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General and Medical - Business Healthcare - Module 2

Running a business is hard and at General & Medical we completely understand that, which is why we want to take the stress off your hands when it comes to your employees or members health.

With our Module 2 package your employees will get all the benefits of our Business Prime and Module 1 covers, as well as added bonuses such as Non UK medical cover.

Providing your employees or members with a great healthcare package is highly valued in the workplace and is a real business benefit. In the case of a personal accident that causes temporary disablement, our Module 2 health insurance provides cash benefits.

In addition, Module 2 provides cover for medical costs abroad and in serious cases we’ll even meet the medical costs of transportation back to the UK for urgent medical attention. As an extra, we’ll give them access to our Health and Wellbeing services, a 24 hour GP advice line and our exclusive Lifestyle Rewards, which offers a wide variety of discounts on luxury products, services and experiences.

For more information regarding our Module 2 health insurance then take a look at our Business Healthcare brochure.

Benefits

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Full refund (in accordance with General and Medical fee guidelines)
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full refund (in accordance with General and Medical fee guidelines)
Physicians fees & diagnostic tests
	Full refund (in accordance with General and Medical fee guidelines)
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Full refund (in accordance with General and Medical fee guidelines)
Psychiatric treatment
	Groups of up to 5 adults, cover is on a 50% co-share basis, to a maximum of £20,000 or 35 days treatment per membership year. For groups of 6 adults or more, full cover is given for up to £24,000 or 28 days followed by up to an additional 12 days on a 50% co-share basis. A 12 month qualifying period applies.
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
	£1,000 in any membership year (in accordance with General and Medical fee guidelines)
Diagnostic tests (excluding scans)
	Full refund
GP referred consultations
	Full refund
Physiotherapy consultant referred
	£1,000 in any membership year (in accordance with General and Medical fee guidelines)
Physiotherapy GP referred
	£1,000 in any membership year (in accordance with General and Medical fee guidelines)
Psychiatric cover
	£1,000 in any membership year (in accordance with General and Medical fee guidelines)
Radiotherapy / Chemotherapy
	Full refund (in accordance with General and Medical fee guidelines)
Scans - MRI / CT / PET
	Full refund
Surgical Procedures
	Not available
Key Facts - Additional Benefits
NHS cash benefit
	£250 per night per person (£7,500 maximum pa)
Nursing at home
	Full refund
Parental accommodation
	Full refund
Primary care
	No Cover for treatment given by a GP
Private ambulance
	Full refund
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	From 30 days after birth up to the age of 21 (or 25 if still in full time education)
Chiropractors & Osteopaths
	£1,000 in any membership year (in accordance with General and Medical fee guidelines)
Dental treatment
	Certain oral surgical procedures covered (but NOT routine dentistry)
GP minor surgery
	Not covered
GP Referred Chiropody, Podiatry or Homeopathy
	£1,000 in any membership year (in accordance with General and Medical fee guidelines)
Hospice care cash benefit
	Not covered
Infertility investigations
	Not covered
Maternity cash benefit
	£150
Optional cash benefit
	Not available
Out of pocket expenses
	Not covered
Overseas cover
	Additional cost option available through General & Medical
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	Not covered
Pregnancy
	Complications of Pregnancy In Full (defined conditions only)
Stress counselling helpline
	24 hour advice line
Transplants
	Not covered
Other benefits
	Monitoring of a pre-cured eligible condition £1,500 during a 24 month period
	Life Cash Benefit: £1,000 Critical Illness Cash Benefit: £1,000 Personal Accident Cash Benefit: £1,000 Temporary Disablement Cash Benefit: £100 per month for upto 6 months

Key Facts - In-patient & Day Case Charges

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

Full refund (in accordance with General and Medical fee guidelines)

Surgeon / Consultant / Specialist & Anaesthetists fees

Full refund (in accordance with General and Medical fee guidelines)

Physicians fees & diagnostic tests

Full refund (in accordance with General and Medical fee guidelines)

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Full refund (in accordance with General and Medical fee guidelines)

Psychiatric treatment

Groups of up to 5 adults, cover is on a 50% co-share basis, to a maximum of £20,000 or 35 days
treatment per membership year. For groups of 6 adults or more, full cover is given for up to £24,000 or 28 days followed by up to an additional 12 days on a 50% co-share basis. A 12 month qualifying period applies.

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

£1,000 in any membership year (in accordance with General and Medical fee guidelines)

Diagnostic tests (excluding scans)

Full refund

GP referred consultations

Full refund

Physiotherapy consultant referred

£1,000 in any membership year (in accordance with General and Medical fee guidelines)

Physiotherapy GP referred

£1,000 in any membership year (in accordance with General and Medical fee guidelines)

Psychiatric cover

£1,000 in any membership year (in accordance with General and Medical fee guidelines)

Radiotherapy / Chemotherapy

Full refund (in accordance with General and Medical fee guidelines)

Scans - MRI / CT / PET

Full refund

Surgical Procedures

Not available

Key Facts - Additional Benefits

NHS cash benefit

£250 per night per person (£7,500 maximum pa)

Nursing at home

Full refund

Parental accommodation

Full refund

Primary care

No Cover for treatment given by a GP

Private ambulance

Full refund

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

From 30 days after birth up to the age of 21 (or 25 if still in full time education)

Chiropractors & Osteopaths

£1,000 in any membership year (in accordance with General and Medical fee guidelines)

Dental treatment

Certain oral surgical procedures covered (but NOT routine dentistry)

GP minor surgery

Not covered

GP Referred Chiropody, Podiatry or Homeopathy

£1,000 in any membership year (in accordance with General and Medical fee guidelines)

Hospice care cash benefit

Not covered

Infertility investigations

Not covered

Maternity cash benefit

£150

Optional cash benefit

Not available

Out of pocket expenses

Not covered

Overseas cover

Additional cost option available through General & Medical

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Not covered

Pregnancy

Complications of Pregnancy In Full (defined conditions only)

Stress counselling helpline

24 hour advice line

Transplants

Not covered

Other benefits

Monitoring of a pre-cured eligible condition £1,500 during a 24 month period

Life Cash Benefit: £1,000
Critical Illness Cash Benefit: £1,000
Personal Accident Cash Benefit: £1,000
Temporary Disablement Cash Benefit: £100 per month for upto 6 months


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