Benefits and Services - For you

Benefits for you (click here) Benefits for your children (click here)
Plan Level & Monthly Price
Plan Level		1	2	3	4	5
Monthly Price		£4.60	£9.25	£13.80	£19.15	£28.80
Essential Cover (1 year benefit period unless stated)
Optical (2 year benefit period)Money back towards your optical bills including: sight tests, prescription glasses, contact lenses and prescription sunglasses.	100%	£39	£82	£132	£187	£265
DentalMoney back towards you dental bills including: checkups, technician’s fees, treatments and dentures.	100%	£28	£67	£105	£140	£205
Dental TraumaMoney back towards the cost of any dental treatment carried out as a result of accidental injury.	100%	£56	£134	£210	£280	£410
ChiropodyMoney back towards the cost of treatment from a registered Chiropodist / Podiatrist.	75%	£35	£75	£115	£155	£225
Consultation (available for you / your partner / your dependent children)Money back towards the cost of diagnostic consultations with a registered Consultant Surgeon or Consultant Physician. Treatments are also covered on Levels 3, 4 and 5.	75%	£70	£135	£290	£390	£575
Physiotherapy, Osteopathy, Acupuncture & Chiropractic * Money back towards the cost of therapy treatments when recommended by your GP or Consultant.	75%	£200	£425	£625	£850	£1,250
Additional Benefits (1 year benefit period unless stated)
In patient (allowance per night) **Fixed cash payout when you are admitted as an in-patient to an NHS or private hospital, registered treatment centre or hospice.	100%	£11.50	£22	£38	£55	£77
Day Surgery (allowance per day) **Fixed cash payout when you are admitted to an NHS or private hospital or registered treatment centre as a day case patient.	100%	£13	£24	£42	£61	£85
Recuperation (2 year benefit period)Fixed cash payout when you are discharged following an in-patient stay of 14 or more consecutive nights.	100%	£50	£130	£220	£270	£440
Maternity / Paternity(per child)***Fixed cash payout when you are named as the mother or father on your child’s full birth certificate, or you are named as the legal adopter.	100%	£55	£115	£195	£265	£385
HomeopathyMoney back towards the cost of homeopathy treatments when recommended by your GP or Consultant.	75%	£35	£70	£100	£150	£200
Home Care ***Money back to help cover the cost of the ‘Package of Care’ commissioned by your Local Authority. You will need to provide us with a copy of your Care Plan.	75%	£125	£275	£450	£625	£900
Surgical ApplianceMoney back towards prescribed surgical appliances including: hearing aids, surgical supports, surgical shoes, orthotics, wigs and mastectomy bras.	75%	£55	£125	£175	£230	£335
Health Screening (2 year benefit period)Money back towards the cost of health screening including: full health screening, well-woman screening, well-man screening, breast screening, heart disease screening and bone density screening.	75%				£115	£150
MRI, CT & PET Scanning facilitiesAccess to MRI, CT and PET Scanning Facilities within 2 weeks of referral. Following referral from a Consultant, policyholders should call our Scanning Helpline on 0845 345 4556. For further information please see the Benefit Rules.
Your Health and Wellbeing Services
GP Telephone Consultation ‡ 24 hour service which enables you and your resident family to speak to a fully qualified UK GP at a time convenient to you, wherever you are in the world.
A-Z Health Website ‡ Access to a wide range of health information for you and your resident family
Health Club Concession Access to a national network of health and fitness clubs offering special deals on membership.
24 Hour Counselling & Advice Line ‡ Specialist teams of experienced counsellors, lawyers and medical staff are available 24 hours a day for advice on issues including stress, bereavement and relationship difficulties.
Up to 6 Face to Face Councelling SessionsIf recommended by your telephone counsellor, face to face counselling sessions will be arranged, with a qualified counsellor, at a location close to your home or work.
Personal Accident (accidental death)If you suffer bodily injury as a direct result of an accident, which within 24 months of the accident results in death or disablement, we will pay you in accordance with the scale printed at the back of the Policy Document.				£15,000	£25,000	£50,000
Personal Accident (permanent disability)If you suffer bodily injury as a direct result of an accident, which within 24 months of the accident results in death or disablement, we will pay you in accordance with the scale printed at the back of the Policy Document.				up to £15,000	up to £25,000	up to £50,000
Add or remove surgery choices below: (NB: adding surgery choices will update the premium amounts.)
Surgery Choices

The featured premiums include Insurance Premium Tax at the current rate and are subject to review in respect of any changes in taxation.

* In the case of therapy treatments, the amount shown represents a combined total for all the treatments. This amount can be used for any one, or combination of treatments.

** See Benefit Rules for maximum days or nights per benefit period.

*** available for you / your partner

‡ More information on how to access these services can be found within the Benefit Rules.

More information on each healthcare benefit, including details of limitations and exclusions, can be found in the Benefit Rules. The qualifying periods for each healthcare benefit are stated in Section 4, General Terms and Conditions.