Flexible Health benefits

Choice is vital in tailoring the very best policy for you. Three levels of cover and the option to add extra benefits puts you in control of tailoring exactly the right policy for your needs.

Select your cover option

Essentials is our surgery-only Policy with a maximum annual benefit limit of £50,000 is a mid-range Policy offering enhanced cover as standard.

Premier is a mid-range Policy offering enhanced cover as standard.

Elite is our most comprehensive Policy - when you want the highest level of cover we offer.

Select the benefits to view

Core cover

In-patient and Day-patient Treatment

Hospital Treatment
Critical Care Levels 2 and 3
Up to 28 days for Intensive Care and High Dependency Units
Drugs and dressings
Specialists' Fees
To a level we consider to be a customary and reasonable cost
Diagnostic Tests
Complex Diagnostic Scans
MRI, CT and PET Scans
In-patient and Day-patient Therapy
Post-operative Consultation and Tests
One follow-up consultation and tests within 90 days of surgery
Passive and Active

Out-patient Treatment

Consultations with a Specialist and Diagnostic Tests *
GP Referred Diagnostic Tests *
Specialist Referred Therapy *
GP Referred Therapy
Up to 10 sessions *
Self-referred Therapy
Up to four sessions of Chiropractic, Osteopathy and Physiotherapy *
Complex Diagnostic Scans
GP Referred Complex Diagnostic Scans
One MRI or CT Scan
Out-patient Procedures
Pre-admission Tests

* A combined limit of £350 increasing to £1,000 if the Extra Out-patient Optional Extra is chosen

Remote Benefits

Remote GP Services
Private GP Helpline • Video Consultations • Private Prescriptions • Specialist Referral
Health and Wellbeing Helpline
Single-session Telephone Counselling • Online computerised Cognitive Behaviour Therapy (cCBT) Life Skills Course • Wellbeing and Health Information • Debt and Money Information and Support • Legal Information
Structured Counselling
Where clinically appropriate, following referral from the Health & Wellbeing Helpline, up to six sessions of structured counselling (not available to family member(s) under 16 years of age)

NHS Hospital Cash Benefit - Non cancer

An overall combined maximum annual benefit of £4,500 applies

NHS In-patient (less than three nights) or NHS Day-patient
£150 per night/day
NHS In-patient (three nights or more)
£200 per night
NHS Out-patient Complex Diagnostic Scans and NHS Out-patient Procedures
(MRI, CT and PET Scans) - £150 per day

Further Benefits

Nursing at Home
Four weeks
Private Ambulance Transport
Parent and Child
Up to 10 nights for hospital accommodation charges
Out of Pocket Expenses
£10 per day
Hospice Donation
£70 per day/night up to £700

Benefits shown throughout are per person per Policy year unless otherwise stated.
Please refer to 'A Guide to Your Policy' and the relevant product Benefit Schedule for full details of each benefit and terms and conditions.

What isn't covered?

As with all health insurance there are certain things that are not covered. For a full list of what isn't covered, please refer to the 'A Guide to Your Policy' in the Download documents section below. It is important to understand that health insurance is not designed to be a replacement for the NHS, but rather to complement it.

Key exclusions include:

  • Pre-existing conditions
  • Long-term chronic conditions
  • Fertility problems, pregnancy and childbirth
  • Allergic conditions
  • Injuries sustained through winter sports

Download documents

Get a quote

Get a quote now and find out how much you would pay.

  • 3 choices of cover and the additional Optional Extras to tailor the policy to fit your needs.
  • Shared Responsibility. An innovative method of co-payment allowing you to take control of your premium.
  • Underwriting choices. You decide how you wish to join WPA (your underwriting method).
  • Discount available to the self-employed or a member of a recognised profession.

Help & advice

Contact us

If you’d rather talk to someone about becoming a member, please give our UK team a call on 01823 625050.