Do you cover pre-existing conditions?
Like other forms of insurance, health insurance provides cover for the unknown. Any medical condition you had when you took out the plan is generally excluded from cover.
Do I need to complete a medical questionnaire to join your plan?
When applying for cover it is important to complete the medical history questions in detail so we can advise the full extent of the cover available. Pre-existing conditions are likely to be excluded from cover.
You can buy online, alternatively you can discuss your needs over the phone, or one of our local representatives can meet you to discuss your requirements.
What is the maximum joining age?
The price of your plan will depend on your age and any optional extras (emergency abroad or dental cover).
What is the maximum annual limit?
XS Health has an annual maximum limit of £150,000.
Can I change my cover after I have joined?
When you first join your plan, you can change your cover by adding or removing any optional extras within the first 14 days of receiving your full policy documentation (or 28 days if you join online). After that, you can amend your cover at renewal (which is the anniversary of your original policy start date).
Do my premiums increase because I make a claim?
Unlike with some insurers ´no claims discount´ schemes, we do not penalise you with higher premiums because you make a claim.
Can I cancel my plan at any time?
If, when you first take out your policy, you are not satisfied with the policy and the benefit it provides you have the right to cancel your policy provided you notify us within 14 days (28 days if you purchased online) of receiving your policy documents. Cancellations cannot be backdated. If you cancel your policy and you chose to pay the premium by monthly instalments we reserve the right to make a reasonable charge to reflect the cost to us.
What hospitals can I use?
You have access to over 650 hospitals across the UK. For a list of hospitals in your area click here.
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.
XS Health 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.
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 a rolling excess?
XS Health has a unique £1,500 per person excess, which works on a rolling basis per year and not per claim. This means that once your treatment costs exceed your excess limit within a 12 month period, WPA will cover the cost of all eligible treatment for a further 12 months. So in effect, you get a full year´s ´excess holiday´.
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.
Simply start by visiting your GP. Once your GP refers you to a specialist or therapist, you should contact us in advance. All claims must be pre-authorised before you commence any treatment. For instant authorisation of claims 24 hours a day, 7 days a week, visit wpa.org.uk/claim Alternatively contact us on 0845 122 3100.
XS Health provides cover for cancer surgery, radiotherapy, chemotherapy, specialist consultations which are customary and reasonable, monitoring, 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 a £200 per day/night NHS cash benefit option up to £6,000 per year where you are treated (at no charge) as an NHS patient. Please note you are not covered for cancer which is diagnosed or for which symptoms occur within the first 90 days of cover.
We will pay up to £300 per policy year towards NHS car parking fees if you are receiving out-patient cancer treatment as an NHS patient. Please note you are not covered for car parking charges relating to cancers that occurred before or within the first 90 days of your policy starting, whether the cancer has been formally diagnosed or not.