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.

By choosing the 6 week option, you will benefit from a reduction in your premium.

If your Specialist recommends that you need to undergo either in-patient or day-patient treatment or an out-patient surgical procedure and that treatment is available to you, on the National Health Service (NHS) within 6 weeks of when it should be undertaken, then you would be unable to claim against your policy.

If however you would have to wait more than six weeks on the NHS waiting list, you would be able to make a claim for private patient treatment, subject to policy terms. By choosing the 6 week option, there would be no benefit for urgent or emergency treatment.

In addition to the benefits available under Essential Cover, Essential Extra provides cover for two out-patient consultations with a Specialist per person, per policy year. Essential Extra also provides cover for eligible out-patient diagnostic tests on Specialist referral.

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.

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

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.

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.

Please note, you are unable to include this Option is you have selected Essential Extra

This provides cover for the other costs associated with healthcare insurance including hospital at home, NHS cash benefit, 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.

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.

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.

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 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 Extended Cancer Cover option is chosen, members will instead have up to 36 months cover.

Please note, you only able to include this Option is you have selected Option 2