Corporate Healthcare Core Cover

Our core In-patient and Day-patient cover includes the following:

If your client's employees are staying in hospital, we will pay for any MRI, CT and PET scans they might need.  And we'll cover these scans as an out-patient if they are referred by their specialist.

Option flexibility:

• Limit of up to £2,000 in increments of £50

If your client's employees are diagnosed with cancer, we'll cover them for all in-patient and out-patient costs relating to their treatment, including:

• Radiotherapy, chemotherapy and follow-up consultations
• Biological therapies
• Hormone and bisphosphonate therapies
• Cancer surgery and reconstructive surgery
• Stem cell transplantation

If their cancer is no longer treatable, we will continue to provide them with the care that is needed to relieve any symptoms and to make them as comfortable as possible.

Everyone starts with Full Cancer Cover however your clients can downgrade this to Core Cancer Cover. 

Option flexibility:

• Exclude
• Core Cancer Cover
• In-patient: limit up to £250,000 in increments of £1,000
• Out-patient: limit up to £10,000 in increments of £500

Our cancer cover explained

If your client's employees choose to have NHS treatment rather than being treated privately through their plan, they could claim back a cash amount:

• £250 for each night they stay in an NHS hospital (up to £2,000 per plan year)
• £125 for day-patient treatment (up to £500 per plan year)

Option flexibility:

• Exclude
• Reduce the night limit in multiples of £50 to £0
• Reduce the per day limit in multiples of £25 to £0
• Increase the overall limit in increments of £500 to a maximum of £10,000

If your client's employees have a child and they've been covered on the plan for at least 10 months, we'll give them £100 whenever they have a child. We pay once per child, even if both parents are covered on the plan.

Option flexibility:

• Exclude or limit up to £250 in increments of £50

We cover In-patient and Day-patient treatment if your client's employees suffer from:

• ectopic pregnancy
• miscarriage
• missed abortion
• still birth
• post partum haemorrhage
• retained placental membrane
• hydatidiform mole

Option flexibility:

• Cover for a medically necessary caesarean section in a private facility

We cover a range of surgical procedures including removal of impacted teeth, buried roots and complicated roots.

If your client's employees specialist recommends it, we'll cover their home nursing costs to help them get back on their feet after a stay in hospital.

Option flexibility:

• Exclude or limit up to £5,000 in increments of £100

Your client's employees are covered for a private vehicle to take them between hospitals if it's medically necessary.

Option flexibility:

• Exclude or limit up to £5,000 in increments of £100

Some of your client's employees might have a child under 14 on their plan. If the child needs to stay in hospital overnight, we pay for hospital accommodation so that a parent can stay with them.

Option flexibility:

• Exclude or flex the age limit between 12 - 17 years

If your client's employees have been in hospital for more than 72 hours, for any condition eligible on their plan, they'll be entitled to Assistance at Home. From cleaning, to help getting in and out of bed, Assistance at Home will allow them to recover where they're most comfortable. The maximum benefit entitlement, subject to a needs assessment, is two weeks per hospitalisation, with up to two hours' care per day. Six weeks benefit in total is available per plan year.

These benefits are available for groups of 20 employees or more and will require a member co-payment of 25% of the retail rate for the initial consultation and following treatment.

Corrective surgery

 
Weight loss surgery

Cover will be available for Gastric banding and Gastric bypass

Surgery will be available to members with a BMI of 35 or greater (with a co-morbidity) or BMI 40+ (with no co-morbidity), subject to clinical approval.