Legal & General has launched a new private medical insurance plan, HealthCare Choices, designed to meet the needs of customers who are looking for more flexibility in their healthcare provision.
It is a Choice of Cover health insurance product with 10 modules, and is at present only available via specialist insurance intermediaries.
There are four core modules to choose from:
- In-patient and day care
- Full out-patient
- Selected out-patient
- Cancer Treatment
Six other modules can only be taken if a core module is bought:
- Therapies cover
- Psychiatric care
- Everyday health
- Family care
- Support services
- Optical and dental cash
- No claims discount of up to 65%
- Excess options from £0 to £5000
- Option of London or Provincial hospitals
- For individuals or small businesses
The Cancer Treatment module provides private healthcare cover for treatments after cancer has been diagnosed. This includes hospital accommodation charges, radiotherapy/chemotherapy costs, nursing at home, test and scans as well as cash payments for overnight and day care admission.
The Family Care module provides additional benefits geared to meeting healthcare needs for a family by providing benefits that cover childbirth complications, parental accommodation should a child need to stay in hospital, a maternity cash payment for each birth and a donation to a hospice for care provided.
The Support Services module is designed to provide additional help and advice, such as unlimited access to a telephone consultation service that is manned by GPs who are able to provide explanations on diagnosis or treatments as well as general medical advice. There is also unlimited access to a stress helpline, payment protection if unable to work due to illness and discounted gym membership at over 1,000 gyms across the UK.