We offer a range of private medical insurance policies, based around two underwriting styles, so you need to choose one of these before you select a policy. To do this, you need to decide whether you want to declare your medical history or not.
This offers limited cover – by just covering things like hospital stays and operations it will help reduce your premium.
The Assure Choice policy offers you cover as a UK resident, for private medical treatment in the UK, of new medical conditions that arise after you join. This includes in–patientTreatment which for medical reasons, means you have to stay in hospital overnight or for longer and day–patient treatmentTreatment which for medical reasons, means you have to go into a hospital or day-patient unit but do not have to stay overnight, and associated specialists' charges. In addition, it provides you with cover for out–patientTreatment given at a hospital, consulting room or out-patient clinic where you do not go in for day-patient or in-patient treatment surgical proceduresAn operation or other invasive procedure, CT, MRI and PET scans. You will start with a 40% no claims discount and provided you don't make a claim this will increase each year to a maximum of 50%. If you do need to make a claim, the no claims discount will drop. The minimum level is 0%.
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If you are willing to be treated under the NHS if your treatment is available within six weeks, you could reduce your premium further by choosing our 6 Week Option.
The Assure 6 Choice policy offers you the same benefits as Assure Choice, but only if the NHS cannot provide treatment for any out–patient surgical procedure, in–patient or day–patient treatment within six weeks of the date on which the treatment should be undertaken.
With Assure 6 Choice, if the NHS can give you the hospital treatment you need within six weeks, then you must use the NHS. However, you have immediate access for those operations listed in the benefits table in the membership handbook and for radiotherapy and chemotherapy performed as a day–patient treatment or out–patient treatment.
This offers comprehensive cover – including £800 cover for out-patient treatment.
The Ideal Choice policy offers you the same benefits as Assure Choice with the addition of up to £800 of benefits for diagnostic testsInvestigations such as X-rays or blood tests, to find or help to find the cause of your symptoms, out–patient consultations and complementary practitioner and clinical practitioner charges (including physiotherapy) for each person covered on the policy.
The Ideal 6 Choice policy offers you the same benefits as Ideal Choice, but only if the NHS cannot provide treatment within six weeks of the date on which the treatment should be undertaken. With Ideal 6 Choice, if the NHS can give you the hospital treatment you need within six weeks of the date on which the treatment should be undertaken, then you must use the NHS. However, you have immediate access for those operations listed in the benefits table in the membership handbook and for radiotherapy and chemotherapy performed as a day–patient treatment or out–patient treatment.
This offers cover for the more costly bills such as as hospital stays and operations. It also covers diagnostic scans such as MRI, CT and PET scans and treatment for radiotherapy and chemotherapy, but does not cover out–patient physiotherapy, diagnostic tests or consultations with a specialist.
This offers comprehensive cover – including £300 cover for out-patient treatment.
The AXA PPP healthcare Key policy offers you the same benefits as Assure with the addition of cover for out–patient surgical procedures, radiotherapy and chemotherapy and up to £300 of benefits for diagnostic tests, out–patient consultations and complementary practitioner and clinical practitioner charges (including physiotherapy).
The Ideal policy offers you the same benefits as AXA PPP healthcare Key with the addition of up to £800 of benefits for diagnostic tests, out–patient consultations and complementary practitioner and clinical practitioner charges (including physiotherapy) for each person covered on the policy.
This offers comprehensive cover – including unlimited cover for out-patient treatment.
The Premier policy offers you the same benefits as Ideal but with no annual maximum for diagnostic tests, out–patient consultations and complementary practitioner and clinical practitioner charges (including physiotherapy) for each person covered on the policy.
Firstly, you should be aware that private medical insurance won′t cover you for treatment of conditions you already had when you took out your policy. It is designed to cover you for new medical conditions that arise after you join.
To help you decide which policy suits your needs best, simply answer the following questions:
Consider a fully medically underwritten policy – which means:
With this option you can get a quote online, but will need to speak to us to buy a policy.
Consider a moratorium policy – which means:
With this option you can buy online and get a 5% discount!
Choose a policy that does not include cover for out-patient treatment.Treatment given at a hospital, consulting room or out-patient clinic where you do not go in for day-patient or in-patient treatment
Choose a policy that includes cover for out–patient treatment
You will be covered for up to £800 each year for out–patient treatment.
Which level of out-patient cover would you like?
It could cost around £120 for a consultant or specialist and £35 for a physiotherapist.
Choose our 6 Week Option
No need to wait for treatment
Based on your answers …… consider our Assure policy. Get a quote.
Get a quote for Assure
