There are some additional benefits to our Core Cover including:
Plus, if you have children aged 14 or under included on your plan, you are entitled to extra cover for them – including speech therapy, laser treatment, surgery to correct prominent ears, and telephone support.
You can choose ONE level of Cancer Cover to include on your policy as standard:
This is our complete Cancer Cover offering you the highest level of cover on the Personal 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 ineligible for Comprehensive Cancer Cover because of your medical history, this option will support you through the NHS for your treatment
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.
This option adds treatment for therapies such as Physiotherapy. This includes:
This option extends your cover for mental health treatment. This includes:
Adds cover for treatment you receive from your dentist and optician.
Reduce the cost of your cover by letting our Fast Track Appointments service find your specialists for you every time. This includes:
This option extends your Core Cover and provides increased levels of benefits.
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.
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 plan's premium. Our policies are flexible enough so you can keep the costs down without cutting the cover you receive too much.
This is a great way to save on your subscription 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 you 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.
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.
You will receive a 5% discount if opt to pay for your cover annually, as opposed to monthly.