PHC : Company HealthCover4Life Plan 1

Product profile

Description

Comprehensive cover for eligible in patient and out patient treatment. This includes benefits for psychiatric treatment, radiotherapy and chemotherapy and full cover for outpatient physiotherapy. Also provides extensive cover for cancer at all stages of the disease including palliative treatment. Additional benefits include cover for parent accommodation, private ambulance trips, full cover for complementary medicine, twins and triplets cash benefit and GP minor surgery.

For 

Businesses insuring 3 or more individuals aged 18 to 65.

Flexibility

Within one scheme an employer can choose on an individual employee level to offer different levels of cover. For example:

• Different benefit levels – a group scheme can have a mixture of all four plans if required

• Different hospital options – the employer may wish to provide the London up-grade option for only a certain number of staff

• Different excesses – a group can have employees with and without excesses and/or on different levels of excess

Benefits

• In-patient and daycare accommodation
• In-patient and daycare nursing
• In-patient and daycare operating theatre
• In-patient and daycare recovery room
• In-patient and daycare prescribed medicines and drugs
• In-patient and daycare surgeons fees
• In-patient and daycare anaesthetists fees
• In-patient and daycare specialists fees
• In-patient and daycare consultations
• In-patient and daycare diagnostic procedures
• In-patient and daycare physiotherapy
• In-patient and daycare psychiatric services
• Parent accompanying child up to age 16
• Out-patient radiotherapy/chemotherapy
• Out-patient CT/MRI/PET scans
• Out-patient consultations
• Out-patient diagnostic procedures
• Out-patient physiotherapy
• Out-patient complementary medicine
• Out-patient psychiatric services
• GP minor surgery
• Home nursing at home
• Private ambulance
• NHS cash benefit
• Day-case NHS cash benefit
• Abnormal pregnancy benefit
• Twins benefit
• Triplets benefit

• Overseas emergency medical repatriation

• Cancer treatment

• Discounts on health screening
• Online health portal
• 24/7 telephone counseling

Not covered

• Treatment outside UK

• Normal pregnancy/childbirth
• Chronic (long term) conditions
• Pre-existing conditions
• Routine medical examinations
• Routine health screening
• Routine dental treatment
• Transplants
• Cosmetic treatment (except as the result of an accident)
• Infertility

Optional extras

• London Hospital Upgrade 

• Multi-trip travel insurance

Last updated: 30 June 2011