WPA : Flexible Health-premier

Product profile

Description 

Enhanced cover, with the ability to tailor your cover and premium

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
   

Basis of cover 

Shared responsibility allows you to take greater control of your healthcare costs and make significant savings on your premiums. Unlike an excess, the cost of your medical treatment is shared on a co-payment basis, as a 25/75 split (WPA pay 75% and you pay 25%) until your contribution reaches your chosen SR level (maximum annual limit).  Thereafter, WPA will pay 100% of eligible treatment costs until your next renewal date. Your 25% contribution to claims for all children under 18 will be deducted from the oldest person’s SR level. By increasing the level you can reduce your premiums by up to 50%.

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

• 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

• 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

• Nursing at home

• Private ambulance

• Parent and child hospital accommodation charges

• Out of pocket expenses

• Hospice donation

• Elective overseas treatment

Not covered

• Pre-existing conditions

• Chronic conditions

• Optical

• In-patient and day-case cancer 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

• Health screening

Options

• Cancer treatment cover

• Advanced cancer drugs not available on the NHS

• Extra out-patient cover  including dental, optical and health screening

• Emergency abroad (not USA)

• Dental cover

• Premium hospitals

• Shared responsibility levels £250 or £500 or £1000 or £3000