121 Healthcare Ltd

Policy Details for Standard Life Healthcare: Primecare Gold

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Primecare Gold: 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 
  • Choice of a nationwide hospital list or choose the hospital network list and reduce the premium by 15%
  • An upgrade option is available for additional specialist hospitals in London
  • 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
Medical or surgery feesFull refund
  • Surgeons and anaesthetists fees
  • Surgical procedures performed on an in-patient or day care basis
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
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
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
  • 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: £1,200
  • 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
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
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
  • Recuperative care limited to 14 hours per week for a maximum 30 days, up to £1,000 per policy year
  • Payable up to a maximum of 13 weeks in each policy year
  • Limit quoted is the sum total amount payable for home nursing and applies to nursing which may include an overnight stay
Post discharge home nursing including home stayAnnual 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
  • Limit quoted is the sum total payable for home nursing and home nursing overnight stay
Cash benefit if treated by the NHSAnnual limit: £2,000
  • Cash benefit when you are treated in a public ward under the NHS (and not as a private patient)
  • These benefits are only paid for overnight stays
Maternity benefitPer child: £250
  • NHS maternity benefit for each birth where no claims are made for complications of pregnancy
  • Complications of pregnancy cover only - available after 10 month membership
  • Ante-natal and post natal consultations, test, investigations and confinement for a normal pregnancy - after 2 years membership - maximum payable £1,500
  • Member has been covered for at least 2 years prior to the birth
  • Obstetric procedures listed in the policy booklet
Emergency medical cover world wideAnnual limit: £3,000,000
  • 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
  • Any holiday or business trip up to 90 days
  • Emergency Assistance anywhere in the UK
  • Cover includes repatriation, personal accident, cancellation or curtailment, loss of baggage and legal expenses
Personal accident coverAnnual limit: £25,000
  • Cover only when abroard under world wide travel cover
  • World wide and UK cover available as an option to this policy
Free medical help lineFull refund
  • Includes access to GP advice line
  • Unlimited access to helpline and counselling service
Cover available for existing conditions 
  • After 2 years of continuous cover from the cover start date, all pre-existing conditions may become eligible for benefit
  • Minimum of 2 years to elapse and no medical advice or treatment has been given or advised by a specialist
  • Under no circumstances forego any medical treatment for the pre-existing condition as advised by a specialist
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 homeopathyAnnual limit: £1,000
  • Includes claims for other alternative or complementary treatments and includes, acupuncture, osteopathy, chiropractic and homeopathy
  • Policy limit quoted applies as the sum total of benefit available to all alternative medicines listed and includes consultations and specialist services
ChiropodyAnnual limit: £100
  • Limit shown applies to all complementary medicine and treatments referred by your GP
Premium waiver under certain circumstances 
  • Policyholder only. Maximum 5 years waiver (aged under 60) following in-patient hospital treatment and unable to return to work after 6 consecutive months
  • Up to 2 years premium waiver (aged under 60) after a continuous period of 3 month unemployment (6 months for self-employed)
Permanent and total disability benefitAnnual limit: £10,000
  • Payable to policyholder and insured husband, wife or partner only
Critical illness benefitAnnual limit: £1,000
  • Applicable to adults under the age of 60
Dental expensesAnnual limit: £1,000
  • Dental expenses and benefits payable
  • Higher limit of up to £5,000 cover for dental work as a result of an accident.
AcupunctureAnnual limit: £1,000
  • Policy limit quoted applies to all alternative medicines included within the policy
  • Upon referral by a Specialist (not GP), out-patient treatment is fully covered
HomeopathyAnnual limit: £1,000
  • Policy limit quoted applies to all alternative medicines included within the policy
  • Upon referral by a Specialist (not GP), out-patient treatment is fully covered
OsteopathAnnual limit: £1,000
  • Policy limit quoted applies as the sum total of benefit available to all alternative medicines listed and includes consultations and specialist services
ChiropractorAnnual limit: £1,000
  • Policy limit quoted is the sum total available for alternative treatments included within the policy
  • Upon referral by a Specialist (not GP), out-patient treatment is fully covered
Children 
  • Children are covered providing they remain un-married
  • Single premium of eldest child covers all other children
  • Children covered until age 21
Overall Policy Limit 
  • No overall limit to claims except where particular benefits have maximum levels applied
  • Maximum £3,000,000 for medical expenses and treatment received abroad
  • Low Cost Options Cover (when not already included) - 1. Dental Expenses, 2. Hospital Cash, 3. Personal Accident, 4. Critical Illness, all available from Standard Life

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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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.