If you choose the Outpatient benefit, you’ll be covered for up to £1,000 of outpatient services in each 12 month period to pay for:

  • Specialist consultations
  • Diagnostic tests, such as x-rays, blood tests and ultrasounds
  • MRI, CT and PET scans

Post-operative physiotherapy

By choosing the Outpatient benefit, you’ll also benefit from post-operative physiotherapy, which would be in addition to any physiotherapy provided by the hospital as part of your surgery package.

So, if you’re referred for physiotherapy after your surgery or procedure, we’ll cover you for post-operative physiotherapy. We’ll pay for up to 4 sessions if you’re referred by a GP and up to 10 sessions if you’re referred by a medical specialist.

The cost of these sessions doesn’t come from the £1,000 outpatient benefit pot. However, if this is your first outpatient claim of the year, and you have an excess on your policy, the excess is applied. This means that you would have to pay for the first £100 of physiotherapy.

This would be an unusual scenario though, as it’s likely that you would have made an outpatient claim before your surgery.