Private Medical Insurance

Plan options

Plan 1

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.

 

Plan 2

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.

Plan 3

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.

Plan 4

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.

 

Moratorium (two year rolling)

This means that if a member on the plan develops a new medical condition after the plan starts, they are covered for eligible treatment.

They won't need to complete a medical declaration before joining. If the member had an existing medical condition in the previous five years, then membership is on the understanding that they may be able to claim for it (and specified conditions) after: 

• they have been covered on the plan for two consecutive years as a member and;
• they have been completely free of any form of treatment, medical advice, drugs or medicines or special diets relating to that condition for a consecutive two year period.

For further information and to discuss your options please contact your cover adviser.

 

Full medical underwriting

Each member on the plan will be required to complete a medical history declaration and, in certain circumstances, provide a medical report. We will then decide whether any exclusions for any medical conditions should be applied to their plan.

For further information and to discuss your options please contact your healthcare adviser.

 

Medical history disregarded

Medical history disregarded (often called MHD) is a form of underwriting offered to larger company schemes.

Under this option, members (and dependants if applicable) are accepted onto the plan without the need to declare any medical history or sign a moratorium declaration. Any previous medical conditions members had before joining are eligible for benefit, subject to the terms and conditions of the plan the member is on.

For further information and to discuss your options please contact your healthcare adviser.

 

Continued personal medical exclusions switch

If you are currently insured, it may be possible to transfer your company plan on a continued personal medical exclusions (CPME) basis to PHC.

This means that we transfer each member’s current underwriting terms across to the new PHC plan rather than applying the moratorium or full medical underwriting as described above.

Please note that in order for individual members of your company plan to transfer on a CPME basis there must be no break in their cover. 

Additionally, it should be noted that as your company plan is transferring to a different plan, it may have different benefits and terms and conditions. It will only be the medical exclusions that were applied to individuals on your company plan by your previous insurer that will be continued under your new plan, not the previous plan benefits, terms and conditions.

For further information and to discuss your options please contact your healthcare adviser.