Plan 4 Benefits
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.
| Benefits | Covered | Notes |
|---|---|---|
| In-Patient and Day-Care | ||
Nursing & accommodation Operating theatre/recovery room Prescribed medicines & drugs Diagnostic procedures Consultations Specialist physicians' fees Physiotherapy |
 |
Fees are paid in full within a private hospital or day-patient unit listed in the Directory of Hospitals. Please see the Policy Booklet for full details. |
| Out of directory cash benefit | £50 each day | Payable if you receive private in-patient /day-patient treatment at a hospital or day-patient unit not listed in the Directory of Hospitals. |
| Surgeons & anaesthetists' fees | |
Fees are paid in full under the above benefit when charges are up to the level within our published schedule of procedures and fees. Please see the Policy Booklet for full details. |
| Parent accompanying child | |
Fees paid for one parent to stay with a child under 14 covered by the policy. |
| Out-Patient | ||
| Radiotherapy and chemotherapy | |
|
| CT, MRI and PET scans |  |
|
| Consultations | |
|
| Diagnostic procedures | |
|
| Additional Benefits | ||
| Hospital at home | |
The cost of a nurse to administer intravenous chemotherapy or intravenous antibiotics at home. |
| NHS cash benefit | £100 a night | Up to a maximum of £2,000. Benefit is per person, per policy year. |
| NHS day-care benefit | £50 per claim | |
This is only a summary of the benefits provided. Please see the Healthcover4life Policy Booklet for full details.
The information above applies to policies incepted or renewed after 1st January 2012. If you have an existing policy with PHC your policy may currently may have different benefits or terms and conditions. Please click here for further information, or alternatively please contact Policy Management on 01923 770000 to discuss the terms applying to your policy.