Multi-Family Healthcare Plan: Across the generations

0800 298 9 588

Frequently Asked Questions

Who can I include on my Multi-Family Healthcare Plan?
Those family members that are related to you (the payer) by blood, marriage, civil partnership, co-habiting, adoption or fostering. These family members must be resident in the UK.
Can one person/family join?
No. In order to be eligible for the Multi-Family Healthcare Plan there must be at least 2 primary contacts at different UK addresses or the policyholder and 1 primary contact at different UK addresses covered at all times.
Can I cover family members and not myself? I want to pay for my family members.
Can I add my family to my policy later?
Yes, subject to their medical declaration. However, there must be at least 2 primary contacts at different UK addresses or you and 1 primary contact at a different UK address covered at all times.
Do I need to complete a medical questionnaire to join your policy?
The joining terms available for this policy are Switch, Full Medical Underwriting and Moratorium. For details of each of these please click here.
Are pre-existing conditions covered?
We will review your medical history. Significant pre-existing medical conditions are unlikely to be covered.
If I´m on a screening programme because of family history for heart or cancer - am I covered?
We will review your information though it is likely not to be covered when you are of higher risk of developing this condition.
What is the maximum age to join?
There is no upper age limit.
How do I join WPA?
Call us on 0800 298 9 588 to discuss your needs over the phone, or one of our local Healthcare Partners can meet you to discuss your requirements. Find your local Healthcare Partner.
How much does it cost?
The combined price of the policy will depend on a number of factors, including each applicants age, where they live, level of cover and chosen Shared Responsibility (co-payment). The policyholder can tailor the cover to suit the needs of family members.
My son has divorced; can I still cover his ex-wife and family?
If the policyholder (person responsible for paying the premiums) dies what happens?
We will contact the oldest family member to seek confirmation of who (if any) wishes to pay the premium going forward.
What is the 45 day cover note?
It provides confidence that you are covered from the day your policy starts subject to underwriting and cover qualifying periods.
What are the Qualifying Periods?
Customers are not covered for any symptom or condition that arises in the first 14 days of cover or for any symptoms that are later diagnosed as cancer in the first 90 days of cover.

Note: There is no qualifying period for customers who transfer (without a break in cover) from another personal health insurance policy with comprehensive hospital and cancer cover.

If you have Enhanced or Comprehensive cover there is also a 1 month qualifying period for the optical, dental and health screen benefits.
How many levels of cover are there and can I choose different cover levels for everyone?
There are three levels of cover which for ease will normally be the same for all members of the family who reside at the same residence.

You can choose a different level of cover for each family member by specific request and we will try to accommodate and help in every circumstance.
What is the maximum annual limit I can claim?
There is no annual maximum limit. Some benefits do have specific maximum annual limits though, as detailed in the policy summary.
Can I change my cover after I have joined?
When you first join your policy the policyholder can change your level of cover within the first 14 days of receiving your full policy documentation. After that the policyholder can amend your cover at renewal (which is the anniversary of the original policy start date).

A qualifying period will apply to the Premium Hospitals extra when this is added at renewal.
How can I pay the premium?
Monthly or annually by direct debit, debit card, credit card or annually by cheque.
What is the APR for paying monthly?
None. WPA health insurance premiums do not fall under the Consumer Credit Act.

When paying monthly the insured period is a month; when paying annually the insured period is a year.

If you pay monthly (unlike with many gym memberships) you are not obliged to pay the remaining months if you cancel your membership prior to the annual policy renewal. Please note that we reserve the right to make a reasonable charge to reflect the cost to us.

There is no discount for paying annually.
Can I get a refund of my annual premium if we cancel my policy mid year or if a family member died during the policy year?
WPA is under no obligation to refund premiums. However our customary practise - where there are no claims during the policy year - is to provide a full refund on request.

Please note that in the case of a premium refund we reserve the right to withhold £25 as an administration fee.
Do my premiums increase because I make a claim?
Unlike with some insurers´ ´no claims discounts´ schemes, we do not penalise you with higher premiums because you make a claim.
Will you share medical history details with the main policyholder who pays the premium?
No, medical history is confidential to the adult and will not be shared without their expressed permission. Where children under 16 years are involved we will share medical details with their parent/guardian if required. However we will discuss the administration of the policy with the main policyholder as we gain this permission when the client completes their application form.
How do I get a quote?
You can get a quote in one of the 3 following ways:

What hospitals can I use?
You have access to over 600 hospitals across the UK. Please note though that you can add cover for Premium Hospitals (which are primarily based in Central London).
What are premium hospitals?
WPA provides an extensive choice of hospitals as standard including all BMI, Nuffield Health, Spire, Ramsay, independent private hospitals and Private Wings of NHS hospitals. You can also extend this choice by adding the Premium Hospitals extra - these hospitals are primarily based in Central London and listed below:

  • BUPA Cromwell Hospital
  • 30 Devonshire Street
  • Harley Street at Queen´s (Romford, Essex);
  • Harley Street at UCH
  • Harley Street Clinic
  • Lister Hospital
  • London Clinic
  • Portland Hospital
  • Princess Grace Hospital
  • Royal Marsden Hospital (London and Surrey)
  • The London Bridge Hospital
  • LOC – Leaders in Oncology Care
  • The National Hospital for Neurology and Neurosurgery
  • University College London
  • Wellington Hospital
What are chronic conditions?
A disease, illness, or injury that has one or more of the following characteristics:

  • It needs ongoing or long-term monitoring through consultations, examinations, checkups, and/or tests;
  • It needs ongoing or long-term control or relief of symptoms;
  • It requires your rehabilitation or for you to be specially trained to cope with it;
  • It continues indefinitely;
  • It has no known cure;
  • It comes back or is likely to come back.

The Multi-Family Healthcare Plan does not cover chronic conditions. We may provide cover for initial investigations needed to diagnose a new condition and the initial short-term treatment up to the point of stabilisation - a period not exceeding 3 months. You should contact us in these circumstances for pre-approval.
Do you cover pregnancy?
We do not cover any investigations, care or treatment arising from or related to pregnancy, fertility problems, assisted conception, contraception, miscarriage, sterilisation and child birth.
What is Shared Responsibility (co-payment)?
The policyholder agrees you are to pay a set percentage of any claim and as a result this reduce the premiums significantly.

It´s similar to an excess but better because you can benefit from even the smallest of claims. You pay up to a certain monetary limit each year - say, a limit of £500. Because you are sharing the costs with WPA, we pay 75% of the claim and you pay the remaining 25%. But if your claim is a large one and your 25% would come to more than the £500 you have agreed to pay, you won´t have to pay any amount on top of this - your costs will always be contained at £500 for that year. So, basically, when you´ve paid the ´excess´ we will pick up all the bills after that. For further information please refer to the policy summary.
Do you cover emergency treatment?
Private hospital admissions are for planned treatment only and so we will not pay benefit for emergency admission into a private hospital unless we have authorised this and you have first had a consultation with a specialist and he/she has decided to admit you. If, in a medical emergency, you are admitted to an NHS hospital via A&E we will be able to provide cover once your condition has been stabilised and the transfer to the private bed is arranged by your specialist at your own request, subject to our prior authorisation.
How can I claim?
Simply start by visiting your GP. Once your GP refers you to a specialist or therapist, you should contact us in advance of seeing them. All claims must be pre-authorised before you commence any treatment by contacting us on 0345 122 3100.
Do you cover cancer?
The Multi-Family Healthcare Plan provides cover for cancer surgery, radiotherapy, chemotherapy, specialist consultations which are customary and reasonable, monitoring and advanced cancer drugs given with curative intent which are not readily available on the NHS. As cancer treatment is often given in NHS facilities (especially out of London) we offer an NHS hospital cash benefit option. This provides £200* per day/night or £150* per day for one or more sessions of NHS out-patient complex diagnostic scans (MRI, CT or PET scans), procedures, blood tests and radiotherapy/chemotherapy up to £6,000 per year.

* Where you receive treatment (as an NHS patient) in one of the defined London NHS Hospitals, the benefit limits shown on the table will increase by £100 per day/night up to the same maximum annual limits shown. For a full list click here.

Please note you are not covered for cancers that occurred before or within the first 90 days of your policy starting, whether the cancer has been formally diagnosed or not.

Find out more about the benefits that our policy offers you.

* For full terms click here.

For more information

Call us about our plans

0800 298 9 588