BCWA Healthcare : Accessible - Small Business

Product profile

Description

• Provides peace of mind throughout a period of ill-health, from the first consultation with a specialist to the delivery of medical treatment

• Designed to provide cover to diagnose and treat medical conditions that are likely to respond quickly to treatment, leading to your full recovery and returning you to the state of health you were in before suffering that episode of ill health.

Age

• Age 18 to 74

• Group policies are available to groups of 3 or more directors/partners/employees

Benefits

• Inpatient and day patient hospital fees

• Inpatient and day patient administration

• Inpatient and day patient nursing

• Inpatient and day patient intensive care

• Inpatient and day patient operating theatre charges

• Inpatient and day patient pathology

• Inpatient and day patient physiotherapy

• Inpatient and day patient diagnostic tests

• Inpatient and day patient drugs and dressings

• Inpatient and day patient prostheses

• Inpatient and day patient surgeons fees

• Inpatient and day patient anaesthetists fees

• Inpatient and day patient specialists fees

• Out-of –scale benefit

• Out-patient specialist consultations

• Out-patient radiology

• Out-patient pathology

• Out-patient physiotherapy

• Out-patient acupuncture

• Out-patient chiropody

• Out-patient chiropractic

• Out-patient osteopathy

• Out-patient podiatry    

• Radiotherapy and chemotherapy

• CT/MRI/PETscans

• NHS cash

• Hospice

• Maternity cash

• BCWA advice lines

• 24/7 counselling service

• Discounts on health screening

• Includes cancer cover

Not covered

• Long-term chronic conditions.

• Treatment outside the UK

• Emergency treatment overseas

• Routine dental treatment

• Routine GP or dental consultations

• Normal pregnancy/childbirth

• Psychiatric treatment

• Home nursing

• Out-patient drugs and dressings

• Private ambulance

• Parent accommodation

• Cosmetic surgery

• Self-inflicted illnesses and injuries

• Regular renal dialysis

Options

• Option 1: No medical assessment (moratorium)

• There is no need to provide any medical history. BCWA will not cover any pre-existing conditions that have occurred during the previous five years.

• Option 2: Full medical assessment

• You will need to complete a full medical questionnaire. BCWA       will then write with details of any specific medical conditions that are excluded, but may cover some pre-existing conditions

• Excess £75 or £150 or £ 300 or £375

• 4 levels of hospital scale

• National or Capital and National hospitals

Last updated: 11 August 2008