Individual and family health insurance: Complete Health

Out-patient Treatment

Typically your treatment will start with a specialist consultation. Core cover contributes £250 per year towards these costs.

Complex scans such as MRI/CT/PET scans are included, plus procedures carried out by your specialist on an out-patient basis.

• £250 Consultations - enhance with the Out-patient Consultations Optional Extra
• Complex Scans
• Out-patient Procedures
• Pre-admission Tests

You can increase your out-patient treatment benefit to include cover for out-patient tests such as blood tests, x-rays and ultrasound scans.

Hospital Treatment

• Hospital stays

Cover should you need to stay in hospital as a day-patient or overnight as an in-patient.

Health and Wellbeing Benefits

• Remote GP Services
• Health & Wellbeing Helpline
• Counselling for you and your family members over 16

NHS Hospital Cash Benefit

If you choose to be treated in an NHS hospital instead of as a private patient, you may claim a cash benefit.

An annual benefit limit of £4,500 applies to the following benefits:

• NHS day-patient/in-patient (less than three nights) £150 per day/night
• NHS in-patient (three or more nights) £200 per night
• NHS out-patient complex scans and NHS out-patient procedures £150 per day

Further Benefits

• Nursing at Home - up to four weeks
• Private Ambulance Transport
• Parent and Child - up to 10 nights
• Out of Pocket Expenses - £10 per day
• Hospice Donation - £70 per night, up to £700

Cancer Care

Our aim with this Optional Extra is to provide easy and prompt access to a diagnosis, followed by full and comprehensive cover for medical treatment.

You and your family can have the confidence you are in excellent hands if you are diagnosed with cancer.

• No financial caps

  Benefit for all tests and treatments, from initial diagnosis through to palliative treatment.

• Unlimited follow-up care

  No time limit to our support for follow-up scans and consultations.

• Personalised support

  All cancer claims are overseen by our team of specially trained Case Managers and our Medical Advisors.

NHS Hospital Cash Benefit (cancer treatment)

An annual benefit limit of £6,000 applies to the following benefits:

• NHS day-patient/in-patient - £200 per day/night

• NHS out-patient treatment - £150 per day

Extra Out-patient Consultations

Enhances the £250 core benefit to provide you with extra peace of mind if you have an appointment in a hospital or clinic as an out-patient.

Consultations

Increase the £250 core benefit to:

£500, £1,000 or unlimited.

Out-patient Tests

As there is no benefit for out-patient tests under the core cover, this valuable Optional Extra provides benefit for tests such as blood tests, x-rays and ultrasound scans.

Tests

Benefit for tests such as blood tests, x-rays and ultrasound scans. Choose from:

£500, £1,000, £1,500 or unlimited.

Therapy

Therapy

A range of therapy treatment including physiotherapy, chiropractic, homeopathy and acupuncture is available with a choice of benefit limits:

£500, £750, £1,000, £1,500 or unlimited.

Within your chosen limit, you can self-refer for up to four sessions of physiotherapy, chiropractic and osteopathy treatment.

Physio Pathway

Rapid access for up to five face to face or remote physiotherapy sessions through the WPA Physio Pathway Provider. Sessions do not require a referral and will not be deducted from the therapy annual benefit limit. After your initial triage appointment, you will have access to an app where you can book subsequent sessions and take advantage of the exercises available.

Mental Health Treatment

Looking after your mind is an important part of your overall wellbeing. Mental health is about how you are feeling and how well you are coping.

Core Benefits

We recognise the importance of mental health. Within your core benefits, your policy provides support in the following ways:

• Access to a 24/7 health & wellbeing telephone helpline.
• A wealth of information in our Health & Wellbeing Hub.
• Based on clinical assessment, a brief course of structured therapy counselling (up to six sessions).

Mental Health Hospital Treatment

Up to 28 days/nights. If you add this benefit, you must also choose a level of out-patient treatment and therapy below.

Out-patient Treatment and Therapy

Choose from:

£1,000 or £2,500.

Structured Counselling (Extended Therapy)

Allowing for the treatment of more complex health conditions (up to 20 sessions). Available for over 16s only.

Overseas Emergency Treatment

Excludes the USA & its dependencies and winter sports resorts. Choose from:

Up to 35 days per trip

(maximum of 180 days and £250,000).

Up to 70 days per trip

(maximum of 180 days and £500,000).

Winter Sports - UK Treatment

Should you have an injury whilst in a winter sports resort, this Optional Extra provides benefit, from your existing benefits, for treatment on your return.

Please note: you are not covered for treatment costs whilst abroad.

Premium Hospitals

We provide an extensive choice of hospitals as standard, including large private hospital groups, independent private hospitals and clinics, and private wings of NHS hospitals.

You can extend your choice of over 1,000 hospitals, clinics and scanning centres across the UK by including the Premium Hospitals Optional Extra.

The following hospitals are not included, unless you choose to add this Optional Extra.

These hospitals are primarily located in and around London. As specialist centres (e.g. for cancer treatment) many patients are referred to these sites for treatment regardless of where they live. In addition, certain specialists only work out of these hospitals. Please note that any treatment (including scans, tests, procedures etc.) recommended by your Specialist at a Premium Hospital, will not be covered unless this Optional Extra is selected.

Cash Extras

Choose from two levels of cover:

Dental Care

Dental Emergencies

£250 per course of treatment in the UK or abroad (up to four courses)

Dental Injuries

£20,000

Dental injuries will be refunded up to the maximum amounts listed in our Dental Schedule.