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Westfield Flex

Additional module: Surgery Choices: Access to surgery quickly

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

For just an extra £1.24 per employee, per week, employers can provide their staff with Surgery Choices cover. 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 your clients get their 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, they will be given a cash lump sum once they have undrgone 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

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 employer, 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.

Cover	Premium per employee
	per week	per month	per annum
Moratorium (5 – 499 employees)	£1.24	£5.37	£64.44

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