Product profile
Description
This offers limited cover – by just covering things like hospital stays and operations it will help reduce your premium.
Age
18 plus
People who want to declare their medical history
Those who are willing to be treated under the NHS if your treatment is available within six weeks
Basis
Moratorium policy
Cover only applies if the NHS cannot provide treatment for any out-patient surgical procedure, in-patient or day-patient treatment within six weeks of the date on which the treatment should be undertaken.
If the NHS can give you the hospital treatment you need within six weeks of the date on which the treatment should be undertaken, then you must use the NHS. However, you have immediate access for other operations and for radiotherapy and chemotherapy performed as a day-patient treatment or out-patient treatment.
Benefits
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Treatment in the UK in over 250 hospitals
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In–patient and day–patient hospital charges
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In–patient and day–patient consultants fees
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In–patient and day–patient specialists fees
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In–patient and day–patient diagnostic tests
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In–patient and day–patient X-rays
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In–patient and day–patient blood tests
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In–patient and day–patient radiotherapy
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In–patient and day–patient chemotherapy
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In–patient and day–patient physiotherapy
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Out–patient CT/MRI /PET scans
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Out-patient surgery
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Hospital–at–home
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NHS cash benefit
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Parent accommodation
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Overseas evacuation / repatriation service and costs
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Complications of pregnancy and childbirth
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Health at Hand 24/7 helpline
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No-claim discount
Not covered
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General dental procedures
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Routine pregnancy and childbirth
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Chronic (long–term) medical problems
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Pre–existing conditions
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Emergency/urgent treatment
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Out-patient specialist consultations
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Out-patient diagnostic tests
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Out-patient physiotherapy
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Out-patient psychiatric treatment
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Out–patient radiotherapy
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Out–patient chemotherapy
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Out-patient complementary therapies
Options
Want to know more?
Last updated: 18 January 2008
