HealthCover4life offers four distinct plans with rich levels of benefits.
Additionally, PHC Plus is available on Plans 1 and 2. This optional upgrade further enhances your cover by providing five extra benefits:
Please note that to enjoy the benefits of the Plus module all members of your group plan must be included on the Plus module.
For full details of the cover offered by these plans, including what isn’t covered and any limitations, please refer to your handbook.
We’re not just there to help when things don’t go to plan however. We’re also on hand to help keep members fighting fit and living life well. So, we’ve built an array of Health and Wellbeing services that support our members in doing just that. Plus, you can take comfort in knowing that all four plans benefit from the following services as standard.
Provides comprehensive cover for the core in-patient and out-patient benefits. Additional benefits include cover for parent accommodation, private ambulance trips, home nursing, NHS cash benefits and full cover for physiotherapist, therapist, acupuncturist and homeopath treatment and newborn benefit.
Ways to tailor Plan 1:
Option a excludes all psychiatric cover and Plan 1 Plus and Plan 1a Plus provide additional benefits.
Provides comprehensive cover for the core in-patient and out-patient benefits. Additional benefits include cover for parent accommodation, private ambulance trips, home nursing, NHS cash benefits and a combined overall limit of up to £1,500 per plan year for psychiatric treatment, physiotherapist, therapist, acupuncturist and homeopath treatment.
Ways to tailor Plan 2:
Option a excludes all psychiatric cover and Plan 2 Plus and Plan 2a Plus provide additional benefits.
Provides full cover for core in-patient benefits, out-patient CT, MRI and PET scans and radiotherapy and chemotherapy.
Additional benefits include cover for parent accommodation, private ambulance trips, home nursing, NHS cash benefits and a combined overall limit of up to £1,000 per plan year for psychiatric treatment and out-patient therapies treatment.
Ways to tailor Plan 3:
Option a excludes psychiatric cover.
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 a surgical out-patient is not available on the NHS within six weeks of the date it is needed, then prompt access to treatment is available under the plan. Please note that excesses are not available on Plan 3b.
Provides cover for eligible in-patient treatment and day-patient treatment. Out-patient treatment is limited to two specialist consultations per year and £500 for physiotherapist, therapist, acupunturist and homeopath treatement. Psychiatric and additional benefits are not covered under this plan.
Our Directory of Hospitals lists the hospitals, day-patient units and scanning centres and other private healthcare facilities which you will have access to under our company private medical insurance plans.
These have been selected following a comprehensive assessment of their quality, value and range of services.
Our national Directory of Hospital lists in the region of 480 hospital and day-patient units in the UK. These include specialist centres offering oral surgery and cataract surgery, scanning facilities and psychiatric and rehabilitation units.
If you choose our national Directory of Hospitals, you’ll be able to extend hospital cover to include additional London hospitals and out-patient centres associated with them, by simply selecting the London Upgrade. The London Upgrade will incur an additional premium.
This optional upgrade can be selected for all members or individual members of your group plan. Just make sure that the upgrade is selected when you join us or at your renewal.
There is also the option to select our Specified Hospital List. This carefully selected list provides medical treatment through two of the country’s largest networks of private hospitals – Spire Healthcare and Ramsay Health Care UK.
By working with just two hospital groups, we’re able to offer more competitive premiums.
Please note: If you select the Specified Hospital List, all members of your group plan will be required to have this option.
Please note: The PHC Plus module is not available with the Specified Hospital List Option.
A simple way to reduce the cost of your company plan premium is to introduce an excess.
We are able to offer complete flexibility enabling you to mix and match excess levels on your group plan. You may choose to have an excess for some company members and none for others.
We offer a range of excess options.
Please note: Excesses are not available on Plan 3b*. Excess options on Plan 4 are £100, £250 and £500 only.
When you take out a company plan with PHC we will need to ‘underwrite’ the members of your plan. Underwriting is how we assess the risk and determine what cover will be available for each individual member of your plan.
Your company plan will be accepted on one of the following underwriting basis:
*Plan 3b is not available to new members. Plan 3b remains available to those who already have it as their benefit choice.