From being able to see a Dr whenever you want or wherever you are all the way to physiotherapy and cover for your childrens, our private health cover really does go the extra mile. Ask about our enhanced cancer care cover.
Although it is something we hope we never need, it is comforting to know its there if we need it.
With the NHS under immense pressure since the COVID-19 pandemic and nurses leaving and general staff shortages it makes perfect sense now more than ever to safeguard yourself and your family. With some children appointments taking 12 months before a relevant professional can see them it really does make sense to be able to choose the hospital, specialist and a time that you can see them.
What is private Health Insurance?
Private health insurance covers you for all the benefits of private healthcare without the worry of how to pay for your treatment. You pay regular premiums, and if covered under your plan your treatment will be covered.
Private health insurance gives you access to eligible health treatment when you need it. From seeing a specialist for diagnosis (when you have an outpatient option) to having a comfortable private hospital stay, we’re there to look after your health and wellbeing.
The Benefits of Private Health Insurance
When life throws you an unexpected challenge, fast diagnosis and treatment are what matter most, along with genuine help, support and understanding from people who care.
So here’s a summary of everything that comes with Personal Health, your private medical insurance plan, for new medical conditions after you join.
CONVENIENCE
Access to diagnostics to establish what might be wrong with our Fast Track Appointments service (when you choose an out-patient option)
Choice
Your choice of hospital (from our Directory of Hospitals), specialist and appointment time
Access
Access the latest clinically recognised and eligible treatment and drugs (subject to medical history and cover options chosen. Out-patient drugs are not covered by this plan)
Benefits for you and your family
Unlimited online, video or telephone consultations with doctor at Hand our online GP service (powered by Doctor Care Anywhere. Subject to availability and DCA fair use policy)
Get 24/7 health information with our Health at Hand and online health centres
Our best ever no claims discount rewarding you when you don’t make a claim
Hospital accommodation for one parent, and up to £100 a night towards a hotel (up to £500 a year), while a child under 16 is receiving eligible treatment
Surgery to correct prominent ears for a child under 14
Six sessions of speech therapy for a child under 14 resulting from a delay in their development
Free cover on your plan for new-borns until
your renewal date (restrictions may apply)
Benefits for your stays in hospital
Cover for diagnostic surgery, CT, MRI and PET scans (at a hospital from our Directory of Hospitals)
We’ll pay full in-patient and day-patient hospital fees (on specialist referral), including operating-theatre costs, nursing care, drugs and dressings, specialist fees, consultations, diagnostic tests, subsequent CT, MRI and PET scans and physiotherapy. Just use a hospital from our Directory of Hospitals)
A cash payment of £50 a night up to £2,000 a year when you have in-patient treatment free on the NHS
No yearly limit on out-patient surgery
Second Opinion Service available when an Out-patient option is selected
BENEFITS FOR CANCER PATIENTS
Heart and cancer cover and care, including access to the latest approved cancer drugs and eligible treatment – even licenced drugs not routinely available on the NHS (subject to medical history and cover options chosen. Out-patient drugs are not covered by this plan)
Specialist consultations with the same specialist who’s treating your cancer when you’re an out-patient (with an out-patient option)
Chemotherapy and radiotherapy treatment
External prostheses (limbs), up to £5,000 a year, and wigs up to £400 a year – when you’re having treatment to remove cancer cells
Telephone support from our Dedicated Nurse Helplines where you can speak to nurses experienced in managing heart and cancer conditions
Lets do our bit to ease the burden off the NHS and to get you the access to the healthcare you deserve.
Fill in the form to arrange a call back from one of our advisors.
FAQ
How does health insurance work?
Private health insurance covers you for all the benefits of private healthcare
without the worry of how to pay for your treatment. You pay regular
premiums, and if covered under your plan your treatment will be covered.
We offer different levels of cover to choose from. Our cheaper plans have less cover and our best
plans offer the most comprehensive cover available. For example if you want to be covered for
consultations with a specialist, you’ll need to select the outpatient option. Our members can
choose a private hospital from our Directory of Hospitals at a time and place convenient to them.
This means they can put all their energy into getting better, knowing the rest is taken care of.
What types of health insurance policies are available?
We offer different types of health insurance to suit your needs:
- Individual health insurance
- Joint health insurance
- Family health insurance
- Child health insurance
- Small business health insurance
- Corporate health insurance
Will I need an excess on my health insurance policy?
Agreeing an excess when you take out your plan is a good way to make your premiums cheaper. When you call us to make a claim we’ll tell you whether there’s an excess on your plan.
When we receive an invoice for your treatment we’ll reduce the amount we’ll pay by your excess. You’ll only have to pay your excess once in each membership year and not if you have more treatment throughout the year. The excess is per member, per membership plan.
We’ll let you know how to pay your excess when we send you a statement following a consultation or treatment.
What are pre-existing conditions?
Insurance is designed to cover new and unforeseen risks. Therefore, most private medical insurance doesn’t cover treatment for conditions you’re already suffering from until after a specified treatment free period. These are known as pre-existing conditions.
Are pre-existing conditions covered under health insurance?
Pre-existing conditions are not normally covered under health insurance. Your cover for pre-existing conditions will depend on your underwriting terms when you join us. You can discuss this with one of our advisors before you purchase a plan.
Who can provide my treatment?
Your treatment must be with one of our approved medical practitioners. You must also use one of our approved private hospitals. Which approved practitioner and private hospital you can use will depend on your level of cover – a cheaper plan may not provide all the treatment you require. If you wish to use a medical practitioner or hospital that is not approved by your level of cover you may incur additional costs. We can discuss this with you when you come to claim.
FAQ’s
Private health insurance covers you for all the benefits of private healthcare without the worry of how to pay for your treatment. You pay regular premiums, and if covered under your plan your treatment will be covered.
We offer different levels of cover to choose from. Our cheaper plans have less cover and our best plans offer the most comprehensive cover available. For example if you want to be covered for consultations with a specialist, you’ll need to select the outpatient option. Our members can choose a private hospital from our Directory of Hospitals at a time and place convenient to them. This means they can put all their energy into getting better, knowing the rest is taken care of.
We offer different types of health insurance to suit your needs:
- Individual health insurance
- Joint health insurance
- Family health insurance
- Child health insurance
- Small business health insurance
- Corporate health insurance
Agreeing an excess when you take out your plan is a good way to make your premiums cheaper. When you call us to make a claim we’ll tell you whether there’s an excess on your plan.
When we receive an invoice for your treatment we’ll reduce the amount we’ll pay by your excess. You’ll only have to pay your excess once in each membership year and not if you have more treatment throughout the year. The excess is per member, per membership plan.
We’ll let you know how to pay your excess when we send you a statement following a consultation or treatment.
Insurance is designed to cover new and unforeseen risks. Therefore, most private medical insurance doesn’t cover treatment for conditions you’re already suffering from until after a specified treatment free period. These are known as pre-existing conditions.
Pre-existing conditions are not normally covered under health insurance. Your cover for pre-existing conditions will depend on your underwriting terms when you join us. You can discuss this with one of our advisors before you purchase a plan.
Your treatment must be with one of our approved medical practitioners. You must also use one of our approved private hospitals. Which approved practitioner and private hospital you can use will depend on your level of cover – a cheaper plan may not provide all the treatment you require. If you wish to use a medical practitioner or hospital that is not approved by your level of cover you may incur additional costs. We can discuss this with you when you come to claim.
