Health for You

Inpatient or day patient

This 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
• Road ambulance transport which is medically necessary to transport you to another medical facility for your inpatient or day-patient treatment

Outpatient 

This includes:

• No yearly limit for specialist referred surgery

Other benefits

There are some additional benefits to our Core Cover including:

• 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 inpatient treatment under the NHS. Receive £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
• Working Body: if you experiences muscle, bone or joint pain, you can speak to a physiotherapist over the phone without the need to see a GP first. The physiotherapist will listen to their concerns and advise the most appropriate treatment for them. Please note: to use this service members will need to be aged 18 or over

You can choose ONE level of Cancer Cover to include on your policy as standard:

Comprehensive Cancer Cover

This is our complete Cancer Cover offering you the highest 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 outpatient
• Experimental drug treatment, as long as you are a participant in an ethically approved trial

Note: As with all private healthcare plans, your eligibility for cover depends on your medical history.

or

NHS Cancer Support

If you want to reduce your premium, or are ineligible for Comprehensive Cancer Cover because of your medical history, this option will support you through the NHS for your treatment or pay for the costs of treatment yourself.

Please note: This option will cover you for licensed cancer drugs which may not be available on the NHS.

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

Standard Outpatient 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, speech therapists and audiologists) 
• CT, MRI or PET scans if referred by a specialist

or

Full Outpatient 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

This option adds treatment for therapies such as Physiotherapy. This includes:

• Up to £500 cover, for up to 10 sessions with a physiotherapist, acupuncturist, homeopath, osteopath or chiropractor

• Treatment on GP referral or through our Working Body team. Further sessions are available on specialist referral and if agreed by us

Get seen quicker with access to a Private GP with this option. This includes:

• Up to five online consultations a year with a Doctor@Hand GP
• Up to £500 cover for consultations with a private GP

This option extends your cover for mental health treatment. This includes:

Inpatient 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

Outpatient cover

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

Adds cover for treatment you receive from your dentist and optician. This includes:

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

With our travel option you can add cover for medical expenses while abroad.

These options will also cover for travel related hassles, like problems with baggage, delays and lost passports.

There’s no limit on the number of times you can travel in a year as long as the number of days you’re away is within the limit on the length of trip. This is 25 days per trip for European Travel cover and 65 days per trip for Worldwide Travel cover. Our Travel Cover Option benefits also include; personal accident cover, cover for on piste winter sports and emergency dental treatment and business travel on our worldwide plan.

Adventure sports upgrade

If you’re a born thrill seeker, you can upgrade your travel cover to include cover for adventure sports.

As well as giving you the chance to take some sports even further, this option also adds cover for activities such as bungee jumping and paragliding.

There are three main ways to lower your policy's premium. Our policies are flexible enough so you can keep the costs down without cutting the cover you receive too much.

Select Six Week Safety Net

This is a great way to save on the premium yet still avoid long NHS waiting times.

The Six Week Safety Net means if treatment – any inpatient, day-patient, surgical procedure and outpatient radiotherapy and chemotherapy – is available on the NHS within six weeks from the date it should take place, then your employees will use the NHS.

However, if the wait for treatment is longer than six weeks, then they can contact us to arrange for private treatment.

and

Change your Excess levels

You have the option of including an excess to reduce your premium. The excess options are: No excess, £100, £250, £500, £1,000, £2,500, and £5,000.

As an example, if you choose to add an excess of £100, you will pay the first £100 of eligible claims – but only once per plan year – for each person covered.

and

Pay annually

You will receive a 5% discount if opt to pay for your cover annually, as opposed to monthly.