121 Healthcare Ltd

Policy Details for Norwich Union: Group Fair + Square First

• Nationwide network of hospitals

• 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)
• 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

• 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)

• 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

• 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

• 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
• Diagnostic tests such as pathology and radiology fully covered

• 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
• GP only, referral is limited to 10 sessions per annum for out-patient treatment only

• Out-patient radiotherapy and chemotherapy charges as part of a diagnosed treatment
• Diagnostic procedures which include pathology, radiology, CT and MRI scans

• 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

• Up to a maximum of £70 for each procedure will be paid for minor surgery performed by your GP
• Surgery undertaken at a specialists' consulting rooms or your local GP

• A daily contribution of £70 will be made to the hospice for care and for a maximum of 10 days

• The hospital's charges where it is medically necessary for a parent to accompany a child under 14 in hospital

• Private ambulance where medically necessary during the course of treatment

• If it is necessary to replace hospital nursing
• 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 when you are treated in a public ward under the NHS (and not as a private patient)
• These benefits are paid for overnight stays and when you are a day care 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

• Complications of pregnancy cover only - available after 10 month membership
• Obstetric procedures listed in the policy booklet

• 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

• Any Pre-existing Condition is any medical condition which an insured person has received from the following list:
• 1. Treatment from any source
• 2. Medication or medical advice from any source
• 3. Was aware of or has had symptoms during the five years prior to commencement date
• Cover for many stable pre-exisiting conditions may be available following medical underwriting and subject to additional subsciption payment
• Treatment of pre-existing conditions are not covered unless full employee details are given at time of joining and we agree to cover them
• Depending on the size and profile of your group, there are a number of underwriting/ acceptance options available to you
• Continuing medical exclusions can be chosen if your company is transferring from an existing underwritten medical plan
• Medical History Disregared is available for groups with 20 or more employees, and thus may any enable pre-existing conditions to be covered providing they fall within the terms of the plan

• Full cover in-patient and day-patient treatment
• Full cover for out-patient treatment when recommended by a specialist
• Unique cover benefit. Provision of up to £150 cover per person per policy year for consultations for Non-acute conditions

• Policy limit quoted applies to all alternative medicines included within the policy
• 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 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 is fully covered

• 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 are covered providing they remain un-married
• Children may remain on policy until they are 24 (if they are in full time education) and will remain covered until the next annual policy review date
• Single premium of eldest child under the age of 20 covers all younger children named on the policy

• No overall limit to claims except where particular benefits have maximum levels applied
• Travellers Care (world wide travel insurance) - optional extra
• Optional increase for psychiatric cover.Your plan can provide up to £10,000 of combined cover for in-patient, day-patient and out-patient psychiatric treatment
• Pre-authorisation for treatment by phone (ClaimCall). A detailed confirmation letter will be sent within 24 hours for your use in consultations with specialists