Private medical insurance – Benefits and exclusions

Summary of benefits on all plans

In–patient and day–patient treatment
Hospital charges. Consultants′/specialists′ fees
Diagnostic testsInvestigations such as X-rays or blood tests, to find or help to find the cause of your symptoms Radiotherapy and chemotherapy.
Out–patient treatment
Diagnostic scans – CT, MRI and PET. Surgical proceduresAn operation or other invasive procedure. Radiotherapy and chemotherapy
Additional benefits
Hospital–at–home. This is for treatment provided at home or another clinically appropriate setting for the administration of intravenous chemotherapy for the treatment of cancer or intravenous antibiotics, which otherwise would require you to be admitted for in–patient treatment or day–patient treatment.
Cash benefit of £50 paid for each night you receive free treatment under the NHS.
Overseas evacuation or repatriation service and evacuation and repatriation costs.
Parent accommodation. This benefit covers the cost of one parent staying in hospital with a child under 11 years old while the child is receiving eligible private treatment. The child must be covered by the policy and the benefit is paid from the child′s benefits.
Health at Hand – free phone access to our confidential medical information line.
£50 a day (up to £2,000 a year) for day–patient out–patient radiotherapy or chemotherapy you receive free under the NHS for the treatment of cancer.

Additional cover available depending on the plan you choose

In–patient and day–patient treatment
Psychiatric treatment.
Out–patient treatment
£300, £800 or unlimited cover for: Consultations with a consultant/specialist; Diagnostic tests; Physiotherapy and complementary practitioners′ charges.
Psychiatric treatment.

Summary of exclusions

Your cover does not include: general dental procedures, routine pregnancy and childbirth or complications of pregnancy and childbirth, chronic (long–term) medical problems, pre–existing conditions, or emergency/urgent treatment. A full list of exclusions will be included in your documentation pack.

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• How private medical insurance works
• Call 0800 032 1954 quoting 8216 for assistance