No
|
Up to £500 p.a. Combined benefit with Specialist consultations / Tests and for cover of one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, physiotherapy, Speech and Language therapy. Note: there is a maximum of 10 sessions per person per group policy year for GP referred therapy. |
|
Comprehensive O/p Option - £1000
|
Up to £1,000 p.a. Combined benefit with Specialist consultations / Tests and for cover of one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, physiotherapy, Speech and Language therapy. Note: there is a maximum of 10 sessions per person per group policy year for GP referred therapy. |
|
Comprehensive O/p Option - Unlimited
|
Unlimited, combined benefit with Specialist consultations / Tests and for cover of one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, physiotherapy, Speech and Language therapy. Note: there is a maximum of 10 sessions per person per group policy year for GP referred therapy. |
| Physiotherapy GP referred | |
|
Comprehensive O/p Option - £500 Comprehensive O/p Option - No
|
Up to £500 p.a. Combined benefit with Specialist consultations / Tests and for cover of one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, physiotherapy, Speech and Language therapy. Note: there is a maximum of 10 sessions per person per group policy year for GP referred therapy. |
|
Comprehensive O/p Option - £1000
|
Up to £1,000 p.a. Combined benefit with Specialist consultations / Tests and for cover of one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, physiotherapy, Speech and Language therapy. Note: there is a maximum of 10 sessions per person per group policy year for GP referred therapy. |
|
Comprehensive O/p Option - Unlimited
|
Unlimited, combined benefit with Specialist consultations / Tests and for cover of one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, physiotherapy, Speech and Language therapy. Note: there is a maximum of 10 sessions per person per group policy year for GP referred therapy. |
| Psychiatric cover | |
|
Cover level - Standard
|
Cover not available |
|
Cover level - Comprehensive
|
Up to £750 p.a. includes psychotherapy and psychiatric treatment. |
| Radiotherapy / Chemotherapy | |
|
Cover level - Standard
|
Cover not available |
|
Cover level - Comprehensive
|
Full refund |
| Scans - MRI / CT / PET | |
| Full refund for complex diagnostic scans (MRI, CT & PET scans at the request of a specialist and 1 MRI or CT scan arranged by your GP) | |
| Surgical Procedures | |
| Full refund of customary and reasonable fees for surgical procedure / diagnostic endoscopic procedure. | |
Key Facts - Additional Benefits | |
| NHS cash benefit | |
|
Cover level - Standard
|
Up to £4,500 p.a. (£100 per night/day for in/day-patient or out-patient diagnostic scans and procedures) |
|
Cover level - Comprehensive
|
Up to £4,500 (£100 per night/day for in/day-patient or out-patient diagnostic scans and procedures) Cancer Cover Up to ££30,000 (£100 per night/day for in/day-patient or out-patient diagnostic scans, procedures, pathology and radiotherapy/chemotherapy) |
| Nursing at home | |
|
Cover level - Standard
|
Cover not available |
|
Cover level - Comprehensive
|
Full refund (up to 4 weeks following in-patient treatment) |
| Parental accommodation | |
|
Cover level - Standard
|
Cover not available |
|
Cover level - Comprehensive
|
Full refund |
| Primary care | |
| Not covered | |
| Private ambulance | |
|
Cover level - Standard
|
Cover not available |
|
Cover level - Comprehensive
|
Full refund when required for medical reasons to go to, from or between hospitals for treatment which is covered by your Group Policy. |
Additional Benefits | |
| Alcohol & drug abuse | |
| Not covered | |
| Annual maximum limit | |
| No annual maximum | |
| Children covered | |
| Up to age 21 or 25 in FTE | |
| Chiropractors & Osteopaths | |
|
Comprehensive O/p Option - £500 Comprehensive O/p Option - No
|
Up to £500 p.a. Combined benefit with Specialist consultations / Tests and for cover of one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, physiotherapy, Speech and Language therapy. Note: there is a maximum of 10 sessions per person per group policy year for GP referred therapy. |
|
Comprehensive O/p Option - £1000
|
Up to £1,000 p.a. Combined benefit with Specialist consultations / Tests and for cover of one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, physiotherapy, Speech and Language therapy. Note: there is a maximum of 10 sessions per person per group policy year for GP referred therapy. |
|
Comprehensive O/p Option - Unlimited
|
Unlimited, combined benefit with Specialist consultations / Tests and for cover of one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, physiotherapy, Speech and Language therapy. Note: there is a maximum of 10 sessions per person per group policy year for GP referred therapy. |
| Dental treatment | |
|
Dental extras - No Cash extras - No
|
Cover not selected |
|
Cash extras - Yes
|
Cash benefits available up to the amounts shown (100% cashback) £150 for General dental treatment, benefit towards routine general dental treatment £150 for Optical, towards the cost of sight tests and glasses/contact lenses £100 for New baby, a cash benefit on the birth or adoption of a child (10 month qualifying period applies) £200 for Health screening – every 2 years, towards the cost of 1 health screen (e.g. well man or well woman check |
|
Dental extras - Yes
|
Dental extras £250 for General dental treatment (100% of costs) £1,000 for Dental emergencies (100% of costs up to £250 per episode, maximum 4 per year)* £20,000 for Dental injuries £10,000 for Oral cancer (restorative dental treatment only)* *14 day qualifying period applies |
| GP minor surgery | |
| Not covered | |
| GP Referred Chiropody, Podiatry or Homeopathy | |
|
Comprehensive O/p Option - £500 Comprehensive O/p Option - No
|
Up to £500 p.a. Combined benefit with Specialist consultations / Tests and for cover of one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, physiotherapy, Speech and Language therapy. Note: there is a maximum of 10 sessions per person per group policy year for GP referred therapy. |
|
Comprehensive O/p Option - £1000
|
Up to £1,000 p.a. Combined benefit with Specialist consultations / Tests and for cover of one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, physiotherapy, Speech and Language therapy. Note: there is a maximum of 10 sessions per person per group policy year for GP referred therapy. |
|
Comprehensive O/p Option - Unlimited
|
Unlimited, combined benefit with Specialist consultations / Tests and for cover of one or a combination of the following treatments: Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, physiotherapy, Speech and Language therapy. Note: there is a maximum of 10 sessions per person per group policy year for GP referred therapy. |
| Hospice care cash benefit | |
| Not covered | |
| Infertility investigations | |
| Not covered | |
| Maternity cash benefit | |
|
Cash extras - No
|
Cover not selected |
|
Cash extras - Yes
|
See Cash extras benefits |
| Optional cash benefit | |
|
Cash extras - No
|
Cover not selected |
|
Cash extras - Yes
|
Cash benefits available up to the amounts shown (100% cashback) £150 for General dental treatment, benefit towards routine general dental treatment £150 for Optical, towards the cost of sight tests and glasses/contact lenses £100 for New baby, a cash benefit on the birth or adoption of a child (10 month qualifying period applies) £200 for Health screening – every 2 years, towards the cost of 1 health screen (e.g. well man or well woman check |
| Out of pocket expenses | |
| Not covered | |
| Overseas cover | |
|
Emergency Worldwide Cover - No
|
Cover not selected |
|
Emergency Worldwide Cover - Yes
|
Emergency Worldwide Cover £500,000 for treatment for medical emergencies, Evacuation/repatriation by air ambulance when local medical facilities are inadequate. Up to 70 days per trip (35 days if outside the EU – see below *) * Trips outside the European Union are covered for bona fide business purposes only. Documentary evidence will be required to make a claim. The Emergency Worldwide Cover extra is not a substitute for a comprehensive travel insurance policy. It does not include destinations that are considered ‘at risk’ by the Foreign & Commonwealth Office (FCO) website. |
| Personal & total disability benefit | |
| Not covered | |
| Post hospital recovery bonus | |
| Not covered | |
| Pregnancy | |
| Not covered | |
| Stress counselling helpline | |
| Available via the Employee Assistance Programme (EAP) | |
| Transplants | |
| Not covered | |
| Insurer & Benefits: | Insurers, Featured Insurers |
|---|---|
| Find a broker: | Find a Broker |