Westfield Flex Health Cash 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.

For 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:

  • Gynaecological conditions
  • Hernias
  • Tonsil problems
  • Hip replacement
  • Knee problems
  • Gallstones
  • Slipped discs
  • Varicose veins

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, they will be given a cash lump sum once they have undergone their surgical procedure..

Each surgical procedure is classified according to its medical complexity.

Surgical Procedure Classification Private Treatment Package NHS Benefit
BAND A Up to £3,000 £500
BAND B Up to £6,000 £1,500
BAND C Up to £10,000 £2,500

Westfield Surgery Choices fixed price private treatment package is the maximum amount made available for sourcing a treatment package for private surgery. NHS Benefit is the amount of money payable to the employee, should they receive treatment through the NHS.

Pre-existing medical conditions are covered where an employee has been symptom free and has not sought advice or treatment for two consecutive years from the date that cover commenced.

Type of cover Premium per employee
per week per month per annum
Moratorium £1.24 £5.37 £64.44

* Please refer to Westfield Surgery Choices policyholder leaflet, section 3, Private Treatment - How does a fixed price treatment package work?