Product profile
Description
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Unlike other healthcare policies, where premium is lost whether you claim or not, this puts half of each monthly payment into a personal deposit account for each person.
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An unrestricted choice of private hospitals and treatment locations, as well as the option to use the NHS.
For
Businesses insuring two or more directors, partners or employees, aged 18 - 68
Benefits
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Fixed monthly premiums for life
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Policy continues automatically with no annual renewal
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Surgical operations
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Consultations
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Physiotherapy
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Cancer treatment
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Heart surgery
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Diagnostic investigation
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Acupuncture
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Homeopathy
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Chiropody
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Ambulance fees
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Bridges
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Crowns
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Dentures
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Fillings
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New contact lenses
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New glasses
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Repairs
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Prescription sunglasses
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NHS Hospital stay benefit payments
Not covered
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Pre-existing conditions
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Cosmetic treatments
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Dental and optical claims in the first six months of your policy
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Dental check-ups
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Drugs and dressings
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Eye tests
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GP charges
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HIV or AIDS related conditions
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Long-term or chronic conditions
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Treatment outside the UK
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Pregnancy or fertility related treatments
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Surgical or medical appliances
How it works
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You pay your monthly premiums by direct debit. This amount will depend on the type of account you choose, your age when you join and the level of healthcare cover you want.
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Half goes towards the cost of running the scheme and the other half goes into your own personal deposit account.
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If you need to make a claim, your personal deposit account will pay a set percentage of the cost based on your age and account type.
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The amount you can claim depends on the level of cover you've chosen, how much you have in your personal deposit account and if you have taken the early years top-up option.
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You can take the early years top-up option to give you an additional £20,000 of medical cover to call on in the first five years, if you don't have enough money in your deposit account to pay your share of a claim.
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You can boost your personal deposit account balance at any time by paying in extra money, which will increase the amount you can claim in the future, up to your chosen level of cover.
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You can also withdraw money from your personal deposit account, but this will lower your balance and is likely to reduce the amount you can claim.
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After the first five years you will receive an annual loyalty reward, which is paid directly into your personal deposit account.
Options
Choice of monthly premium
