Which plan is right for you?

What are the significant benefits?

Plan 1 provides comprehensive cover for eligible in-patient and out-patient treatment. This includes benefits for psychiatric treatment, radiotherapy and chemotherapy and full cover for out-patient physiotherapy. Additional benefits include cover for parent accommodation, private ambulance trips, full cover for complementary medicine, twins and triplets cash benefit and GP minor surgery.

Plan 2 also provides comprehensive cover for the core in-patient and
out-patient benefits, except out-patient physiotherapy is limited to £500 per person, per policy year. The additional benefits also include parent accommodation, private ambulance trips and £500 per person, per policy year for complementary medicine.

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 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.

Plan 4 only provides cover for eligible in-patient treatment. Out-patient treatment is only covered for radiotherapy and chemotherapy. Psychiatric and additional benefits are not covered.

* 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.