XS health: The Benefits

Most of us stay healthy. Ask yourself "when did I last need private treatment?". Of course it can happen and it can be expensive. With XS health you pay the small bills and WPA pays the big ones.

This list of benefits is intended as a summary only. More detailed information, including what´s not covered, can be found here.
XS health policy summary Guide to our high excess plans
Policy Summary Guide to Policy


In-patient and day-patient treatment Cover
Hospital Treatment Covered
Specialists´ Fees 1 Covered
Diagnostic Tests Covered
Diagnostic Scans Covered
NHS Hospital Cash Benefit Covered
Psychiatric Treatment Not covered
Out-patient treatment  
Consultations with a Specialist 1 Covered
Diagnostic Tests Covered
Diagnostic Scans Covered
Physiotherapy (and other therapies) 2 Covered
Psychiatric Treatment Not Covered
Out-patient Procedures 1 Covered
Pre-admission Tests Covered
Cancer Care 3  
Consultations with a Specialist Covered
Radiotherapy/Chemotherapy Covered
Advanced Therapeutics 4 Covered
NHS Hospital Cash Benefit (Cancer) Covered
Other Benefits  
Nursing at home Covered
Private Ambulance Transport Covered
Parent and Child Covered
Prostheses Covered
Hospice Donation Covered

Covered = Covered, once your excess limit has been reached.
Not covered = Not covered


1 A guideline to customary and reasonable fees
2 This includes Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language Therapy
3 Cancers will not be covered which are diagnosed or for which symptoms develop within the first 90 days of the policy commencing (ie new policyholders of WPA)
4 WPA will fund the use of advanced anti-cancer (targeted) treatments which are not readily available on the NHS with our prior approval and when given with curative intent.



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