There are some additional benefits to our Core Cover, listed below:
You can choose ONE level of Cancer Cover to include on your policy as standard:
This option gives you the widest level of cover under the inSpire Health Plan. This cover includes:
Note: As with all private healthcare plans, your eligibility for cover depends on your medical history.
If you want to reduce your subscription or are unable are ineligible for Comprehensive Cancer Cover because of your medical history, this option will support you through the NHS for your treatment.
If you have NHS cancer support we will not pay for the treatment of cancer. You’ll need to use the NHS, or pay for the costs of treatment yourself.
Please note: This option does 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.
This option adds treatment for therapies such as Physiotherapy. This includes:
Treatment on GP referral or through our Working Body team. Further sessions are available on specialist referral and if agreed by us
This option extends your cover for mental health treatment.
Adds cover for treatment you receive from your dentist and optician.
With our travel cover 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.
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.
If you’re happy to use the NHS but worry about possibly having to wait a long time for treatment, inSpire Health Plan 6 could be the choice for you.
If inpatient treatment, day-patient treatment, cancer treatment or any surgical procedure is available on the NHS within six weeks of when it should take place, you will have treatment on the NHS. If the wait is longer than six weeks, your inSpire Health Plan 6 will apply, and you’ll be able to go private straightaway.
Outpatient consultations, diagnostic tests that don’t involve surgery and CT, MRI and PET scans are not affected by the six week rule.
You have the option of including an excess on your plan to reduce your premium. The excess options are: No excess, £100, £250, £500, or £1,000 (not available with standard outpatient option).
As an example, if you choose to add an excess of £100, your members will pay the first £100 of eligible claims – but only once per plan year – for each person covered.
You will receive a 5% discount if you opt to pay for your cover annually, as opposed to monthly.