Student Health Insurance benefits

What´s covered with XS Health Insurance

From £5.63 per month1
Includes 20% first year discount    

There is a maximum annual limit of £150,000.

In- and Day-patient (hospital)		Notes
Hospital Treatment		Choose from over 650 hospitals nationwide
Specialist´ Fees		In line with customary & reasonable fees 2 whilst in hospital
Diagnostic Tests		Such as blood tests,ultrasound and x-rays
Diagnostic Scans		MRI, CT and PET scans only
NHS Hospital Cash Benefit		£100 per day/night, maximum £3,000
Prostheses		In-patient and day-patient only
Psychiatric Treatment
Out-patient Treatment
Consultations with a Specialist		In line with customary & reasonable fees 2
Diagnostic Tests		E.g. blood tests, ultrasound and x-rays at the request of a specialist
Diagnostic Scans		MRI, CT & PET scans only at the request of a specialist
Physiotherapy (and other therapies) 3
Out-patient Procedures		In line with customary & reasonable fees 2
Pre-admission Tests		In the 2 weeks prior to your operation
Psychiatric Treatment
Cancer Care (A 90 day deferment period applies)
Consultations with a Specialist		In line with customary & reasonable fees 2
Radiotherapy/Chemotherapy
Advanced therapeutics (targeted therapies)		Advanced anti-cancer (targeted therapies) treatment which is not readily available on the NHS
NHS Hospital Cash Benefit (Cancer)		£200 for each day/night, maximum of £6,000
NHS Car Parking		£300 for out-patient NHS cancer treatment
Other Benefits
Nursing at Home		Up to 4 weeks
Private Ambulance Treatment
Parent and Child		Hospital accommodation charges
Hospice Donation		£70 per day/night up to £700
Elective Overseas Treatment		Available with our prior approval
Add your Extras
Emergency Abroad (not USA)	Trips abroad for up to 70 days per trip (annual maximum of 180 days and £500,000). Excess does not apply and excludes treatment in the USA. Available as an optional extra.
Dental Cover	75% of General Dental Treatment up to £250 per year. 1 month qualifying period applies. 75% of Dental Emergency costs up to £250 per emergency (maximum of £1,000 per year). 14 day qualifying period applies. Dental injuries up to £20,000 per year. Oral Cancer up to £10,000 per year. Excess does not apply. Available as an optional extra.

XS Health does not cover pre-existing or chronic conditions for further details see what´s not covered in detail.

= Covered subject to your £1,500 excess (does not apply to the NHS (cancer) Cash Benefit, NHS Car Parking or Hospice Donation benefits)
= Not covered

1. Non-smoker aged 25 years or under. £14.13 for a 35 year old, £22.97 for a 45 year old.
2. See our guideline of customary & reasonable fees. WPA actively manages your claims and most specialists´ fees are within these limits. If your specialist´s charges are higher, then you will be required to pay a shortfall.
3. This includes Acupuncture, Chiropody/Podiatry, Chiropractic Care, Dietary Services, Homeopathy, Osteopathy, Physiotherapy and Speech and Language Therapy.

Our comprehensive FAQ section provides answers to many common questions. If you still have any questions, call a member of the team on 0800 298 9588.