health-on-line.co.uk - Health insurance the easy way

Step 2 > Additional options

Private health insurance plan - Health-on-Line

Personalising your private health insurance plan is easy. To make your health insurance selection easier, if you choose to include two of Health-on-Line's healthcare options, we'll include the third one for free.

Build your private health insurance plan with the following options

Simply select from the following options to find out more

Essential Cover	Option 1 Standard - Out-patient cover Option 2 Comprehensive - Out-patient cover	Option 3 Therapies Option 4 Psychiatric Option 5 Ancillary benefits	Option 7 Dental/ Optical Option 8 Travel Option 9 Cancer Upgrade
Option 6 - Optional Excesses

Private health insurance: 'Essential Cover'

In your private health insurance plan, 'Essential Cover' from Health-on-line provides cover for private in-patient and day-patient treatment at a hospital listed in our Directory of Hospitals.

Essential cover in our private health insurance plans also covers associated specialists' charges, outpatient surgical procedures, radiotherapy and chemotherapy.

In addition specialist supervised computerised tomography (CT), magnetic resonance imaging (MRI) and positron emission tomography (PET) are paid in full at a scanning centre that is listed in the Directory of Hospitals. An out of directory scanning cash benefit of £50 is available for scanning centres that are not listed on the Directory of Hospitals.

Option 1 - Standard - Out-patient cover

This option meets the costs of outpatient specialist consultations diagnostic tests on specialist referral and clinical practitioner charges up to a maximum of £1000 a year.

Option 2 - Comprehensive - Out-patient cover

This option meets the costs of outpatient specialist consultations diagnostic tests on specialist referral and clinical practitioner charges on a full refund basis.

Option 3 - Therapies

This option provides benefit for complementary practitioner charges and physiotherapist charges. These two benefits have a combined overall annual limit of £1000. Within the above limit, benefit is available for up to 10 sessions of treatment a year for GP referred physiotherapy and/or complementary practitioner treatment.

Any further physiotherapy and/or complementary practitioner treatment must be under the control of the specialist.

Option 4 - Psychiatric

This option provides cover for eligible in-patient and day-patient psychiatric treatment on a full refund basis at a private hospital or day-patient unit listed in the Directory of Hospitals.

In addition, this option will provide cover for eligible outpatient psychiatric specialist consultations and clinical practitioners' charges for psychiatric treatment.

Option 5 - Ancillary benefits

This provides cover for the other costs associated with healthcare insurance including hospital at home, NHS cash benefit, a specific list of pregnancy complications, oral surgery and chiropody.

Reference must be made to the Personal Choice Member Handbook for a full list of the benefits that are available under this option and the terms and conditions applicable.

Option 6 - Optional Excesses

By selecting an Optional Excess, this will result in you assuming responsibility for the first excess amount of any eligible claims made at a future date. The optional excesses that are available from 1st April 2008 are:

£100 excess = 10% to a maximum of £85 discount

£250 excess = 20% to a maximum of £213 discount

£500 excess = 30% to a maximum of £425 discount

You need to be aware that the Optional Excess is applied per person, per policy year and is in addition to the £100 compulsory excess that applies to your policy.

Option 7 - Dental/Optical

This option provides cover for (a) 80% of the costs of eligible dental care up to a maximum of £150 each year and (b) 80% of the cost up to a maximum of £250 every two years for prescribed spectacles and contact lenses needed to correct vision. This option also provides £15 of cover towards the cost of eye tests in each policy year.

Option 8 - Travel

This option provides you and your family members with cover towards the cost of emergency medical treatment abroad. The travel option has the major benefits of other travel insurance policies such as medical costs, additional expenses and delayed departure. Reference must be made to the Travel Membership Handbook which details the full terms and conditions applicable to this option.

Option 9 - Cancer Upgrade

Option 2 of the policy includes cover for the out-patient investigation and treatment of cancer which arises after the start of the policy. This includes radiotherapy or chemotherapy, alone or in combination. In addition to the traditional cancer treatment covered by the plan, members will also have up to 12 months cover, subject to the policy terms and conditions, for licensed chemotherapy drug treatments (such as Herceptin and Avastin) which may be needed for a prolonged period of time.

If the Cancer Upgrade option is chosen, members will instead have up to 36 months cover.