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WPA : Active Health




Product category:

Individual private medical insurance


Over 50



Product profile



Health insurance for active retirees with a high excess and lower premiums, plus cancer cover.


Special 2012 offer  for new customers

  • 20% discount will apply in the first year
  • A 12% discount will be applied to your renewal premium for your second year of cover
  • This offer is for new customers to WPA only
  • This offer is available for policies taken out by 9 July 2012
  • It does not apply to existing customers wishing to transfer their policy to the same plan or one providing similar cover



55 and over with no upper age limit


Basis of cover  

The £3000 or £5000 excess works on a rolling basis so once treatment costs exceed your excess limit, WPA will cover the cost in full for all eligible treatment for a further 12 months.



  • You choose any UK hospital

  • In-patient and day-case hospital treatment

  • In-patient and day-case surgeon fees

  • In-patient and day-case anaesthetist fees

  • In-patient and day-case accommodation charges

  • In-patient and day-case operating theatre fees

  • In-patient and day-case drugs, dressings and medicines

  • In-patient and day-case hospital and specialist treatment without surgery

  • In-patient and day-case emergency surgery

  • In-patient and day-case planned elective surgery

  • In-patient and day-case cancer surgery

  • Cancer treatment cover

  • Advanced cancer drugs not available on the NHS

  • NHS hospital cash

  • Prostheses

  • Out-patient pre-admission tests including blood tests, x-rays, ECGs

  • Out-patient pre-operative consultations and associated tests

  • Out-patient post-operative consultations and associated tests

  • Out-patient post-operative physiotherapy

  • Nursing at home

  • Private ambulance

  • Parent and child hospital accommodation charges

  • Hospice donation

  • Elective overseas treatment


Not covered

  • Pre-existing conditions

  • Chronic conditions

  • Fertility problems, pregnancy and childbirth

  • Neonatal treatment

  • Psychiatric conditions


  • Cosmetic surgery

  • Care and/or treatment arising from or related to taking part in winter sports ,scuba diving, extreme sports and motor sports or engaging in professional sport



  • Emergency abroad (not USA)

  • Shared risk excess of £3000 or £5000


Last updated: 20 June 2010

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