WPA : Flexible Health-essentials

Product profile

Description

A good value, surgery only plan which offers in-patient and day-patient benefits when you need non-emergency elective surgery for a diagnosed medical condition. It does not cover cancer surgery.

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
  

Age

18 to 65

Discounts if you are:

• Registered by the HMRC as self-employed

• A partner within a partnership of not more than two partners that employs no more than five additional salaried staff

• A director of a private limited company which employs no more than five additional salaried staff

• An owner of a franchise agreement
   

Benefits

• 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

• NHS hospital cash

• Prostheses

• Planned elective surgery

• 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

Not covered

• Treatment outside the UK

• Pre-existing conditions

• Chronic conditions

• Optical

• In-patient and day-case cancer surgery

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

• In-patient and day-case emergency surgery

• Any procedure or surgery performed on an out-patient basis

• Dental

• Fertility problems, pregnancy and childbirth

• Neonatal treatment

• Psychiatric conditions

• HIV/AIDS

• 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

• Nursing at home

• Private ambulance

• Parent and child hospital accommodation charges

• Out of pocket expenses

• Hospice donation

• Elective overseas treatment

• Health screening

Options

• Advanced cancer drugs not available on the NHS