Our Health for You Policy

In-patient or day patient

Our Core Cover includes:

• Private hospital and day-patient unit fees as long as you use a location specified in Our Hospital List.
• No yearly limit on specialist fees as long as you use a Health For You specialist.
• Accommodation for one parent paid in full while a child (under 16) who is covered by the policy is in hospital.
• Ambulance transport which is medically necessary for treatment.

Out-patient

Our Core Cover includes:

• No yearly limit for surgery.

Additional Benefits

There are some additional benefits to our Core Cover, listed below:

• Health at Hand – our 24/7 Dedicated helpline, open 365 days a year, giving you direct telephone access to our healthcare experts for you and your family.
• Cash payments - when you have free in-patient treatment under the NHS. Recieve £50 a night up to £2,000 a year.
• Oral surgery - Paid in full as long as you use a facility that we have an agreement with covering oral surgery.
• Two levels of cancer cover to choose between - either Comprehensive Cancer Cover or NHS Cancer Support.

Health For You comes with two levels of Cancer Cover for you to choose from:

Comprehensive Cancer Cover

This is our premium Cancer Cover option offering you the widest level of cover on the Health For You policy. This cover includes:

• Radiotherapy and chemotherapy.
• Surgery.
• No time limit on cover for specialist cancer drugs, such as biological therapies (including Herceptin and Avastin) as long as they are used within the terms of their license.
• Specialist consultations with the specialist treating your cancer when you are an out-patient.
• Experimental drug treatment, as long as you are a participant in an ethically approved trial.

NHS Cancer Support

If you select to takeout the NHS Cancer Support option, this lowers your policy premium, but means that we will not pay for the treatment of cancer – instead you will need to use the NHS, or pay for the costs of treatment yourself.

Please note, if you’re having cancer treatment on the NHS, there’s cover for licensed cancer drugs which the NHS will not pay for.

If you would like to top up the amount of out-patient cover that you have within our Core Cover, you have the option to select from two additional out-patient options – either our Standard out-patient option, or our Full out-patient option.

Standard out-patient Option

• Up to three Specialist consultations per year.
• No yearly limit on diagnostic tests when your specialist refers you.
• No yearly limit for practitioner fees (dieticians, nurses, orthoptists and speech therapists) when your specialist refers you.
• CT, MRI or PET scans if referred by a specialist.

Full out-patient Option

• No yearly limit for specialist consultations, diagnostic tests & practitioner fees when your specialist refers you.
• CT, MRI or PET scans if referred by a specialist.

As well as the Core Cover, Cancer Options and Out-patient options available, you can also select to add on additional options to provide in-depth cover for the following areas:

Therapies Option

• £500 limit, for up to 10 sessions per year for GP and further specialist referred treatment or through our Working Body team, of the following elements: Physiotherapy, Acupuncture, Homeopathy, Osteopathy and Chiropractic treatment.

Private GP Cover Option

• Cover includes up to five consultations a year with a Doctor@Hand GP, as well as a £500 limit for consultations with a private GP.

Mental Health Option

In-patient or day-patient cover:

• Private hospital and day-patient unit fees for psychiatric treatment paid in full up to 30 days a year.
• No yearly limit on specialist fees for psychiatric treatment.

Out-patient cover:

• A combined limit of £1,000 a year for out-patient psychiatric specialist consultations and if your specialist refers you, psychologist and cognitive behavioural therapist charges.

Dentist and Optician Cashback Option

• 80% of your dentist’s fees, up to £400 a year.
• 80% of the cost of prescribed glasses and contact lenses, up to £200 a year.
• Up to £25 a year for an eye test.

European and Worldwide Travel Cover Option

AXA PPP healthcare’s European and Worldwide Travel Cover policy will be applied with this option. This provides cover towards the cost of emergency medical treatment abroad.