121 Healthcare Ltd

Policy Details for Norwich Union: Express Care

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Express Care: 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
  • 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
  • Each hospital is consigned to a Postcode District - (District 1-4 incl). An individuals postcode will determine which Hospital District list applies and the corresponding premium
Hospital chargesFull refund
  • Day-patient hospital accommodation charges
  • In-patient hospital accommodation charges
  • Operating theatre charges including surgical dressings and drugs
  • 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
  • All hospital fees if the hospital is listed by your policy
Medical or surgery feesFull refund
  • Surgeons and anaesthetists fees
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 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

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
  • On referral by your specialist, consultations, investigations and treatment are fully covered
Out patient physiotherapyFull refund
  • In-patient, day-patient physiotherapy fees in full
  • GP only, referral is limited to 10 sessions per annum for out-patient treatment only
  • Upon referral by a specialist (not GP), out-patient treatment is fully covered
Out patient radiotherapy/ chemotherapyFull refund
  • Diagnostic procedures which include pathology, radiology, CT and MRI scans
  • In-/out-patient treatment including radiotherapy, chemotherapy, computerised tomography and MRI scans in full

Additional benefits
Minor surgery by a GPFull refund
  • Minor surgery performed by your GP
  • Up to a maximum of £70 for each procedure will be paid for minor surgery performed by your GP
HospiceAnnual limit: £700
  • A daily contribution of £70 will be made to the hospice for care and for a maximum of 10 days
Parent accommodation if child needs an overnight stayFull refund
  • The hospital's charges where it is medically necessary for a parent to accompany a child under 9 in hospital
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
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
Maternity benefitFull refund
  • Complications of pregnancy cover only - available after 10 month membership
  • Obstetric procedures listed in the policy booklet
Emergency medical cover world wideFull refund
  • Full monitoring of your condition whilst an in-patient abroad
  • 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
  • Any holiday or business trip up to 90 days
Free medical help lineFull refund
  • A 24 hour advice and help line manned 365 days a year. Calls answered by qualified Doctors. Unlimited access
  • Helpline offers guaranteed access to a GP who will answer questions and offer medical advice over the phone
Specialist consultations and diagnostics such as pathology and radiologyFull refund
  • Full cover in-patient and day-patient treatment
  • Upon referral by a specialist (not GP), out-patient treatment including osteopathy, chiropractic, acupuncture and homeopathy are fully covered
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
AcupunctureFull refund
  • Upon referral by a specialist (not GP), out-patient treatment is fully covered
HomeopathyFull refund
  • Upon referral by a specialist (not GP), out-patient treatment is fully covered
OsteopathFull refund
  • Upon referral by a specialist (not GP), out-patient treatment is fully covered
ChiropractorFull refund
  • Upon referral by a specialist (not GP), out-patient treatment is fully covered
Children 
  • Newborn children included on policy free for the first 3 months. Thereafter payable
  • Children are covered providing they remain un-married
  • Children priced on an individual basis
  • Children covered until age 21
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
  • Pre-authorisation for treatment by phone (ClaimCall). A detailed confirmation letter will be sent within 24 hours for your use in consultations with specialists

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.