Private health cover options for your insurance plan

Everyone's lifestyle and health needs are different. So you can add any of these options to your core health insurance cover. Just choose the cover you need.

Out-patient cover

If you choose our Out-patient cover, you'll be covered for seeing specialists outside a hospital admission. This means you won't have to wait for results, and you won't have to wait months to be treated.

 

This cover includes:

  • Specialist consultations
  • Physiotherapy
  • Diagnostic tests such as blood tests and x-rays

 

You can choose from full Out-patient cover, which includes unlimited Out-patient visits and diagnostic tests.

 

Or you can opt for limited cover, which includes specialist consultations, physiotherapy and diagnostic tests up to a set limit of £500, £750, £1,000, £1,250 or £1,500.

Therapies Cover

If you're suffering from back or neck pain, food intolerances or other general problems, your GP or specialist might refer you to a therapist.

 

Therapies include in our private health cover:

  • Chiropractic treatment
  • Osteopathy
  • Chiropody/podiatry
  • Acupuncture
  • Homeopathy
  • Two consultations with a dietician

 

Choose either:

  • Full cover
  • Cover up to £350 per plan year

 

 

Psychiatric Cover

Your health insurance can look after your mental health too. Our private health cover includes treatments such as:

  • Consultations and treatment with a psychiatrist or psychologist
  • Hospital stays

 

Levels of cover for each plan year:

  • £15,000 including an out-patient limit of £1,500
  • £20,000 including an out-patient limit of £1,500

 

Core Cancer Cover

To meet your needs and budget, you can reduce your Cancer Cover from Full Cancer Cover to Core Cancer Cover.

With Core Cancer Cover, we cover In-patient and Out-patient costs if they are diagnosed with cancer. These costs include:

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


* Limits apply to these therapies.

24hr GP helpline

No need to wait for an appointment.  Our private health cover option means you can talk to a doctor 24 hours a day, seven days a week.

Dental Cover

Choose from two levels of cover. Whichever you pick, you're free to choose your own dentist.

 

Major Dental Treatment


We'll provide you with private health cover for major dental treatment including:

  • Crowns
  • Bridges
  • Root canal treatment
  • Extractions
  • Dentures
  • Emergency dental work after an accident

 

Major and Routine Dental Treatment

With this option we cover everything in Major Dental Treatment. We also cover routine examinations and scaling and polishing. And we cover dental x-rays and fillings.

 

Dental Cover Major Dental Treatment Major and Routine Dental Treatment
Maintenance: routine examinations. Maximum of two claims each plan year   Up to £30 per claim
Maintenance: routine scaling and polishing. Maximum two claims each plan year   Up to £40 per claim
Maintenance: dental x-ray. Charges for radiography of teeth or jaws. Maximum of two claims each plan year   Up to £40 per claim
Treatment: fillings. Maximum of two claims each plan year   Up to £40 per claim
Crowns: new or replacement Up to £300 Up to £400
Inlay/onlay/overlay: new or replacement   Up to £100
Bridges/implants: new or replacement Up to £200 Up to £300
Root canal treatment Up to £150 Up to £250
Apicectomy Up to £100 Up to £150
Extractions Up to £150 Up to £250
Dentures: new or replacement Up to £250 Up to £350
Accidental dental: charges made by a dental practitioner or specialist for an accidental dental injury. Maximum of four claims each plan year Up to £2,500 per claim Up to £2,500 per claim
Emergency dental: Charges for immediate relief of severe pain, haemorrhage and/or infection. Maximum of two claims each plan year   Up to £300 per claim
Emergency call-out fees: Maximum of two claims each plan year Up to £50 per claim Up to £50 per claim
Worldwide Travel Cover
  • Up to £10 million emergency medical expenses overseas
  • Also covers everything from a lost suitcase to a delayed flight
  • Even includes Winter Sports Cover

 

Our Worldwide Travel Cover applies to trips of up to 120 days.

 

Travel benefit Amount of cover
Overseas medical expenses* Up to £10 million
Medical cover if taken ill overseas, including accommodation costs and travel expenses for one person to remain behind with the sick or injured member
Repatriation expenses*
Transfer of body or ashes back to the UK
Cost of burial or cremation outside the UK Up to £1,000
Loss or damage to personal baggage Up to £2,000*
Loss of personal money Up to £1,000*
Delayed departure Up to £100
Missed departure Up to £500*
Canceling the trip or cutting it short Up to £4,000*
Personal accident Up to £25,000
Personal liability Up to £2 million
Loss of passport Up to £250*
Delayed baggage Up to £200*
Legal expenses Up to £25,000
Winter Sports Cover (cover is limited to 21 days in total in a plan year)
Loss or damage to ski or snowboarding equipment Up to £500* each plan year
Loss of ski pass Up to £500* each plan year
Piste closure (£30 a day) Up to £500* each plan year
Loss of use of hired skis and ski pass due to illness or injury Up to £500* each plan year
Notes* 1: Benefits per each person covered, per holiday, unless otherwise stated. 2: A £50 excess applies to all benefits marked with an asterisk.
** This is based on an individual who is 59 or under
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Your Health Insurance Plan

With our health insurance we make sure you get the best medical care. If you get ill we don't want you to wait for treatment. And because you can choose the cover you want, you're able to create a plan to suit you.

See what's included in core cover

Full cover details

Your health insurance plan Core Cover Cover Options Choosing a hospital What we don't cover Your no claims discount Chronic conditions