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Three levels of cover – choose the one that’s right for you
You can choose from three levels of cover, depending on what you can afford and what worries you most.
Heart and Cancer Cover
Primary Cover
Comprehensive Cover
Compare our Health Cover Plans in detail below
| Inpatient | Comprehensive | Primary | Heart and Cancer |
|---|---|---|---|
| Hospital charges
Consists of accommodation, meals, drugs and surgical dressings, nursing care, operating theatre, intensive and high dependency care, prostheses used during an operation, in-patient physiotherapy |  | | Cover in full for treatment related to a confirmed heart condition or cancer |
| Specialist/consultant fees
Includes, but not limited to, surgeons, anaesthetist and physician fees | | | Cover in full for treatment related to a confirmed diagnosis of heart condition or cancer |
| Diagnostic tests
Consists of pathology, X-rays, CT scans, MRI scans, PET scans and physiological tests such as an ECG | | | Cover in full for treatment related to a confirmed diagnosis of heart condition or cancer |
| Radiotherapy chemotherapy | | | |
| Psychiatric treatment | Combined psychiatric limit of £20,000 per policy year | Combined psychiatric limit of £7,000 per policy year |  |
| OUTPATIENT | Comprehensive | Primary | Heart and Cancer |
|---|---|---|---|
| Specialist consultations | | Combined limit of £750 per policy year1 | Cover in full for treatment related to a confirmed diagnosis of heart condition or cancer |
| Diagnostic tests (scans, MRI, CT, PET) | | | Cover in full for treatment related to a confirmed diagnosis of heart condition or cancer |
| Diagnostic tests (other) | | | Cover in full for treatment related to a confirmed diagnosis of heart condition or cancer |
| Physiotherapy | | Combined limit of £750 per policy year1 | Cover for treatment related to a confirmed diagnosis of heart condition or cancer. A limit of £250 per person per policy year |
| Chiropractors and osteopaths | Limit of £800 per policy year | Combined limit of £750 per policy year1 | |
| Radio/chemotherapy | | | |
| Psychiatric treatment | Combined psychiatric limit of £20,000 per policy year | Sub limit of £750 to an overall combined psychiatric limit of £7,000 per policy year | |
| OTHER BENEFITS | Comprehensive | Primary | Heart and Cancer |
|---|---|---|---|
| Complementary and alternative medicines | Limit of £600 per policy year | | |
| Maternity cash benefit | £100 per child | £100 per child | |
| Home nursing | | £3,000 limit per policy year | £3,000 per policy year in lieu of hospital admission for heart or cancer |
| Private ambulance | | £60 per trip | Unlimited for medically necessary transfers following a heart or cancer admission |
| Complementary and alternative medicines | Yes (for children of 12 or under, 1 parent) | Yes (for children of 12 or under, 1 parent) | Yes (children under 12, 1 parent) where child treated for heart or cancer |
| NHS hospital cash benefit | £100 per day, overall annual limit of £2,000 | £50 per day (overall annual limit of £2,000) | £50 per day (overall annual limit of £2,000) |
in the summary of benefits means you are covered and we will pay for the treatment at hospitals on your selected hospital list where charges are within our fee maxima for the services provided.
1The combined limit means claims for specialist consultations, diagnostic tests, physiotherapy, chiropractic and osteopathy all aggregate to one limit for each member on the policy.
“Diagnostic scans” include CT, MRI and PET scans. These must be following consultant referral only and also within the member’s selected hospital list. A co-payment of 40% of the tariff will apply for scans undertaken outside of member’s selected hospital list.
“Other diagnostic tests” include pathology, X-rays and physiological tests such as an ECG. For physiotherapy, chiropractic and osteopathy, cover will only apply up to the number of authorised sessions.
For a full list of what each level covers and what it doesn’t, please see the Health Cover policy summary and policy document, within the plan provisions.
