121 Healthcare Ltd

Policy Details for BCWA: Vital Health

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Vital Health: 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
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In-patient and day-patient treatment
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
  • Nationwide hospital list and full in-/day patient cover applies to hospital bands C and D only.
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
  • All hospital fees if the hospital is listed by your policy (Refunds in accordance with reasonable and customary fees for treatment)
  • Hospital fees up to a set limit if the hospital is not listed by your policy. (Out of band daily benefits for treatment received in a non listed hospital)
  • 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
  • Treatment in hospitals A and B is limited to a maximum of £250 a day towards accommodation, operating theatre charges,drugs and dressings. The surgeons, anaesthetists and physicians fees will be fully refunded for eligible treatment.
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
  • Oncology including radiotherapy and chemotherapy
  • CT and MRI scans are fully refunded
  • Benefit is not payable towards physiotherapy, pathology or radiology
In patient cancer treatment e.g. radiotherapy and chemotherapyFull refund
  • In-patient and day-patient radiotherapy and chemotherapy charges in full

Out-patient treatment
Consultation after a hospital stayFull refund
  • In the case of out-patient treatment, the policy cover is limited
  • Benefit will be payable for one follow-up specialist consultation after an in-patient or day-patient operation. Out-patient physiotherapy, pathology and radiology, are not covered.
Out patient physiotherapyFull refund
  • In-patient, day-patient physiotherapy fees in full
Out patient radiotherapy/ chemotherapyFull refund
  • Out-patient radiotherapy and chemotherapy charges as part of a diagnosed treatment
  • In-/out-patient treatment including radiotherapy, chemotherapy, computerised tomography and MRI scans in full

Additional benefits
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)
  • These benefits are only paid for overnight stays
  • £50 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
Free medical help lineFull refund
  • 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
Children 
  • Single premium of eldest child covers all other children
  • Children covered until age 21
  • Newborn children included on policy free until next renewal date provided parent has been a member for at least 10 mths. Notification of newborn required within 3 months to qualify
Overall Policy Limit 
  • No overall limit to claims except where particular benefits have maximum levels applied
  • Annual travel insurance and overseas cover are available as an option to the policy
  • 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.


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

Telephone: 01242 513222
Fax: 01242 584008
E -Mail: info@121healthcare.com
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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.