Westfield Health - Foresight Health Cash Plan

Foresight: Surgery Choices

Additional module: Surgery Choices: Access to surgery quickly

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 provide your staff with Surgery Choices cover. Your employees will be covered for 60 non-urgent surgical procedures for conditions such as:

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

If an employee is unable to obtain speedy access to treatment on the NHS, they can access private treatment quickly with their Surgery Choices cover – giving them the choice and control over their healthcare and helping you get your key staff back to work quicker.

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.

Surgical Procedure Classification	Private Treatment Package	Employer 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

The 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

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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)

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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 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 Surgery Choices policyholder leaflet.

Medical History Disregarded (MHD) WITH EVIDENCE

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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 Surgery Choices policyholder leaflet.

Medical History Disregarded (MHD)

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

Cover	Premium per employee
Cover	per week	per month	per annum
Moratorium (10 – 499 employees)	£1.24	£5.37	£64.44
MHD with evidence (10 – 499 employees)	£1.61	£6.98	£83.76
CPME (10 – 499 employees)	£1.61	£6.98	£83.76
Moratorium (500-999 employees)	£1.24	£5.37	£64.44
MHD (500-999 employees)	£1.49	£6.44	£77.28
MHD (1000-5000 employees)	£1.15	£4.98	£59.76