121 Healthcare Ltd

Policy Details for Clinicare: Carte Blanche

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Carte Blanche: 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 
  • Nationwide network of hospitals
  • Network hospitals are scaled into A, B, C, or Level Bands. These scales signify the category of accommodation and monetary level of certain benefits.
  • 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
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
  • 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
Medical or surgery feesFull refund
  • Surgeons and anaesthetists fees
  • Nursing care
  • Out of band benefit paid to members who use hospitals not on chosen list or receive treatment in a higher banded hospital
  • Out of band benefit towards accommodation and treatment costs - Level A £315, Level B £240 and Level C £210. Payable for overnight stays only
  • Out-patient prescriptions limited to 90% of costs and to a maximum of £300
Therapy fees e.g physiotherapyFull refund
  • In-patient pathology, physiotherapy and diagnostic procedures. Applies equally to day-patient treatment
  • In-patient and day-patient physiotherapy, radiotherapy and chemotherapy
  • Consultant oncologists fees in full including treatment when received in listed hospital
In patient cancer treatment e.g. radiotherapy and chemotherapyFull refund
  • In-patient and day-patient radiotherapy and chemotherapy charges in full
  • Consultant oncologists fees in full including treatment when received in a listed or approved hospital
In patient psychiatric treatmentAnnual limit: 28 days
  • In-patient and Day Care patient psychiatric treatment charges
  • Treatment in respect of accommodation, nursing, drugs prescribed in a ward
  • Specialist consultations and diagnostic procedures for psychiatric and mental conditions

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
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 procedures such as pathology and radiology
  • Specific treatments such as radiotherapy, chemotherapy and physiotherapy related to treatment recieved is fully covered
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 radiotherapy/ chemotherapyFull refund
  • In-/out-patient treatment including radiotherapy, chemotherapy, computerised tomography and MRI scans in full
  • For specialist services and necessary drugs administered at the time of the treatment
  • Consultant oncologists fees in full including treatment received
Out patient psychiatric treatmentAnnual limit: £600
  • Specialist consultations and diagnostic procedures for psychiatric and mental conditions
  • Treatment in respect of specialist consultations, ECT, diagnostic procedures including pathology and radiology

Additional benefits
Minor surgery by a GPAnnual limit: £600
  • Surgery undertaken at a specialists' consulting rooms or your local GP
  • Refund up to 90% of GP minor surgery charges up to a maximum annual limit as shown
  • Complementary therapist treatment includes alternative medicine, such as reflexology, chinese herbal medicine and most other similar treatments when referred by your GP
Parent accommodation if child needs an overnight stayFull refund
  • Accommodation for a parent accompanying a child under 12 years of age when medically necessary
  • Maximum limit applies for up to 13 weeks
Private AmbulanceFull refund
  • Private ambulance where medically necessary during the course of treatment
Post discharge home nursingAnnual limit: 13 weeks
  • 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
  • Payable up to a maximum of 13 weeks in each policy year
Cash benefit if treated by the NHSAnnual limit: £150 a day
  • Cash benefit when you are treated in a public ward under the NHS (and not as a private patient)
  • Daily limit will be paid for up to a maximum period of 13 weeks. Maternity admissions are excluded
Maternity benefitPer child: £700
  • Cash benefit for each birth when delivery and hospitalisation is provided under the NHS free of charge
  • To qualify for complications of pregnancy and NHS child birth benefit membership must be over 10 months
  • Payment up to 90% of total costs up to the maximum listed. Eligibility to benefits is available after a period of 18 months. Includes ante & post natal treatments
  • Obstetric procedures listed in the policy booklet
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
  • World wide travel insurance
  • Cover includes personal accident, personal liability, medical expenses, repatriation, luggage and personal money, delayed and missed departures
  • Any holiday or business trip up to 30 days
  • 24 hour dedicated emergency assistance contact line with multilingual medical support
Optical coverAnnual limit: £200
  • Spectacles and contact lenses
  • Payment up to 90% of total costs up to the maximum listed. Eligibility to benefits is available after a period of 6 months
  • Dental treatment includes prosthesis and in addition certain benefit maxima applies
  • Each member and eligible dependant who wears contact lenses will have their subscriptions increased by 10% when joining
Cover available for existing conditions 
  • Cover for many stable pre-exisiting conditions may be available following medical underwriting and subject to additional subsciption payment
Specialist consultations and diagnostics such as pathology and radiologyFull refund
  • Full cover in-patient and day-patient treatment
  • Full cover for out-patient treatment when recommended by a specialist
Consultations for acupuncture, osteopathy, chiropractic and homeopathyFull refund
  • Includes claims for other alternative or complementary treatments and includes, acupuncture, osteopathy, chiropractic and homeopathy
  • GP referral is not required but members are encouraged to consult a GP before obtaining treatment
  • Consultations must be for the purpose of obtaining treatment for a specific treatable medical condition
ChiropodyAnnual limit: £600
  • Policy Limit quoted is the sum total available for all alternative therapies other than acupuncture, osteopathy, chiropractic and homeopathy
  • GP referral is not required but members are encouraged to consult a GP before obtaining treatment
  • Consultations must be for the purpose of obtaining treatment for a specific treatable medical condition
  • Payment up to 90% of total costs of treatment up to a maximum of £600
Premium waiver under certain circumstances 
  • Redundancy or incapacity of member - subscription waived for 1 year. Benefit available after 6 months continuous unemployement
  • Death of member - dependants subscriptions waived for 1 year
Dental expensesAnnual limit: £1,000
  • Dental expenses and benefits payable
  • Payment up to 90% of total costs of treatment up to a maximum of £1,000.
  • Eligibility to benefits available after 6 months for routine dental treatment and 12 months for treatment including a fixed or mobile prosthesis
  • Benefit maxima apply within £1,000 limit
AcupunctureFull refund
  • Out-patient treatment is fully covered
  • GP referral is not required but members are encouraged to consult a GP before obtaining treatment
  • Consultations must be for the purpose of obtaining treatment for a specific treatable medical condition
HomeopathyFull refund
  • Out-patient treatment fully covered
  • GP referral is not required but members are encouraged to consult a GP before obtaining treatment
  • Consultations must be for the purpose of obtaining treatment for a specific treatable medical condition
Medical HerbalistAnnual limit: £600
  • Policy limit quoted is the sum total of benefit available for all alternative therapies other than acupuncture, osteopathy, chiropractic and homeopathy
  • GP referral is not required but members are encouraged to consult a GP before obtaining treatment
  • Consultations must be for the purpose of obtaining treatment for a specific treatable medical condition
  • Payment up to 90% of total costs of treatment up to a maximum of £1,000.
OsteopathFull refund
  • GP referral is not required but members are encouraged to consult a GP before obtaining treatment
  • Consultations must be for the purpose of obtaining treatment for a specific treatable medical condition
Podiatrist (Foot Surgeon)Full refund
  • GP referral is not required but members are encouraged to consult a GP before obtaining treatment
  • Consultations must be for the purpose of obtaining treatment for a specific treatable medical condition
ChiropractorFull refund
  • GP referral is not required but members are encouraged to consult a GP before obtaining treatment
  • Consultations must be for the purpose of obtaining treatment for a specific treatable medical condition
Children 
  • Children are covered providing they remain un-married
  • 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
  • Children may remain on policy until they are 25 (if in full time education) and will remain covered until the next annual policy review date
  • Unit price for 1st and 2nd child, all other children covered by 2nd child premium
Overall Policy Limit 
  • No overall limit to claims except where particular benefits have maximum levels applied
  • Maximum £2,000,000 for emergency medical expenses and treatment received abroad

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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