121 Healthcare Ltd

Policy Details for Norwich Union: Fair+Square

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Fair+Square: 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
Hospital chargesFull refund
  • Day-patient hospital accommodation charges
  • In-patient hospital accommodation charges
  • Operating theatre charges including surgical dressings and drugs
  • All hospital fees if the hospital is listed by your policy (Refunds in accordance with reasonable and customary fees for treatment)
  • 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
  • After a specialist advises a hospital stay for treatment, individuals have the choice to go private or receive treatment under the NHS and get money back (see NHS Cash payments)
Therapy fees e.g physiotherapyFull refund
  • Diagnostic procedures which include pathology, radiology, CT and MRI scans
  • In-patient and day-patient physiotherapy, radiotherapy and chemotherapy
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
  • Expenses for specialist consultations and diagnostic procedures such as pathology and radiology
  • On referral by your specialist, consultations, investigations and treatment are fully covered
  • Specific treatments such as radiotherapy, chemotherapy and physiotherapy related to treatment recieved is fully covered
  • Drugs and dressings used in out-patient appointments
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
  • 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
  • Diagnostic procedures which include pathology, radiology, CT and MRI scans
  • In-/out-patient treatment including radiotherapy, chemotherapy, computerised tomography and MRI scans in full
Out patient psychiatric treatmentAnnual limit: £750
  • 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 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 14 in hospital
Private AmbulanceFull refund
  • Private ambulance where medically necessary during the course of treatment
  • Immediately prior to or after treatment for in-patient or day-patient when recommended by a specialist
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
Cash benefit if treated by the NHSAnnual limit: £10,000
  • Cash benefit when you are treated in a public ward under the NHS (and not as a private patient)
  • Policy gives you the choice between going private or receiving substantial money back payment for eligible treatment under the NHS
  • Children under 18 years of age will receive money back payments for NHS treatment at half the adult daily entitlement
  • Treatment elected under the NHS instead of Private will receive £250 for every night spent in hospital. Remuneration for day patients £250 for each treatment
Maternity benefitPer child: £100
  • Cash benefit for each birth when delivery and hospitalisation is provided under the NHS free of charge
  • Complications of pregnancy cover only - available after 10 month membership
  • To qualify for complications of pregnancy and NHS child birth benefit membership must be over 10 months
  • Obstetric procedures listed in the policy booklet
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
  • Full cover for out-patient treatment when recommended by a specialist
Consultations for acupuncture, osteopathy, chiropractic and homeopathyFull refund
  • Referal by a GP for out-patient treatment including osteopathy, chiropractic, and physiotherapy is limited to 10 sessions per year in total
  • Upon referral by a specialist (not GP), out-patient treatment including osteopathy, chiropractic, acupuncture and homeopathy are fully covered
HomeopathyAnnual limit: 10 sessions
  • Limit applies as an aggregate for GP referred treatments as shown here
  • Upon referral by a GP out-patient treatment including osteopathy, chiropractic, and physiotherapy limited to 10 sessions per year in total
  • Upon referral by a specialist (not GP), out-patient treatment is fully covered
OsteopathAnnual limit: 10 sessions
  • Limit shown applies to all complementary medical treatments referred by your GP
  • Upon referral by a specialist (not GP), out-patient treatment is fully covered
  • Upon referral by a GP out-patient treatment including osteopathy, chiropractic, and physiotherapy limited to 10 sessions per year in total
ChiropractorAnnual limit: 10 sessions
  • Limit shown applies to all complementary medicine and treatments referred by your GP
  • Upon referral by a GP out-patient treatment including chiropractic, osteopathy and physiotherapy limited to 10 sessions per year in total
  • Upon referral by a specialist (not GP), out-patient treatment is fully covered
Children 
  • Children are covered providing they remain un-married
  • 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
  • Further premiums savings if eldest under 18 years of age
  • Single premium of eldest child under the age of 20 covers all younger children named on the policy
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
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.