Chamber Primary Health Plan
Chamber Primary Health Plan: Westfield Surgery Choices module
Additional module: Westfield 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 Westfield 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 Westfield 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, is 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 |
Surgery Choices fixed price 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
Learn moreIdeal 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)
Learn moreSuitable 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
Learn moreAn 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)
Learn moreAvailable for companies who cover more than 500 employees. All pre-existing medical conditions are covered.
| Cover | Premium per employee | ||
| per week | per month | per annum | |
| Moratorium (5 – 499 employees) | £1.24 | £5.37 | £64.44 |
| MHD with evidence (5 – 499 employees) | £1.61 | £6.98 | £83.76 |
| CPME (5 – 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 |
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.
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 Surgery Choices policyholder leaflet, section 3, Private Treatment – How does a fixed price treatment package work?.
When you arrange an appointment to talk to us about the Chamber Primary Health Plan for your business, you will be able to try a demo for yourself.
- Get your Q-ScoreTM and see how you compare to 100 people of the same age, gender and race as you
- Find out your risk of heart disease, stress, diabetes and six types of cancer
- Understand the impact of your lifestyle on the main health risks of today
- Learn just how healthy you could be
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