| 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
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| Hospital charges | Full 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
- 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
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| Medical or surgery fees | Full refund | |
| Therapy fees e.g physiotherapy | Full refund | - Full refund for hospital and specialist charges, radiotherapy and chemotherapy drugs administered as an in-patient
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| In patient cancer treatment e.g. radiotherapy and chemotherapy | Full refund | - In-patient and day-patient radiotherapy and chemotherapy charges in full
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| In patient psychiatric treatment | Full refund | |
| Out-patient treatment |
| Consultation before a hospital stay | Full refund | - Physicians' fees and specialist consultations up to £100 per policy year
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| Consultation after a hospital stay | Full refund | - Physicians' fees and specialist consultations up to £100 per policy year
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| Out patient physiotherapy | Full refund | - Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
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| Out patient radiotherapy/ chemotherapy | Full refund | - Full refund for hospitals and specialist charges, radiotherapy and chemotherapy as an out-patient
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| Out patient psychiatric treatment | Full refund | |
| Additional benefits |
| Minor surgery by a GP | Full refund | - Minor surgery performed by your GP
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| Hospice | Annual limit: £100 | |
| Parent accommodation if child needs an overnight stay | Full refund | - If it is medically necessary for a parent to accompany the child, the cost of staying overnight in a hospital, nursing home or hotel
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| Private Ambulance | Full refund | - Private ambulance where medically necessary during the course of treatment
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| Post discharge home nursing | Full refund | - Up to 4 weeks per year by a qualified nurse
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| Post discharge home nursing including home stay | Full refund | |
| Cash benefit if treated by the NHS | Annual limit: £3000 | - 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
- £100 per night going up to a maximum of £2000
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| Maternity benefit | Full refund | |
| Emergency medical cover world wide | Full refund | |
| Optical cover | Full refund | |
| Personal accident cover | Full refund | |
| Free medical help line | Full refund | |
| Cover available for existing conditions | | |
| Specialist consultations and diagnostics such as pathology and radiology | Full refund | |
| Consultations for acupuncture, osteopathy, chiropractic and homeopathy | Full refund | |
| Chiropody | Full refund | - Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
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| Premium waiver under certain circumstances | | |
| Permanent and total disability benefit | Full refund | |
| Critical illness benefit | | |
| Dental expenses | Full refund | |
| Acupuncture | Full refund | - Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
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| Homeopathy | Full refund | - Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
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| Medical Herbalist | Full refund | |
| Osteopath | Full refund | - Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
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| Podiatrist (Foot Surgeon) | Full refund | - Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
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| Chiropractor | Full refund | - Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
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| Children | | |
| Overall Policy Limit | | |
