Home > Simplyhealth (Formerly known as Groupama Healthcare) - Carte Blanche

Simplyhealth (Formerly known as Groupama Healthcare) - Carte Blanche

Closed to new business customers

Carte Blanche is a private medical insurance plan that covers the cost of private medical treatment needed as a result of an unexpected acute illness or injury. The terms, conditions and exclusions contained in the policy booklet apply to the cover.

Carte Blanche offers a full refund for all inpatient and outpatient treatment, a cash benefit for NHS care, private ambulance and cover for certain pregnancy complications. In addition Carte Blanche offers cover for routine optical and dental treatment and private maternity. There are also options to add worldwide travel insurance, an employee assistance programme and access to a select number of private GP clinics in Central London.

There is also a choice of three hospital bands (A, B and C) and a range of excess and co-insurance options.

Benefits

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Full refund (within Groupama's fee schedule limits)
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full refund (within Groupama's fee schedule limits)
Physicians fees & diagnostic tests
	Full refund
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Full refund
Psychiatric treatment
	Up to 35 days for in-patient psychiatric pa
Key Facts - Out-patient Charges
Complementary medicine
	Up to £600 for complementary therapies not otherwise covered. Therapies are collectively subject to a maximum of 12 sessions – no referral by GP required
Diagnostic tests (excluding scans)
	Full refund
GP referred consultations
	Full refund
Physiotherapy consultant referred
	Full refund for complementary therapies not otherwise covered. Therapies are collectively subject to a maximum of 12 sessions – no referral by GP required
Physiotherapy GP referred
	Full refund for complementary therapies not otherwise covered. Therapies are collectively subject to a maximum of 12 sessions – no referral by GP required
Psychiatric cover
	£1,500 per person (pa)
Radiotherapy / Chemotherapy
	Full refund
Scans - MRI / CT / PET
	Full refund
Surgical Procedures
	Full refund
Key Facts - Additional Benefits
NHS cash benefit
	£200 per night (all bands) - maximum 28 days pa
Nursing at home
	Full cover (up to 13 weeks per policy year)
Parental accommodation
	Child under 16 - All bands £80 per night
Primary care
	Minor surgery - £100 per procedure, Consultations - £600 and Prescriptions - £300 £25 per item towards cost of GP completing claim forms and medical reports
Private ambulance
	Full refund
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	None
Children covered
	Up to age 25 and unmarried
Chiropractors & Osteopaths
	Full refund for Acupuncture, Chiropractic, Homeopathy, Osteopathy and Podiatry (no GP referral required)
Dental treatment
	£1,000 for routine dentistry - including check up's fillings, crowns etc. (Oral surgery covered under in-patient treatment)
GP minor surgery
	Up to £100 per procedure
GP Referred Chiropody, Podiatry or Homeopathy
	Full refund up to 12 sessions
Hospice care cash benefit
	Not covered
Infertility investigations
	Not covered
Maternity cash benefit
	£700 per child. Plus £4,000 towards the cost of private maternity for normal delivery
Optional cash benefit
	Not available
Out of pocket expenses
	Not covered
Overseas cover
	Optional Extra: World-wide travel cover includes emergency repatriation, personal liability, lost luggage, personal cash, delayed departure/cancelled departure. Level 1, Level 2, Level 3 cover options to choose from
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	£5 per night with a maximum of £50 per stay
Pregnancy
	Cover for specified abnormalities of pregnancy and childbirth £4,000 towards private maternity costs for "normal" pregnancy (this is not a cash benefit)
Stress counselling helpline
	Telephone counselling, unlimited calls
Transplants
	Covered for bone marrow and stem cell transplants as part of our cancer cover
Other benefits
	* Up to £300 towards outpatient prescriptions * Up to £200 towards the cost of routine eye tests, contact lenses and spectacles * £25 GP payment for completing claim forms or provision of medical reports * £250 for post-care check-ups for chronic conditions * £5 per night towards personal expenses up to £50

Key Facts - In-patient & Day Case Charges

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

Full refund (within Groupama's fee schedule limits)

Surgeon / Consultant / Specialist & Anaesthetists fees

Full refund (within Groupama's fee schedule limits)

Physicians fees & diagnostic tests

Full refund

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Full refund

Psychiatric treatment

Up to 35 days for in-patient psychiatric pa

Key Facts - Out-patient Charges

Complementary medicine

Up to £600 for complementary therapies not otherwise covered. Therapies are collectively subject to a maximum of 12 sessions – no referral by GP required

Diagnostic tests (excluding scans)

Full refund

GP referred consultations

Full refund

Physiotherapy consultant referred

Full refund for complementary therapies not otherwise covered. Therapies are collectively subject to a maximum of 12 sessions – no referral by GP required

Physiotherapy GP referred

Full refund for complementary therapies not otherwise covered. Therapies are collectively subject to a maximum of 12 sessions – no referral by GP required

Psychiatric cover

£1,500 per person (pa)

Radiotherapy / Chemotherapy

Full refund

Scans - MRI / CT / PET

Full refund

Surgical Procedures

Full refund

Key Facts - Additional Benefits

NHS cash benefit

£200 per night (all bands) - maximum 28 days pa

Nursing at home

Full cover (up to 13 weeks per policy year)

Parental accommodation

Child under 16 - All bands £80 per night

Primary care

Minor surgery - £100 per procedure,
Consultations - £600 and
Prescriptions - £300
£25 per item towards cost of GP completing claim forms and medical reports

Private ambulance

Full refund

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

None

Children covered

Up to age 25 and unmarried

Chiropractors & Osteopaths

Full refund for Acupuncture, Chiropractic, Homeopathy, Osteopathy and Podiatry (no GP referral required)

Dental treatment

£1,000 for routine dentistry - including check up's fillings, crowns etc. (Oral surgery covered under in-patient treatment)

GP minor surgery

Up to £100 per procedure

GP Referred Chiropody, Podiatry or Homeopathy

Full refund up to 12 sessions

Hospice care cash benefit

Not covered

Infertility investigations

Not covered

Maternity cash benefit

£700 per child. Plus £4,000 towards the cost of private maternity for normal delivery

Optional cash benefit

Not available

Out of pocket expenses

Not covered

Overseas cover

Optional Extra: World-wide travel cover includes emergency repatriation, personal liability, lost luggage, personal cash, delayed departure/cancelled departure. Level 1, Level 2, Level 3 cover options to choose from

Personal & total disability benefit

Not covered

Post hospital recovery bonus

£5 per night with a maximum of £50 per stay

Pregnancy

Cover for specified abnormalities of pregnancy and childbirth
£4,000 towards private maternity costs for "normal" pregnancy (this is not a cash benefit)

Stress counselling helpline

Telephone counselling, unlimited calls

Transplants

Covered for bone marrow and stem cell transplants as part of our cancer cover

Other benefits

* Up to £300 towards outpatient prescriptions
* Up to £200 towards the cost of routine eye tests, contact lenses and spectacles
* £25 GP payment for completing claim forms or provision of medical reports
* £250 for post-care check-ups for chronic conditions
* £5 per night towards personal expenses up to £50


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