AXA PPP healthcare : Business Health Select

Product profile

Description 

Makes private medical insurance for self-employed people much more affordable with options for choosing your cover and several ways you can control your premium.

For  

• Self-employed people

• Small businesses

• Insuring people age 18 or over

Benefits   

• Treatment in the UK in over 250 hospitals

• Access to 400 scanning centres and 37,000 specialists across the UK

• Health at Hand 24/7 helpline
  

Essentials – core cover

• In-patient and day-case hospital charges
  
• In-patient and day-case surgery
  
• In–patient and day–case consultations
  
• In–patient and day–case specialists fees
  
• In–patient and day–case diagnostic tests
  
• In–patient and day–case X-rays
  
• In–patient and day–case radiotherapy
  
• In–patient and day–case chemotherapy
  
• NHS cash benefit
  
• Out–patient CT/MRI /PET scans
  
• Out–patient surgery
  
• Out–patient radiotherapy
  
• Out–patient chemotherapy
  
• Ambulance transfers between facilities for medical reasons
  
• Parent accommodation for one parent when staying with a dependant child under 14
  

Cancer cover

• The insurer promises to meet customer needs at all stages of cancer and for heart surgery
  
• It will provide access to the very latest in treatment, drugs, agreed clinical trials, support and care for cancer
  
• It will cover treatment of cancer at every stage- no matter what path it takes, even if it recurs or spreads
  
• Will pay for new cancer drugs as soon as they are licensed and not wait for decisions from other bodies such as National Institute for Health and Clinical Excellence
  
• As well as covering all existing licensed cancer drugs, also cover experimental drugs when part of an ethically approved trial
  
• If offered an experimental treatment other than drugs, the insurer will consider that too
  
• Includes palliative care for cancer with no time limits or session limits on out-patient consultations for cancer
  
• Will give a £100 donation to a hospice charity for every night a customer receives hospice care
  
• Extra expenses for cancer treatment include up to £5,000 for external prostheses during active treatment, and up to £150 for wigs
  
• Will cover cancer treatment including secondaries;chemotherapy and radiotherapy, biological therapies, bone scans, bisphosphonate and hormone treatment
• Will cover specialist consultation visits for follow ups without time limit
  
• Where customers have out-patient benefit limited to specified cash limit cancer treatment costs will not be taken from this limit
  
• Will continue to cover customers throughout all stages of their cancer, even if it becomes terminal
  

Heart surgery

• Dedicated nurse service 
  
• For heart surgery follow ups, there is now no time limits for follow ups for coronary heart bypass,cardiac valve treatment, implantable devices such as defibrillators and pacemakers, or coronary angioplasty

Options

• Core out-patient
  
• Enhanced out-outpatient
  
• Full out-patient
  
• Out-patient only restriction
  
• Therapies
  
• Mental health
  
• Extra care
  
• Dentist and optician cashback
  
• Extra cancer cover
  
• Travel
  
• Family members
  
• 6-week option
  
• Excess of £0 or £100 or £250 or £500
  

Not covered

• Treatment outside the UK
  
• General dental procedures
  
• Normal pregnancy and childbirth
  
• Chronic (long–term) medical problems
  
• Pre–existing conditions
  
• Emergency/urgent treatment
  
• Treatment of injuries sustained from playing professional sport
  

Last updated: 17 January 2012