121 Healthcare Ltd

Policy Details for WPA: Flexible Health +Therapy + Out-patient

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Flexible Health +Therapy + Out-patient: 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
  • 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
Medical or surgery feesFull refund
    Therapy fees e.g physiotherapyFull refund
    • Full refund for hospital and specialist charges, radiotherapy and chemotherapy drugs administered as an in-patient
    In patient cancer treatment e.g. radiotherapy and chemotherapyFull refund
    • In-patient and day-patient radiotherapy and chemotherapy charges in full
    In patient psychiatric treatmentFull refund

      Out-patient treatment
      Consultation before a hospital stayFull refund
      • Physicians' fees and specialist consultations up to 100 per policy year
      Consultation after a hospital stayFull refund
      • Physicians' fees and specialist consultations up to 100 per policy year
      Out patient physiotherapyFull refund
      • Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
      Out patient radiotherapy/ chemotherapyFull refund
      • Full refund for hospitals and specialist charges, radiotherapy and chemotherapy as an out-patient
      Out patient psychiatric treatmentFull refund

        Additional benefits
        Minor surgery by a GPFull refund
        • Minor surgery performed by your GP
        HospiceAnnual limit: £100
        • Donation towards hospice
        Parent accommodation if child needs an overnight stayFull 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
        Private AmbulanceFull refund
        • Private ambulance where medically necessary during the course of treatment
        Post discharge home nursingFull refund
        • Up to 4 weeks per year by a qualified nurse
        Post discharge home nursing including home stayFull refund
          Cash benefit if treated by the NHSFull refund
          • 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
          Maternity benefitFull refund
            Emergency medical cover world wideFull refund
              Optical coverFull refund
                Personal accident coverFull refund
                  Free medical help lineFull refund
                    Cover available for existing conditions 
                      Specialist consultations and diagnostics such as pathology and radiologyFull refund
                        Consultations for acupuncture, osteopathy, chiropractic and homeopathyFull refund
                          ChiropodyFull refund
                          • Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
                          Premium waiver under certain circumstances 
                            Permanent and total disability benefitFull refund
                              Critical illness benefit 
                                Dental expensesFull refund
                                  AcupunctureFull refund
                                  • Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
                                  HomeopathyFull refund
                                  • Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
                                  Medical HerbalistFull refund
                                    OsteopathFull refund
                                    • Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
                                    Podiatrist (Foot Surgeon)Full refund
                                    • Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
                                    ChiropractorFull refund
                                    • Out-patient fees up to a maximum of £1,000 of benefit per policy year for total therapy costs
                                    Children 
                                      Overall Policy Limit 

                                        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.