BCWA Healthcare : Preferential Channel Islands - Small Business

Product profile

Description

• Preferential cover includes a comprehensive range of benefits to provide peace of mind throughout a period of ill-health, from the first consultation with a specialist to the delivery of medical treatment.

• To cover for the diagnosis and treatment of 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

• 18-64 resident in Channel Islands

• 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

• Inpatient and day patient psychiatric treatment

• 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

• Nursing at home

• Private ambulance

• Parent accommodation

• BCWA advice lines

• 24/7 counselling service

• Discounts on health screening

• Includes cancer cover

• Emergency treatment outside the UK /Channel Islands

• GP fees

• Medical air travel

Not covered

• Long-term chronic conditions.

• Non-emergency treatment outside the UK/Channel Islands

• Routine dental treatment

• Routine dental consultations

• Normal pregnancy/childbirth

• Out-patient psychiatric treatment

• Out-patient drugs and dressings

• 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

• Sixteen  excesses from £ 60  to £625

• Four hospital scales  A or B or C  or D

• Optical cover

• Dental cover 

Last updated: 11 August 2008