Our Policies

Underwriting Options Explained

Moratorium

A simplified method excluding all pre-existing conditions from the last five years. We may then be able to offer cover for those conditions once you have been medication, treatment, advice and symptom free for a period of two years.

Full Medical Underwriting

With this type of underwriting you would disclose to us any past or current medical conditions via our full health questionnaire. From the answers given we will tell you which conditions we cannot cover.

Changing Providers

If you currently hold a policy with another provider but wish to change, we offer this option enabling you to do so and possibly retain cover for your pre-existing medical conditions.

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Full Benefits Table

	Plan A	Plan A+
Multiple excess options available. Your excess will be shown on your membership schedule	£1,000,000 limit per person/per policy year	£1,000,000 limit per person/per policy year
Part A: Private Diagnostic Investigations
A1: Outpatient or day case diagnostic investigations and consultations with a specialist	£1,000 per person/per policy year	Full refund
A2: MRI, CT and PET scans	Full refund	Full refund
Part B: Private Outpatient and Day Case Treatment
B1: Treatment and ongoing consultations with a specialist
a) Day case	Full refund	Full refund
b) Outpatient	£1,000 per person/per policy year	Full refund
B2: Outpatient physiotherapy following GP referral Outpatient physiotherapy following specialist referral	Full refund up to 6 sessions per eligible medical condition Full refund for unlimited sessions	Full refund up to 12 sessions per eligible medical condition Full refund for unlimited sessions
B3: Outpatient alternative or complementary therapy following GP or specialist referral	Full refund up to 6 sessions per eligible medical condition	Full refund up to 12 sessions per eligible medical condition
B4: Specialist fees for hospital treatment and Surgical procedures
a) Day case	Full refund	Full refund
b) Outpatient	£1,000 per person/per policy year	Full refund
B5: Hospital charges for day case treatment and surgical procedures	Full refund	Full refund
B6: Hospital charges for outpatient treatment and surgical procedures	Full refund	Full refund
Part C: Private Inpatient Treatment and Additional Services
C1: Specialist fees for inpatient medical and surgical hospital treatment	Full refund	Full refund
C2: Hospital charges for inpatient treatment	Full refund	Full refund
C3: Home nursing after eligible inpatient treatment	Full refund	Full refund
C4: Private ambulance charges	Full refund	Full refund
C5: NHS cash benefit	£200 per day or night up to a maximum of 30 days	£200 per day or night up to a maximum of 30 days
C6: Childbirth cash benefit	£200	£200
C7: Complications of pregnancy and childbirth	Full refund	Full refund
C8: Homecare/childcare allowance	£40 per day up to a maximum of 10 days	£40 per day up to a maximum of 10 days
C9: Parent accommodation	Full refund if under 16 years old	Full refund if under 16 years old
C10: Cancer treatment including external prostheses following surgery including wigs following treatment	Full refund £5,000 £100	Full refund £5,000 £100
C11: Targeted and biological therapies	Full refund for a maximum of 12 months	Full refund for a maximum of 12 months
C12: NHS cancer cash benefit	£500 per day or night up to a maximum of 30 days	£500 per day or night up to a maximum of 30 days
D1: Outpatient mental health treatment	Full refund up to 10 sessions	Full refund up to 10 sessions
D2: Inpatient or day case mental health treatment	Full refund up to 28 days	Full refund up to 28 days