| Dental and Optical |
£100* |
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 3, 4 and 5 and Extra Cover Schemes, with a qualifying period of 12 months. |
| Practitioner: physiotherapy, osteopathy, chiropractic, acupuncture, homoeopathy, chiropody/podiatry |
£200* |
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 |
£400* |
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 |
£32
a day |
£16
a day |
£16
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
|
£32
a night |
£16
a night |
£16
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 |
£80 |
£40 |
£40 |
| 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 |
£120 |
£60 |
£60 |
| 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 |
£200 |
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 |
£250* |
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. |
| * half the cost up to the maximum |
