PHC : Company HealthCover4Life Plan 3

Product profile

Description 

Full cover for core in-patient benefits, out-patient CT, MRI and PET scans and radiotherapy and chemotherapy. Cover is included for psychiatric treatment and out-patient treatment is covered up to £1,000 per person, per policy year. Additional benefits include parent accommodation, private ambulance trips and NHS cash benefits.

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
• Home nursing at home
• Private ambulance
• NHS cash benefit
• Day-case NHS cash benefit
• Abnormal pregnancy benefit

• 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
• GP minor surgery
• Twins benefit
• Triplets benefit
• Overseas emergency medical repatriation

Optional extras

• London Hospital Upgrade 

• Multi-trip travel insurance

• Removal of psyschiatric benefits

• 6 week wait cover

Last updated: 30 June 2011