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.

Essentials

Premier

Elite

Shared Responsibility levels available
Not available
£250 • £500 • £750 • £1,000 • £1,500 • £3,000 • £5,000
£500 • £750 • £1,000 • £1,500 • £3,000 • £5,000
Maximum annual benefit limit
£50,000
Unlimited
Unlimited

In-patient and Day-patient Treatment

Hospital Treatment Essentials provides benefit for elective surgery only (not ‘non-surgical’ medical treatment)

Surgery only
Critical Care Levels 2 and 3 Up to 28 days for Intensive Care and High Dependency Units
Specialists' Fees
Diagnostic Tests
Complex Diagnostic 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
Prostheses Passive and Active

Out-patient Treatment

Consultations with a Specialist and Diagnostic Tests
£150
in the 6 weeks prior to surgery
£350
(Enhanced if Extra Out-patient is chosen)
GP Referred Diagnostic Tests
£350
(Enhanced if Extra Out-patient is chosen)
£1000
Therapy
£200
post-surgery only
£350
(Enhanced if Extra Out-patient is chosen)
GP Referred Therapy
£350
(Enhanced if Extra Out-patient is chosen)
Complex Diagnostic Scans
GP Referred Complex Diagnostic Scans
One MRI or CT Scan
Out-patient Procedures
Pre-admission Tests

Remote GP Services

24/7 access to a private GP helpline, video consultations, private prescriptions and specialist referral

Health and Wellbeing Helpline

24/7 telephone support for you and your family member(s)

Cancer Care

Consultations with a Specialist
Optional - see 'Extras: Cancer Care'
Radiotherapy/Chemotherapy
Optional - see 'Extras: Cancer Care'
Targeted Cancer Therapies Advanced anti-cancer treatment (Targeted Cancer Therapies) will be funded when given with curative intent, where not readily available on the NHS
Optional - see 'Extras: Advanced Cancer Drugs
Optional - see 'Extras: Cancer Care'

NHS Hospital Cash Benefit

Non-cancer - overall combined maximum annual benefit of £4,500
NHS In-patient (less than 3 nights) or NHS Day-patient £150 per night/day
NHS In-patient (3 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

NHS Hospital Cash Benefit (cancer)

Cancer - overall combined maximum annual benefit of £6,000
NHS In-patient or NHS Day-patient £200 per night/day
Optional - see 'Extras: Cancer Care'
NHS Out-patient Complex Diagnostic Scans or NHS Out-patient Cancer Treatment or NHS Out-patient Procedures £150 per day
Optional - see 'Extras: Cancer Care'

Further Benefits

Nursing at Home Up to 4 weeks
Private Ambulance Transport
Parent and Child Up to 10 nights for hospital accommodation charges
Out of Pocket Expenses Up to £10 per day
Hospice Donation £70 per day/night up to £700
Overseas Emergency Treatment (not the USA and its dependencies) 70 days per trip, maximum 180 days
Optional - see 'Extras: Overseas Emergency Treatment'
£500,000
General Dental Treatment
£100
Optional - see 'Extras'
£450
Optical Treatment
£100
Optional - see 'Extra out-patient'
£200
Health Screening
Optional - see 'Extra out-patient'
£200

Optional Extras - to enhance the benefits

Please refer to the 'Policy Summary' below for full details of these Extras
Advanced Cancer Drugs £50,000 (lifetime benefit) towards advanced anti-cancer treatment (Targeted Cancer Therapies) when given with curative intent and where not available on the NHS
Optional
Optional - see 'Extras: Cancer Care'
Extra Out-patient Consultations with a Specialist and Diagnostic Tests and Physiotherapy (and other therapies), General Dental Treatment, Optical and Health Screening
Optional - £1,000 • £1,500
Cancer Care Consultations with a Specialist and Radiotherapy/Chemotherapy, Targeted Cancer Therapies & NHS Hospital Cash Benefit (Cancer)
Optional
Dental Care General Dental Treatment, Dental Emergencies, Dental Injuries and Restorative Treatment as a direct result of Oral Cancer
Optional
Overseas Emergency Treatment Overseas Emergency Treatment (not the USA and its dependencies) – 70 days per trip, maximum 180 days and £500,000
Optional
Premium Hospitals We provide an extensive choice of over 600 hospitals as standard. Extend this choice by adding Premium Hospitals, primarily based in Central London
Optional
Optional

This table is a summary of the benefits available and is for indicative purposes only. Please refer to the 'Policy Summary' for further details and 'A Guide to Your Policy' for full terms and conditions in the ‘Download documents’ section below.


What isn't covered

As you’d expect, some circumstances won’t be covered in your policy, like the examples shown below.

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

For a full list, please see ´What is not covered´ in 'A Guide to Your Policy' available from the ‘Download documents’ section below.

Download documents


25% off for a year

Receive 25% off your premium in your first year, 15% in your second and 5% in your third year.

Find out more

Get a quote for your very own health insurance policy

Creating your very own health insurance package puts you in control of the price. The price is determined by the level of cover and additional extras you choose, whether you include Shared Responsibility® (co-payment), as well as factors such as your age and where you live. Get a quote now and find out how much you would pay.

Help & advice

Contact us

If you’d rather talk to someone over the telephone, please give our highly trained and experienced UK team a call on 01823 625050.