121 Healthcare Ltd

Policy Details for Clinicare: Classic

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Classic: 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
  • Surgical procedures performed on an in-patient or day care basis
  • 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
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
  • 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 up to 100 per policy year
  • 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
  • Specialist consultation must follow related in-patient treatment
  • On referral by your specialist, consultations, investigations and treatment are fully covered
  • Diagnostic procedures such as pathology and radiology
Out patient physiotherapyFull refund
  • In-patient, day-patient physiotherapy fees in full
  • Out-patient physiotherapy that directly follows in-patient treatment and is part of the original treatment is covered 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
  • 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
  • Benefits apply to each insured member per year and is the maximum cover under the scheme

Additional benefits
Parent accommodation if child needs an overnight stayAnnual limit: £80 a day
  • 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: 6 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 6 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: £150
  • 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
  • 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
  • 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
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
  • Upon referral by a specialist (not GP), out-patient treatment including osteopathy, chiropractic, acupuncture and homeopathy are fully covered
Premium waiver under certain circumstances 
  • Redundancy or incapacity of member - subscription waived for 1 year
  • Death of a member - dependants' subscription waived for 1 year
AcupunctureFull refund
  • Out-patient treatment charges full refund on referral by a specialist or GP
HomeopathyFull refund
  • Out-patient treatment charges full refund on referral by a specialist or GP
OsteopathFull refund
  • Out-patient treatment charges full refund on referral by a specialist or GP
ChiropractorFull refund
  • Out-patient treatment charges full refund on referral by a specialist or GP
  • 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,
GL53 7JT

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

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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.