You can claim when:

  • You are admitted as an in-patient to an NHS or private hospital/treatment centre or hospice and
  • You submit your claim in accordance with our Terms and Conditions

Or on a day when:

  • You are admitted to an NHS or private hospital/treatment centre as a day case patient and
  • You are required to sign a consent form and are allocated a bed – the use of which is normally for a period of supervised recovery and
  • You submit your claim in accordance with our Terms and Conditions

We will cover:

  • You at the day/night rate for your plan level

For:

  • A surgical procedure involving the use of theatre facilities when you’re admitted as a day patient, you sign a consent form and you have a local, regional or general anaesthetic. The surgical procedure is one that aims to treat disease, injury or abnormality by operating directly on or removing the affected body part, or removing a foreign body
  • Overnight in-patient admissions for treatment, tests or investigations
  • Maternity related in-patient admissions, from the 11th night that you have been an in-patient. You must give us evidence of the first 10 nights that you have spent in the hospital/treatment centre (these nights do not have to be consecutive)
  • A dependent child required to remain in the hospital/treatment centre following its birth, from the date that the mother is discharged
  • Claims submitted when the patient is discharged as an in-patient

We will not cover:

  • Out-patient attendances, including procedures carried out in an out-patient setting
  • Tests or investigations e.g. biopsies and endoscopies carried out for investigative purposes as a day patient
  • Treatment and/or pain relief administered by injection as a day patient
  • Cardioversion as a day patient
  • Out-patient visits for chemotherapy, radiotherapy or kidney dialysis
  • Admissions for rehabilitation, domestic reasons or respite care
  • Attendances at a GP or Dental surgery
  • Maternity related admissions for the first 10 nights
  • Any type of in-patient admission where the hospital/treatment centre could be regarded as your permanent residence
  • If you had a day surgery procedure and are admitted as an in-patient on the same day this counts as one event not two so only one day/night can be claimed
  • Exclusions (see section 6, General Terms and Conditions in your plan guide)

Please note, these details are intended as a general guide. For exact information about what’s covered in your plan, please refer to your plan guide. You can access it by logging in to My Westfield or by contacting our customer care team on 0114 250 2000 (available 8:30am–5:30pm, Monday to Friday, excluding public holidays).

Back to Help