121 Healthcare Ltd

Policy Details for BCWA: Preferential Health Cover

121 Healthcare Logo, 1.5K

BCWA logo

Preferential Health Cover: Policy details

Hospital charges & medical fees Therapy fees In patient cancer treat ment In patient psych iatric treat ment Consult ation before hospital stay Consult ation after hospital stay Out patient physio therapy Out patient cancer treat ment Out patient psych iatric treat ment Minor surgery by a GP Parent accomm odation Private ambul ance Home nursing NHS cash benefit Maternity benefit World wide emerg ency cover
Included Included Included Included Included Included Included Included Included Excluded Included Included Included Included Included Included

Home page

In-patient and day-patient treatment
Nationwide network of hospitals 
  • Nationwide network of hospitals
  • Choose the hospital band or district area which is most appropriate for you and or your family to ensure you do not pay more than necessary
  • Network hospitals are scaled into A, B, C, and D Bands. These scales signify the category of accommodation only and do not reflect or imply any difference in the quality of service or care provided.
Hospital chargesFull refund
  • Day-patient hospital accommodation charges
  • In-patient hospital accommodation charges
  • Operating theatre charges including surgical dressings and drugs
  • Surgical appliances needed as a vital part of an operation
  • Prostheses and appliances (artificial body parts - eg. hip replacement) when implanted as an integral part of a surgical procedure
  • Intensive care, nursing care, drugs and surgical dressings
Medical or surgery feesFull refund
  • Surgeons and anaesthetists fees
  • Surgical procedures performed on an in-patient or day care basis
  • Nursing care
Therapy fees e.g physiotherapyFull refund
  • In-patient pathology, physiotherapy and diagnostic procedures. Applies equally to day-patient treatment
  • Diagnostic procedures which include pathology, radiology, CT and MRI scans
  • Oncology including radiotherapy and chemotherapy
In patient cancer treatment e.g. radiotherapy and chemotherapyFull refund
  • In-patient and day-patient radiotherapy and chemotherapy charges in full
In patient psychiatric treatmentAnnual limit: 28 days
  • Treatment in respect of accommodation, nursing, drugs prescribed in a ward
  • Specialist consultations and diagnostic procedures for psychiatric and mental conditions
  • In-patient and Day Care psychiatric treatment available for a maximum of 28 days per period of insurance
  • Conditions caused by alcohol, drug or solvent abuse or any associated condition are excluded

Out-patient treatment
Consultation before a hospital stayFull refund
  • Expenses for specialist consultations and diagnostic procedures such as pathology and radiology
  • Physicians' fees and specialist consultations available to both in-patient and day care treatment patients
  • Diagnostic tests such as pathology and radiology fully covered
  • Treatment and benefit would not normally be covered unless the specialist attends you on at least 5 days per week
Consultation after a hospital stayFull refund
  • Expenses for specialist consultations and diagnostic procedures such as pathology and radiology
  • On referral by your specialist, consultations, investigations and treatment are fully covered
  • Diagnostic tests and consultations will only qualify for payment when following or leading to related or eligible private in-/day-patient treatment
Out patient physiotherapyFull refund
  • In-patient, day-patient physiotherapy fees in full
  • Out-patient physiotherapy fees fully refunded when referred by a Specialist or GP unless otherwise stated herein
  • Out-patient physiotherapy that directly follows in-patient treatment and is part of the original treatment is covered in full
  • Upon referral by a specialist (not GP), out-patient treatment is fully covered
  • Limit shown here also includes the sum total available for complementary medical treatment as detailed in the additional benefits section
  • Upon referral by a specialist (not GP), out-patient treatment is fully covered and includes acupuncture, chiropractic and osteopath treatments
Out patient radiotherapy/ chemotherapyFull refund
  • Out-patient radiotherapy and chemotherapy charges as part of a diagnosed treatment
  • Diagnostic procedures which include pathology, radiology, CT and MRI scans
Out patient psychiatric treatmentFull refund
  • Specialist consultations and diagnostic procedures for psychiatric and mental conditions
  • Benefits apply to each insured member per year and is the maximum cover under the scheme
  • Consultations given by a psychotherapist under the care of a consultant psychiatrist are fully refunded
  • Conditions caused by alcohol, drug or solvent abuse or any associated condition are excluded

Additional benefits
Parent accommodation if child needs an overnight stayFull refund
  • If it is medically necessary for a parent to accompany the child, the cost of staying overnight in a hospital, nursing home or hotel
  • Accommodation for a parent accompanying a child under 12 years of age when medically necessary
Private AmbulanceFull refund
  • Private ambulance where medically necessary during the course of treatment
Post discharge home nursingFull refund
  • If it immediately follows in-patient treatment covered by the policy
  • If it is prescribed by a specialist for medical reasons (not domestic reasons)
  • If it is under the direction of a specialist
  • If it is performed by a qualified nurse
  • Limit quoted is the sum total amount payable for home nursing and applies to nursing which may include an overnight stay
Post discharge home nursing including home stayFull refund
  • If it immediately follows in-patient treatment covered by the policy
  • If it is prescribed by a specialist for medical reasons (not domestic reasons)
  • If it is under the direction of a specialist
  • If it is performed by a qualified nurse
  • Limit quoted is the sum total payable for home nursing and home nursing overnight stay
Cash benefit if treated by the NHSAnnual limit: 91 days
  • Cash benefit when you are treated in a public ward under the NHS (and not as a private patient)
  • £100 cash benefit for each night spent in hospital
Maternity benefitPer child: £150
  • Cash benefit for each birth when delivery and hospitalisation is provided under the NHS free of charge
  • To qualify for maternity benefit membership must be exceed 12 months
Emergency medical cover world wideFull refund
  • Full monitoring of your condition whilst an in-patient abroad
  • Transfer to an alternative hospital abroad if the treatment being given is medically unsatisfactory
  • Repatriation to the UK following discharge from hospital if you cannot return by the means originally planned
  • Settlement of eligible medical bills and other charges
  • 24 hour dedicated emergency assistance contact line with multilingual medical support
Free medical help lineFull refund
  • Medical Helpline is manned by qualified medical staff
  • Medical information, fitness nutrition and medication, childcare line, homecare, counselling and bereavement information advice lines are all available to members
  • 24 hour advice lines open 365 days a year
Specialist consultations and diagnostics such as pathology and radiologyFull refund
  • Full cover in-patient and day-patient treatment
  • Out-patient treatment covered when following and directly related to in-patient or day care treatment
Children 
  • Single premium of eldest child covers all other children
  • Children covered until age 21
Overall Policy Limit 
  • No overall limit to claims except where particular benefits have maximum levels applied
  • Special Health Screening discount facilities are available to members throughout the UK if you should wish to have one

Please note: even when expressed as a full refund, all costs must be necessarily incurred and benefit will be paid in accordance with the reasonable and customary fees for the treatment received.


Private Medical Insurance - SAVE £££'s - Compare all the prices here!
Age:Policy Type:

Guide to buying Private Medical InsuranceHome page



121 Healthcare Ltd,
92 Bath Road,
Cheltenham,
GL53 7JT

Telephone: 01242 513222
Fax: 01242 584008
E -Mail: info@121healthcare.com
Copyright © 2000 - 2008, 121 Healthcare Ltd

121 Healthcare Ltd's Privacy Policy


The information on this site applies to UK residents only. All prices include Insurance Premium Tax at the current rate. 121 Healthcare Ltd have carefully checked all the information for accuracy. The monthly subscription rate is subject to final confirmation from your chosen health care supplier. Final rates may vary by a few pence due to rounding differences. Whilst 121 Healthcare Ltd endeavour to ensure that the information displayed is accurate, we cannot be held responsible for any inaccuracies or errors. All insurance is subject to acceptance by the health care company concerned. 121 Healthcare Ltd endeavour to respond to all e-mails within two working days. If you experience any problems on this site, please contact info@121healthcare.com or phone us on 01242 513222.