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General and Medical - Business Healthcare - Business Elite

If you’re looking for a higher level of cover for your employees or members then our Business Elite package can do just that.

Business Elite includes all the benefits of our Module 2 plus cover for routine dental services, optical services, private GP services, a higher limit of palliative care for cancer patients and prescription costs.

Our Business Elite cover is a popular choice across companies where a higher level of cover is required for senior staff. Not only will we look after your employees or members health but our Business Elite will also cover maternity services and boarding beloved pets too.

When you have corporate health insurance, your employees or members will benefit from fast diagnosis, immediate access to consultants and the highest quality of treatments. From a business point of view they will be treated promptly allowing them to return to work sooner.

Members will also receive access to a 24 hour GP advice line, our Health and Wellbeing services and our exclusive Lifestyle Rewards, which features a range of discounts on luxury products, services and experiences.

For more information regarding our Business Elite 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
	£1,500
Diagnostic tests (excluding scans)
	Full refund
GP referred consultations
	Full refund
Physiotherapy consultant referred
	£1,500
Physiotherapy GP referred
	£1,500
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
	£1,500
Dental treatment
	Routine Consultations & Treatment, including Emergency Accident/Injury Benefit £400 NHS Charges £200
	Certain oral surgical procedures covered (but NOT routine dentistry)
GP minor surgery
	£500 per year
GP Referred Chiropody, Podiatry or Homeopathy
	£1,500
Hospice care cash benefit
	Not covered
Infertility investigations
	Not covered
Maternity cash benefit
	£250
Optional cash benefit
	Consultations & Eye Tests £200 NHS Charges £200
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 Cover for Boarding pets Cash Benefit: £250

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

£1,500

Diagnostic tests (excluding scans)

Full refund

GP referred consultations

Full refund

Physiotherapy consultant referred

£1,500

Physiotherapy GP referred

£1,500

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

£1,500

Dental treatment

Routine Consultations & Treatment, including Emergency Accident/Injury Benefit £400
NHS Charges £200

Certain oral surgical procedures covered (but NOT routine dentistry)

GP minor surgery

£500 per year

GP Referred Chiropody, Podiatry or Homeopathy

£1,500

Hospice care cash benefit

Not covered

Infertility investigations

Not covered

Maternity cash benefit

£250

Optional cash benefit

Consultations & Eye Tests £200
NHS Charges £200

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
Cover for Boarding pets Cash Benefit: £250


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