Chamber Primary Health Plan

Additional Module: Westfield Surgery Choices

Waiting for a surgical procedure can be a stressful and expensive time for both you and your employees, sometimes resulting in long periods of absence from work.

From just an extra £1.24* per employee, per week, you can give your staff the reassurance that if they are unable to obtain speedy access to treatment through the NHS, they can access treatment quickly with their Westfield Surgery Choices cover. Helping you to get your key staff back to work sooner whilst minimising disruption in the workplace.

Employees will be covered for 60 different surgical procedures normally classed by the NHS as non-urgent, including:

These surgical procedures target those conditions that commonly cause long absences from work. Good news for both you and your employees.

Westfield Surgery Choices is different from Private Medical Insurance and is designed to complement your Westfield Healthcare Plan cover.

How does it work?

• Up to three operations per employee in any consecutive 12 month period
• Up to £100,000 per employee during the lifetime of their cover
• No medical required to apply for cover
• Immediate cover for new medical conditions
• Premiums are not age related
• Low P11D cost

NHS and private treatment covered

If an employee is assessed as unsuitable for private treatment** or prefers NHS treatment, you, the employer, are given a cash lump sum to help mitigate the cost of their possible longer absence from work.

Each surgical procedure is classified according to its medical complexity.

The Westfield Surgery Choices fixed price Private Treatment Package is the maximum amount made available for sourcing a treatment package for private surgery. Employer NHS Benefit is the amount of money payable to you, the employer, should your employee receive treatment through the NHS.

The right cover for you

  Moratorium

Ideal for companies without PMI. Pre-existing medical conditions are covered where your employee has been symptom free and has not sought advice or treatment for two consecutive years from the date that cover commenced.

  Continuation of Personal Medical Exclusions (CPME)

Suitable for companies transferring their staff from existing PMI cover. Any medical conditions previously excluded on their existing cover will not be covered. Any conditions which are included under the Westfield Surgery Choices policy which a policyholder has received treatment for prior to transfer will be eligible for benefit*. Evidence of the current Registration Certificate must be provided for every employee being transferred. New employees can be covered on a moratorium basis.

*Excluding planned and ongoing inpatient/daycare treatment being received at the time of the transfer. Please refer to the Definitions section in the Westfield Surgery Choices policyholder leaflet.

  Medical History Disregarded (MHD) with evidence

An ideal option for companies covering less than 500 employees who want to transfer their staff from existing PMI cover. Pre-existing medical conditions are covered for the policyholder providing evidence is given that the current PMI policy is underwritten on an MHD basis*. New employees can be covered on a moratorium basis.

*Excluding planned and ongoing inpatient/daycare treatment being received at the time of the transfer. Please refer to the Definitions section in the Westfield Surgery Choices policyholder leaflet.

  Medical History Disregarded (MHD)

Available for companies who cover more than 500 employees. All pre-existing medical conditions are covered.

Cover is available for 5 employees or more and must be for all employees or for a specified group of employees not selected on the basis of risk.

Westfield Surgery Choices cannot be purchased independently of a corporate paid Westfield Healthcare Plan and is available on a corporate paid basis only.

* Based on a minimum of 5 employees. £1.24 is the Moratorium premium. Premiums vary depending on the underwriting option chosen.
** Please refer to Westfield Surgery Choices policyholder leaflet, section 3, Private Treatment - How does a fixed price treatment package work?