Student Health Insurance benefits

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

In- and Day-patient (hospital)		Notes
Hospital Treatment		Choose from over 600 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 per person, per year
Prostheses
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 per day/night or £100 per out-patient radiotherapy or chemotherapy session, maximum of £6,000 per person per year
Other Benefits
Nursing at Home		Up to 4 weeks per person, per year
Private Ambulance Treatment
Parent and Child		Hospital accommodation charges
Hospice Donation		£70 per day/night up to £700 per person, per year
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. Includes the unique ´fly2u´ benefit for customers up to the age of 25
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 or Hospice Donation benefit)
= Not covered

1. Non-smoker aged 25 years or under. £14.13 for a 35 year old, £22.97 for a 45 year old. For prices, click quote.
2. See our guideline of customary & reasonable fees. WPA actively manages your claims and most specialists´ and anaesthetists´ fees are within these limits. If their charges are higher, and they have advised you before the treatment takes place, they may require you to pay the difference (for more information, click here).
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.

* For full terms click here.