Plan 3 benefits

Plan 3 provides full cover for core in-patient benefits, out-patient CT, MRI and PET scans and radiotherapy and chemotherapy. Cover is included for psychiatric treatment and out-patient treatment is covered up to £1,000 per person, per policy year. Additional benefits include parent accommodation, private ambulance trips and NHS cash benefits.

There are an additional two options available on Plan 3:

Option a excludes psychiatric cover and gives a 5% discount on Plan 3 premiums.

Option b is a six week wait plan* (excluding psychiatric cover) which means that if the treatment required as an in-patient,
day-patient or as surgical out-patient is not available on the NHS within six weeks, then prompt access to treatment is available under the plan. Option b has a 25% discount on Plan 3 premiums.

Benefits	Covered	Notes
In-Patient & Day-Care
Nursing & accommodation
Operating theatre/recovery room
Prescribed medicines & drugs
Diagnostic procedures
Consultations
Physiotherapy
Surgeons' & anaesthetists' fees
Specialist physicians' fees
Psychiatric services		Up to a maximum of 28 days per person, per policy year
Parent accompanying child		Up to age 16
Out-Patient
Section a
CT, MRI & PET scans
Radiotherapy & chemotherapy
Section b		All benefits in section b have a combined overall limit of £1,000 per person, per policy year.
Consultations		Within £1,000 limit
Diagnostic procedures		Within £1,000 limit
Physiotherapy		£250 within £1,000 limit per person, per policy year
Complementary medicine		£250 within £1,000 limit per person, per policy year
Psychiatric services		£500 within £1,000 limit per person, per policy year
Additional Benefits
GP minor surgery
Home nursing
Private ambulance		£250 per person, per policy year
NHS cash benefit		£100 per night, payable up to a maximum of £2,000 per year
NHS day-care benefit		£50 per claim
Benefit for abnormal pregnancy
Twins benefit
Triplets benefit
Overseas emergency medical and repatriation
Options
Option a
Removal of psychiatric benefit		5% discount
Option b
Six week wait & removal of psychiatric benefit		25% discount

This is only a summary of the benefits provided. Please see the individual Benefit Schedules and Plan Terms and Conditions for full details.

* Terms and conditions, six week wait definition: If your policy has a 6 week wait option, as Plan 3b, then any inpatient treatment, day patient treatment or, outpatient surgical treatment listed in your benefit table will not be covered unless it is unavailable on the NHS for a period of at least 6 weeks from the date your specialist/consultant confirms that treatment is required.