| Dental and Optical |
£200* |
Included |
Included |
The Dental and Optical category helps towards the cost of all dental care including check-ups as well as providing cash for sight tests and optical appliances (eg glasses and contact lenses). You can choose to take this benefit, for both categories, according to your own need. It is payable between all eligible registered persons in any 12 consecutive calendar months.
Qualifying period: 3 months. The cost of laser eye treatment (to correct long or short-sightedness) is included in Primary Schemes 300, 400 and 500 and Extra Cover Schemes, with a qualifying period of 12 months. |
| Practitioner: physiotherapy, osteopathy, chiropractic, acupuncture, homoeopathy, chiropody/podiatry |
£300* |
Included |
Included |
| Help towards the cost of consultation and treatment (not including medication or appliances) by a qualified and registered practitioner up to the maximum shown. This benefit may be used according to your own need for all categories. It is payable between all eligible registered persons in any 12 consecutive calendar months. Qualifying period: 3 months. |
| Specialist and investigations |
£600* |
Included |
Included |
| Help towards the cost of specialists' consultation fees, allergy testing, health screening, pathology tests, x-rays, scans, electrocardiograms and other investigations listed in the rules, all undertaken on an outpatient basis, up to the maximum shown. It is payable between all eligible registered persons in any 12 consecutive calendar months. Qualifying period: 3 months. |
| Day case surgery and treatment |
£50
a day |
£25
a day |
£25
a day |
| For a planned admission to occupy a bed for a day in a hospital or clinic to undergo surgery, treatment or a procedure. Limited to 8 occasions within any 12 consecutive calendar months for each eligible registered person. Qualifying period: 3 months. |
|
Hospital and hospice
|
£50
a night |
£25
a night |
£25
a night |
| Hospital insurance that pays for a wide range of admissions. |
|
General and hospice
For an inpatient admission to a hospital or hospice. Payable to each eligible registered person for up to 40 nights in any 12 consecutive calendar months. Qualifying period: 3 months.
|
|
Accident
For an inpatient admission to a hospital immediately following an accident. Payable to each eligible registered person for up to 40 nights in any 12 consecutive calendar months. No qualifying period.
|
|
Elderly and mental illness
For an inpatient admission to a hospital for elderly medical care/long stay/rehabilitation/respite/GP care or for a mental illness. Payable to each eligible registered person for up to 50 nights for elderly and 50 nights for mental illness from first registration, but not for more than 40 nights in a 12 month period. See rules for further information. Qualifying period: 3 months.
|
| Recuperation - After 7 Nights |
£100 |
£50 |
£50 |
| A recuperation grant is payable for each eligible registered person following each stay in a hospital or hospice for which benefit has been paid for a minimum of 7 nights. |
| Recuperation - After 15 Nights |
£150 |
£75 |
£75 |
| A recuperation grant is payable for each eligible registered person following each stay in a hospital or hospice for which benefit has been paid for a minimum of 15 nights. |
| Birth and adoption grant |
£300 |
Included |
|
| Payable to the contributor, whether mother or father of the child, for each registered birth in hospital or at home. Hospital cover benefit is payable in addition to the grant from the sixth night onwards. The grant is also payable for a registered adoption up to the age of 10. Qualifying period: 10 months. |
| Home care assistants and home help |
£375* |
Included |
Included |
| Help towards the cost of local authority services and some privately arranged assistance if supported by a doctor, up to the maximum shown. It is payable between all eligible registered persons in any 12 consecutive calendar months. Qualifying period: 3 months. |
|
Personal Accident
|
up to £10,000 |
Included |
Included |
If an accident results in Permanent Disablement or death the financial consequences can be enormous – quite apart from the emotional distress. Even less serious injuries can result in a lengthy period or confinement to the house. While you may be able to cope in the short term, a longer period of disability can put severe pressure on family finances.
Lump sum cash payments (shown below) when they are needed most could ease the financial burden. Contributors and their partner and dependant children are covered 24 hours a day, every day, whether at work, home or play.
A proportion of this sum will be paid depending upon the degrees of Permanent Disablement in accordance with the following scale.
For Insured Persons under 16 and those aged 66 to 75, the benefits payable shall be reduced by 50%. For insured persons aged 76 and over the benefit payable shall be reduced by 75% and Permanent Total Disablement benefit shall not apply.
The Personal Accident Benefits are underwritten on behalf of the HSF health plan by Chubb Insurance Company of Europe S.A. one of the world's leading Personal Accident underwriters. See the rules for full details. |
|
Permanent Disablement
|
Included |
Included |
Included |
|
Permanent total disablement
|
£10,000 |
Included |
Included |
|
Loss of sight in one or both eyes
|
£10,000 |
Included |
Included |
|
Loss of hearing in both ears
|
£7,500 |
Included |
Included |
|
Loss of hearing in one ear
|
£1,500 |
Included |
Included |
|
Loss of use of an arm, hand or leg above the knee
|
£10,000 |
Included |
Included |
|
Loss of use of a foot or leg below the knee
|
£5,000 |
Included |
Included |
|
Loss of use of a shoulder or elbow
|
£2,500 |
Included |
Included |
|
Loss of use of a hip, knee, ankle or wrist
|
£2,000 |
Included |
Included |
|
Loss of use of a thumb
|
£2,000 |
Included |
Included |
|
Loss of use of any finger or big toe
|
£1,000 |
Included |
Included |
|
Loss of use of any other toe
|
£500 |
Included |
Included |
|
Accidental death
|
£5,000 |
Included |
Included |
|
Temporary disability (not applicable to children under 16)
A weekly sum payable (normally by direct credit, normally in arrears) if following an accident, you are:
– unable to take up your normal paid occupation or any other paid employment; or are
– confined to the home (applicable only if you are not in paid employment at the time of the accident)
as certified by a qualified medical practitioner. Payable from the 31st day of your disability for up to 52 weeks. Odd days will be paid at one seventh of the weekly rate.
Although there is no qualifying period, the Temporary Disablement benefit is not payable for the first 30 days of each period of temporary disablement.
|
£24 per week |
Included |
Included |
|
Fracture of the leg – ankle, tibia and fibula, kneecap, femur and hip
|
£150 |
Included |
Included |
|
Fracture of the arm – wrist, radius and ulna, humerus and shoulder
|
£75 |
Included |
Included |
|
Overall fracture limit per accident
|
£375 |
Included |
Included |
| GP advice line |
Included |
Included |
Included |
This service is available 24 hours a day, 7 days a week and the telephone number will be given to you in your registration pack. The service allows you to speak with a qualified practising GP free of charge and at a convenient time. After making the initial call the doctor will telephone you. Every call is confidential and your details will not be passed on to anyone without your prior consent.
You can ask about all sorts of things including:
– an ache or pain that won't go way
– sensitive or confidential concerns
– explanations of diagnosis or treatment you may have been prescribed
– possible after-effects of surgery
– side-effects of any medication you are taking
– vaccinations you may need when you are travelling abroad and other health precautions relevant to your own personal medical history
The GP Advice Line is complementary to your NHS GP. In an emergency situation, you should contact your own NHS GP or the emergency services directly so as not to delay the appropriate treatment. This service is provided for HSF health plan by Medical Solutions UK Limited. |
| * half the cost up to the maximum |
