A guide to Health Select/Health Select 6

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "A guide to Health Select/Health Select 6"

Transcription

1 Private healthcare insurance A guide to Health Select/Health Select 6 Put your health first with private healthcare insurance from AXA PPP healthcare healthcare

2 Nothing is more important than your health We all know it s important to keep healthy, and we all do our bit to maintain a healthy lifestyle. But it s also important that if you do fall ill, you can access treatment quickly and feel in control. Why choose AXA PPP healthcare? Private healthcare insurance brings you peace of mind Private healthcare insurance is designed to make you feel secure when you require medical treatment. It makes sure that when you need treatment covered by the plan you will be cared for comfortably, quickly and given a greater choice about where and when you receive treatment. It also offers you flexibility around appointment times, and a choice of expert specialists, consultants and surgeons. If you do need to have hospital treatment, maintaining your privacy during stressful times is of real importance with private rooms usually offering the comfort of en-suite facilities and your own TV and telephone. It s often the little things that our members and those close to them really appreciate when they re in a private hospital; typically from a choice of nutritionally balanced meals to the flexibility of free hospital parking for visitors who are unrestricted by set visiting hours. Choosing the right plan for you will depend on your budget and the level of cover you select to meet your needs but you can be confident that you will receive a high quality of service from AXA PPP healthcare. Member satisfaction It is vitally important that our members are satisfied with the service they receive. That s why 86% of recently surveyed* members are very satisfied with AXA PPP healthcare. Fast Track Appointments Our Fast Track Appointments team gives you prompt access to specialists. We ll find up to three specialists for you to choose from, getting you seen as quickly as possible. Prompt access to our extensive hospital network We have a network of over 250 hospitals throughout the UK and access to over 24,000 recognised consultants and other practitioners. Enhanced support for cancer and heart patients We provide a special Dedicated Nurse helpline for all members who have been diagnosed with cancer or a heart condition. From the moment you are diagnosed, your dedicated nurse will be available to provide you and your family with telephone support, guidance and information. Health at Hand our medical information line is there for you, 24/7 You ll have telephone access to our Health at Hand team of experienced health professionals. They ll be available via our 0800 helpline to answer any questions on your health and wellbeing. Award winning private healthcare insurance Winners of Your Money Best Healthcare Provider for 2012 and *May 13 Oct 13 survey of 303 members.

3 Your plan cover What s included in our Health Select cover? With our Health Select plan you get the core cover Essentials detailed below. You then pick from any of our Add-ons on the next page to tailor your cover exactly how you want to. Benefits Essentials In-patient and day-patient treatment for day treatment and overnight stays in hospital. Hospital charges for treatment in a hospital listed in the Directory of Hospitals. Specialist fees. Diagnostic tests on specialist referral. Cash benefit of 50 each day towards the cost of day-patient treatment and 50 each night towards the cost of in-patient treatment in a hospital not listed in the Directory of Hospitals. Out-patient treatment for treatment that does not require a day or overnight stay in hospital. Surgical procedures. Active treatment of cancer including charges for radiotherapy and chemotherapy. Computerised tomography (CT), magnetic resonance imaging (MRI) and positron emission tomography (PET) on specialist referral in a scanning centre listed in the Directory of Hospitals. Additional benefits providing you with extra support and care. Day-patient and out-patient NHS radiotherapy and chemotherapy cash benefit of 50 a day up to 2,000 year. Parent accommodation for one parent to stay with a child under 16 receiving private treatment covered by the policy. Ambulance transport when medically necessary to transfer you between facilities. What isn t covered? Our plans are not intended to cover all eventualities and are designed to complement rather than replace all the services provided by the NHS. The following show some of the treatments and conditions not covered by this plan. Treatment for medical conditions that existed, or you had symptoms of, before joining (please see page 8). Ongoing, recurrent or long term treatment of long term illnesses, also known as chronic conditions. Routine pregnancy and childbirth Any treatment costs that are a result of engaging in or training for any sport for which you receive a salary or monetary reimbursement, including grants or sponsorship (unless you receive travel costs only) Charges when treatment is received at a facility not listed in our Directory of Hospitals. 2

4 Choose your Add-ons If you d like more out-patient cover there are three levels available. Please choose only one of these. Core out-patient Cover for up to two specialist consultations each year and no yearly maximum for diagnostic tests on specialist referral. Enhanced out-patient 1,000 combined overall entitlement each year for specialist consultations, diagnostic tests on specialist referral and practitioner charges including dieticians, nurses, orthoptists and speech therapists. Full out-patient No yearly maximum for specialist consultations, diagnostic tests on specialist referral and practitioner charges including dieticians, nurses, orthoptists and speech therapists. Therapies 1,000 combined overall entitlement each year for therapists (physiotherapist, osteopath and chiropractor), acupuncturists and homeopaths charges. You can claim for a maximum of ten sessions each year for GP referred treatment. Any further therapist, acupuncturist or homeopath treatment must be under the control of a specialist. Dentist and Optician Cashback Dental care covers 80% of the costs up to a maximum of 300 a year. Optical cover covers 80% of the costs up to a maximum of 140 a year for prescribed glasses and contact lenses. Plus up to 25 towards an eye test each year. Extra Cancer Cover Drug treatment is extended to include cover for as long as the drug is being used within the terms of its licence. Experimental drug treatment is covered if it is agreed with us in advance and is part of an ethically approved clinical trial. This benefit includes specialist consultations and diagnostic tests that are directly related to your cancer treatment. Out-patient specialist consultations and diagnostic tests directly related to your active cancer treatment won t affect any out-patient treatment limits that may apply on your plan. We also pay for additional expenses to support you during your active treatment of cancer. For example, we help towards the cost of wigs, external protheses and we also make a donation to your hospice if you need end-of-life hospice care. Mental Health Cover for in-patient, day-patient and out-patient treatment of mental health conditions including stress and depression. Also includes cover for out-patient psychologists and cognitive behavioural therapists treatment charges. Extra Care Hospital at Home full cover for the cost of a nurse to give you intravenous chemotherapy for the treatment of cancer or antibiotics in your own home where clinically appropriate. NHS cash benefit 100 a night up to 2,000 a year. Oral surgery paid in full for treatment of certain operations. Chiropody charges up to 150 a year. Travel Cover This provides cover towards the cost of emergency medical treatment abroad. The Travel Cover Add-on has the major benefits of other travel insurance plans such as medical costs, additional expenses and delayed departure. Please refer to the Travel Cover Membership Handbook for further information. Special offer Get the Extra Care Add-on free when you purchase Therapies and Mental Health Add-ons. Depending on your medical history some of the Add-ons might not be available. 3

5 Ways to reduce your subscription The 6 week option This option is a great way to save up to 25% on your subscription yet still avoid long NHS waiting times. The 6 week option means that if in-patient or day-patient treatment or any operation is available on the NHS within six weeks from the date it should take place then you will use the NHS. However, if the wait for treatment is longer than six weeks then you can go private straight away. Excess levels You have the option of including an excess to reduce your subscription. If you choose to have an excess, the minimum excess is 100. This means you will pay the first 100 of eligible claims but only once per membership year for each person covered. To reduce your subscription further you can add an excess of 250, 500 or 1000*. * 1,000 excess is not available with the Core out-patient Add-on or the Enhanced out-patient Add-on. No Claims Discount (NCD) There are 12 steps of No Claims Discount (NCD), from 0% to 65%. When you join we will tell you the NCD level to which you are entitled. If you don t make a claim you will be entitled to a further discount each year, up to 65%, see below. However, if you make a claim your discount will drop for that year. How to protect your NCD If you need to make a claim, you have the option of paying for treatment yourself, and keeping your no claims discount. You might choose to do this if your claim is small. If you or anyone on your plan chooses to make a claim, the level of discount for that person drops by three levels. But it will go up again by one level if that person doesn t make a claim for the following year. No claims discount steps Discount 10% 20% 27.5% 35% 40% 45% 50% 55% 57.5% 60% 62.5% 65% Level

6 Already have private health insurance? Switching is easy You can transfer your existing cover from another health insurer with just one phone call. We understand that comparing cover between private medical insurers can be difficult. So whether you re looking to match your previous cover or need to discuss a more affordable subscription, your options will be explained. Private healthcare insurance covers you for new conditions that arise after you join but there are occasions where you could be covered for existing conditions. You ll be asked a few additional questions and we will let you know what options are available to you. 93% of all new members surveyed said they were extremely or very satisfied with the overall ease of joining AXA PPP healthcare.* *Source: Feedback from 303 members surveyed between Apr 13 Oct 13. It s quick and easy to switch to AXA PPP healthcare. Simply call: Monday to Friday 9am to 8pm. 5

7 Keeping you well informed Health information The innovative health information section of our website is constantly being updated with the latest health news and medical information. There are lots of tasty, healthy recipes for you to try and you ll also have access to over 900 medical fact sheets. It s your own health resource on hand 24 hours a day! Health centres If you are concerned about a specific condition, such as heart disease or cancer or want to find out about childhood illnesses, then you ll really appreciate the condition specific centres on our website. You ll find videos of members experiences, lifestyle articles, advice from our experts and plenty more to help support you or a family member before, during and after treatment. We have regular live chats online with a variety of experts, so if you need to get a quick answer to a problem, then simply join in it s free. If you cannot make one of the live chat sessions, then you can post a question online and one of our panel of experts will respond, usually within 24 hours. You can also sign up for our monthly e.newsletter so you can keep up to date with the latest news and live chat reminders. Superb service from start to finish. 100% every time from phone call to advisers to treatment received to claim settlement. Keep up the good work. Cheshire 6

8 Keeping you well looked after Our Personal Advisers are at your service when you need to claim AXA PPP healthcare s highly skilled team of Personal Advisers based in the UK are on hand ready to help you: Understand the full benefits of your plan Give you guidance when arranging treatment Complete a claim form (if required) Confirm claims have been paid Their job is to make life easier for you so that you can focus on getting better and making a full recovery. Health at Hand medical helpline Health at Hand is our 24/7 members service designed to give you medical information and peace of mind whenever you need it. Our Health at Hand team includes nurses, midwives, pharmacists and counsellors who are all experts in their field. Nurses and Counsellors: Available 24 hours a day, 7 days a week. Midwives and Pharmacists: Available 8am to 8pm Monday to Friday, 8am to 4pm Saturday, 8am to 12pm Sunday. You can also access all the Health at Hand services if you re abroad on holiday especially useful if you need to source a local English speaking doctor, dentist or optician. They can even provide travel vaccination information before you leave. Dedicated Nurses for members diagnosed with cancer or a heart condition If you are diagnosed with cancer or a heart condition you will have access to our Dedicated Nurse telephone helpline. Our trained nurses will provide you with one-to-one support when you need it. They can provide practical guidance about your condition, explain the treatment options available to you, or offer comfort if you simply need emotional support. Your family can also benefit from the helpline if they have concerns or need guidance about your care. The cancer advice nursing service was absolutely excellent and I was grateful for their support. Bristol 7

9 About your medical cover What is medical underwriting? This is the process where we look at your membership application and decide the terms of your cover. Moratorium underwriting A moratorium is a set period of time during which you will not be covered for treatment for any medical conditions that you had suffered from before you took out the plan. There s no need to provide information about your medical history when you join. For the first two years of membership, we won t cover medical conditions you ve had in the five years before joined, and there are also some other specified conditions that we won t cover. However, as long as you re completely free of any form of treatment or advice for that condition for two years in a row once you join, you will be covered for it in the future within the benefits of your plan. You will be provided with more information about this when you join. How does a moratorium work? Below is an example of a member who had a back operation before joining. Back operation in April 2008 Joined AXA PPP healthcare in March 2009 No cover for back condition for a two year period Now covered from March 2011 for this pre-existing condition as 24 continuous months have passed trouble free of the condition Please note If you are 74 years of age or over, moratorium underwriting isn t available to you and we will ask you to declare your full medical history. For further information, please refer to the range of underwriting options explained in the ABI guide enclosed in your pack. Information on specified conditions If you have the following pre existing condition: Have been diagnosed with diabetes Are currently undergoing treatment for raised blood pressure (hypertension) Are under investigation, having treatment or undergoing monitoring as a result of a prostate specific antigen (PSA) test You will not be covered for treatment for the following specified conditions whatever their cause: diabetes ischaemic heart disease cataract diabetic retinopathy diabetic renal disease arterial disease stroke hypertension ischaemic heart disease stroke hypertensive renal failure any disorder of the prostate 8

10 We invite you to become a member Here are some great reasons to join us n We believe that our private healthcare plans should be accessible to everyone, so we ve developed a range of options to suit a wide variety of budgets n Over 70 years experience providing private healthcare insurance and we now cover over two million members n We offer market leading heart and cancer cover and care n Our Fast Track Appointment team can find you a suitable specialist and book an appointment at a time convenient to you, providing support if you need help looking for a specialist n We ll pay in full for all eligible specialist diagnostic scans including CT, MRI and PET 9 n Most of our call handlers are based in the UK n If your child is on your plan and falls ill, and you need to stay overnight with them in hospital, we will pay for your stay if they are under 16 years old n The NHS continues to be under pressure to meet people s healthcare demands. So it s reassuring to know that we also offer options giving you access to private medical treatment if the NHS can t provide eligible treatment within 6 weeks of when it should take place. This option can reduce your overall price by up to 25%. n As an added extra, we have negotiated discounts for all members, from health assessments to leisure breaks all from carefully selected companies n You will benefit from discounts on other selected products from AXA.

11 Frequently asked questions Here are the answers to some questions we are often asked. If you would like any more information, please call There are so many health insurers in the market, why should I choose AXA PPP healthcare? We re one of the largest UK healthcare companies with over 70 years experience. We want our members to feel confident and secure when they take out our healthcare plans, so our members satisfaction is at the heart of everything we do. Do I have to declare my medical history? No when you join us you can choose to be placed on Moratorium underwriting. This simply means you ll be covered for eligible treatment of new medical conditions that arise after you join. If you are 74 years of age or over when you join, you will be asked to declare your full medical history. Please see page 8 for more information. How often can I claim? There is no limit to the number of times you can claim for new conditions that arise after you join, as long as it is for treatment covered by your plan and is within your plan limits. What is the 6 week option and why should I add it to my plan? This is a way to reduce your subscription. If you have no objection to using the NHS, but worry about long waiting times, then the 6 week option could be for you. If the in-patient or day-patient treatment or operation you need which would normally be covered by your plan is available on the NHS within six weeks of the date treatment should take place, then you ll use the NHS. However, if the wait for treatment is more than six weeks then you can go private straight away. Can you help me if I need medical information? When you join, you will have access to Health at Hand, our around-the-clock medical helpline. We have a wide range of medical professionals on hand to give you information about medicines, pain relief, pregnancy, cancer, stress, menopause, and much more. We also provide a wealth of online services. Do I have to pay for treatment and then claim the money back? No, as we normally receive invoices directly from the specialists or hospitals and settle them directly. How can I be sure that I m covered before I go ahead with treatment? Simply call our team of Personal Advisers with the details of your proposed treatment and specialist. They will confirm if your treatment is eligible so you can go ahead knowing that you are covered. What happens if I have hospital treatment without checking with a Personal Adviser first that it s covered? We would strongly recommend that you get authorisation for your proposed treatment before you go ahead, to make sure that it is covered. However, if you don t get authorisation we will pay for the claim provided it is eligible under the terms of your plan. 10

12 Choose AXA PPP healthcare: because not all health insurance is the same Trust your future health and wellbeing to experts: we have over 70 years experience in the provision of private healthcare insurance and now cover over two million people. Our Fast Track Appointments team makes sure you get seen as quickly as possible. You ll have the choice of up to three specialists and we can book your appointment for you. Call today for immediate cover on and become a member today. Our lines are open Monday to Friday 9am to 8pm. Calls may be recorded and/or monitored for quality assurance, training and as a record of the conversation. PB52236/04.14 DIRECT Telegraph Media Group Limited (TMG) are an Introducer Appointed Representative of AXA PPP healthcare limited. AXA PPP healthcare, Phillips House, Crescent Road, Tunbridge Wells, Kent TN1 2PL. AXA PPP healthcare Limited. Registered Office: 5 Old Broad Street, London EC2N 1AD, United Kingdom. Registered in England No Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. AXA PPP healthcare We may record and/or monitor calls for quality assurance, training and as a record of our conversation. healthcare

Priority Health. Priority Health and Priority Health 6 Summary. October 2014. Page 3

Priority Health. Priority Health and Priority Health 6 Summary. October 2014. Page 3 Priority Health Priority Health and Priority Health 6 Summary October 2014 Page 3 Contents About this summary 3 What is Priority Health? 4 1 Your Core health insurance 5 2 Choose your Add-ons 6 3 Find

More information

Individual medical insurance. Policy summary Health Cover Range

Individual medical insurance. Policy summary Health Cover Range Individual medical insurance Policy summary Health Cover Range What you need to know April 2010 Health Cover Range This policy summary provides a brief description of this private medical insurance from

More information

Universities & Colleges Personal Healthcare Scheme

Universities & Colleges Personal Healthcare Scheme Universities & Colleges Personal Healthcare Scheme Working with to offer employees of niversities Colleges access to private healthcare cover Private medical insurance for you and your family The University

More information

Forces Pension Society scheme

Forces Pension Society scheme Forces Pension Society scheme The Health Insurance Group Offering you a private medical insurance plan from AXA PPP healthcare with flexible options to suit your needs. January 2013 The Health Insurance

More information

Guide to Private Medical Insurance

Guide to Private Medical Insurance Guide to Private Medical Insurance Contents About the Exeter 4 Why private medical insurance? 5 Product highlights 6 Cover and benefits 10 Getting the right premium 15 How to apply 16 Claims overview 21

More information

MEMBER SUMMARY YOUR LIFE YOUR HEALTH YOUR BENEFIT. SELECT Staff Scheme. Effective from 1 September 2014. bupa.co.uk

MEMBER SUMMARY YOUR LIFE YOUR HEALTH YOUR BENEFIT. SELECT Staff Scheme. Effective from 1 September 2014. bupa.co.uk MEMBER SUMMARY YOUR LIFE YOUR HEALTH YOUR BENEFIT SELECT Staff Scheme Effective from 1 September 2014 bupa.co.uk Keep this booklet somewhere handy in it, you ll find a summary about the things you re covered

More information

YOUR LIFE YOUR HEALTH YOUR BENEFIT. Welplan Health Care Scheme MEMBER SUMMARY. Effective from 1 April 2015. bupa.co.uk

YOUR LIFE YOUR HEALTH YOUR BENEFIT. Welplan Health Care Scheme MEMBER SUMMARY. Effective from 1 April 2015. bupa.co.uk MEMBER SUMMARY YOUR LIFE YOUR HEALTH YOUR BENEFIT Welplan Health Care Scheme Effective from 1 April 2015 bupa.co.uk This is page 1 of 8 which should be read together in full. These pages are for the summary

More information

Underwriting Methods and Chronic Conditions. Everything you need to know about new, pre-existing and chronic conditions

Underwriting Methods and Chronic Conditions. Everything you need to know about new, pre-existing and chronic conditions Underwriting Methods and Chronic Conditions Everything you need to know about new, pre-existing and chronic conditions Introduction Contents Page number Introduction 3 A choice of underwriting methods

More information

Saga Health Insurance

Saga Health Insurance Saga Health Insurance The easy way to choose cover for you Why health insurance is the right choice 2 Why choose Saga? 3 Key benefits of Saga HealthPlans 4-5 Choosing from our range of health plans 6 Saga

More information

Bupa By You. Summary

Bupa By You. Summary Bupa By You Summary Find the cover that s right for you There s a lot to take in when purchasing health insurance that s why we ve created this easy to use guide which summarises the cover that s available

More information

Saga HealthPlans. Policy Summary

Saga HealthPlans. Policy Summary Saga HealthPlans Policy Summary Super and Super 4 Week Wait Secure and Secure 4 Week Wait Saver Plus and Saver Plus 4 Week Wait Saver and Saver 4 Week Wait Support and Support 4 Week Wait Policy Summary

More information

Flexible health insurance plans that work around you

Flexible health insurance plans that work around you Please note: these documents are for illustration purposes only, are updated from time to time and do not form part of any contract with us. To be sure that you are using the most upto-date and correct

More information

BUPA SELECT KEY POLICY SUMMARY. Effective from 1 January 2014. bupa.co.uk BUPA. HELPING YOU FIND HEALTHY

BUPA SELECT KEY POLICY SUMMARY. Effective from 1 January 2014. bupa.co.uk BUPA. HELPING YOU FIND HEALTHY BUPA SELECT KEY POLICY SUMMARY Effective from 1 January 2014 bupa.co.uk BUPA. HELPING YOU FIND HEALTHY Welcome to Bupa Select Key (the scheme). This policy summary contains key information about the scheme.

More information

Underwriting Methods and Chronic Conditions. All you need to know about cover for pre-existing and chronic conditions

Underwriting Methods and Chronic Conditions. All you need to know about cover for pre-existing and chronic conditions Underwriting Methods and Chronic Conditions All you need to know about cover for pre-existing and chronic conditions Contents Page number Introduction 3 A choice of ways to apply 4 How we deal with chronic

More information

Bupa Eduhealth Essentials Healthcare Scheme Bupa private medical cover for the teaching profession and education sector

Bupa Eduhealth Essentials Healthcare Scheme Bupa private medical cover for the teaching profession and education sector Bupa Eduhealth Essentials Healthcare Scheme Bupa private medical cover for the teaching profession and education sector Bupa Eduhealth Essentials Healthcare Scheme We re here to help you stay healthy

More information

A quick guide to private healthcare cover for small and medium businesses. Start here

A quick guide to private healthcare cover for small and medium businesses. Start here A quick guide to private healthcare cover for small and medium businesses Start here What is private healthcare cover? Smaller businesses are the backbone of our economy and the fuel that powers Britain.

More information

Associates Private Medical Trust Guide

Associates Private Medical Trust Guide Associates Private Medical Trust Guide Effective from 1 April 2012 Welcome to the Honda Associates Private Medical Trust This guide provides an overview of the benefits available to you under your Private

More information

Saga Health Insurance

Saga Health Insurance Saga Health Insurance The easy way to choose cover for you HealthPlan Super HealthPlan Secure HealthPlan Saver Plus HealthPlan Saver HealthPlan Support Contents Why health insurance is the right choice

More information

Personal. The International. Health Plan. International. Health Plan. Medical Insurance that s recognised the world over

Personal. The International. Health Plan. International. Health Plan. Medical Insurance that s recognised the world over Personal The International Health Plan International Health Plan Medical Insurance that s recognised the world over Why AXA PPP International? AXA PPP International is a globally recognised provider of

More information

Personal Healthcare benefits at a glance

Personal Healthcare benefits at a glance Personal Healthcare benefits at a glance The below table shows the benefits and cover options you can get with a Personal Healthcare plan from PruHealth. All plans start with Core Cover, which has a variety

More information

Tesco Private Healthcare Plan. Effective from 1 March 2016. Administered by Bupa. bupa.co.uk

Tesco Private Healthcare Plan. Effective from 1 March 2016. Administered by Bupa. bupa.co.uk Tesco Private Healthcare Plan Effective from 1 March 2016 Administered by Bupa bupa.co.uk This is page 1 of 10 which should be read together in full. These pages are for the Tesco Private Healthcare Plan

More information

Preferential The health plan that provides comprehensive private medical insurance cover

Preferential The health plan that provides comprehensive private medical insurance cover Preferential The health plan that provides comprehensive private medical insurance cover HEALTH INSURANCE Preferential Private Health Cover Preferential provides your employees with extensive levels of

More information

BUSINESS HEALTHCARE BENEFITS AT A GLANCE FROM VITALITYHEALTH VITALITY.CO.UK/HEALTH

BUSINESS HEALTHCARE BENEFITS AT A GLANCE FROM VITALITYHEALTH VITALITY.CO.UK/HEALTH BUSINESS HEALTHCARE BENEFITS AT A GLANCE FROM VITALITYHEALTH VITALITY.CO.UK/HEALTH BENEFITS AT A GLANCE WITHIN THIS DOCUMENT YOU WILL FIND THE BENEFITS AND COVER OPTIONS YOU COULD HAVE WITH A BUSINESS

More information

Quality medical benefits for companies with 3 29 employees

Quality medical benefits for companies with 3 29 employees APRIL UK PRIVATE MEDICAL INSURANCE PLAN FOR SMEs Quality medical benefits for companies with 3 29 employees www.april-uk.com Changing the image of insurance UK WELCOME TO APRIL UK - A NAME YOU CAN TRUST

More information

Flexible medical benefits designed for today's world

Flexible medical benefits designed for today's world APRIL UK PRIVATE MEDICAL INSURANCE PLAN Flexible medical benefits designed for today's world www.april-uk.com Changing the image of insurance UK WELCOME TO APRIL UK - A NAME YOU CAN TRUST YOUR HEALTH WITH

More information

Healthcare Proposition Overview

Healthcare Proposition Overview Healthcare Proposition Overview Leading innovations in the benefits market ECIS has a wealth of experience in the employee benefits arena and provides benefits solutions to employers operating across a

More information

Bupa Schools Scheme Looking after what s most important

Bupa Schools Scheme Looking after what s most important Provided by Bupa Schls Scheme Lking after what s most important bupa.co.uk/schlscheme The subscription rate is 67.50 per child each term and applies for membership year 1 September 2015 to 31 August 2016.

More information

Are you buying private medical insurance? Take a look at this guide before you decide 2008

Are you buying private medical insurance? Take a look at this guide before you decide 2008 Are you buying private medical insurance? Take a look at this guide before you decide 2008 2 Private medical insurance Private medical insurance 3 Contents 1 About this guide 4 2 What is private medical

More information

Bupa Select. Policy summary

Bupa Select. Policy summary Bupa Select Policy summary Effective from 1 January 2012 Welcome to Bupa Select (the scheme). This policy summary contains key infmation about the scheme. You should read this carefully and keep it in

More information

BupaCare. Policy summary

BupaCare. Policy summary BupaCare Policy summary Effective from 1 January 2016 This policy summary contains key information about BupaCare. You should read this carefully and keep it in a safe place afterwards. Please note that

More information

Business Healthcare benefits at a glance

Business Healthcare benefits at a glance Business Healthcare benefits at a glance The below table shows the benefits and cover options you can get with a Business Healthcare plan from PruHealth. All plans start with Core Cover, which has a variety

More information

BUPACARE POLICY SUMMARY. Effective from 1 January 2015. bupa.co.uk

BUPACARE POLICY SUMMARY. Effective from 1 January 2015. bupa.co.uk BUPACARE POLICY SUMMARY Effective from 1 January 2015 bupa.co.uk 2 This policy summary contains key information about BupaCare. You should read this carefully and keep it in a safe place afterwards. Please

More information

European Health Cover

European Health Cover European Health Cover Connecting you to medical expertise wherever you are. European Health Cover European Health Cover Peace of mind We ll help connect you to the right medical expertise, wherever you

More information

Xerox Custom Healthcare Solution

Xerox Custom Healthcare Solution Xerox Custom Healthcare Solution Xerox HR Services has undertaken a comprehensive review of the employee benefits market, assessing all of the major providers, in order to develop our Xerox Custom Healthcare

More information

Bupa International Company Plan. Taking good care of. your people. wherever they are

Bupa International Company Plan. Taking good care of. your people. wherever they are Bupa International Company Plan Taking good care of your people wherever they are Look after your people, look after your business Every successful business relies on its people. That s why choosing the

More information

Core Health Insurance Plans

Core Health Insurance Plans .. Core Health Insurance Plans A Guide To GloHealth Cover Cover For Me Cover For Us Cover For All Of Us Hospital Cover Enhanced Maternity Out-Patient International Health & Travel Sports Cover Family Protection

More information

Are You Buying Private Medical Insurance? Take a look at this guide before you decide

Are You Buying Private Medical Insurance? Take a look at this guide before you decide Are You Buying Private Medical Insurance? Take a look at this guide before you decide 2012 ARE YOU BUYING PRIVATE MEDICAL INSURANCE? 3 Contents 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. About this guide 4 Understanding

More information

Business Priority Health

Business Priority Health Business Priority Health Group Secretary Guide and Annual Agreement October 2015 Contents Section Page 1 Overview 3 2 Managing your group policy 7 Agreement between AXA PPP healthcare limited and your

More information

nib global health International health cover you can rely on

nib global health International health cover you can rely on nib global health International health cover you can rely on Email contactus@nibglobalhealth.co.nz or call 0800 642 456 8am to 5.30pm (NZST) Monday to Friday Contents Great value international health insurance

More information

I can rely on BUPA International to be there when I need them most. Lifeline

I can rely on BUPA International to be there when I need them most. Lifeline I can rely on BUPA International to be there when I need them most Lifeline t h e w o r l d h e a l t h s e r v i c e Trust BUPA International to look after you. If you have any questions about how we

More information

LOCALCARE GROUP SCHEME POLICY SUMMARY FOR MEMBERS OF THE PHILIP WILLIAMS BUPA HEALTHCARE SCHEME. Effective from 1 December 2014. bupa.co.

LOCALCARE GROUP SCHEME POLICY SUMMARY FOR MEMBERS OF THE PHILIP WILLIAMS BUPA HEALTHCARE SCHEME. Effective from 1 December 2014. bupa.co. LOCALCARE GROUP SCHEME POLICY SUMMARY FOR MEMBERS OF THE PHILIP WILLIAMS BUPA HEALTHCARE SCHEME Effective from 1 December 2014 bupa.co.uk This policy summary contains key information about Bupa LocalCare

More information

Are you buying private medical insurance? Take a look at this guide before you decide 2008

Are you buying private medical insurance? Take a look at this guide before you decide 2008 Are you buying private medical insurance? Take a look at this guide before you decide 2008 2 Private medical insurance Private medical insurance 3 Contents 1. About this guide 4 2. What is private medical

More information

Premium Health Insurance Plans

Premium Health Insurance Plans Premium Health Insurance Plans A Guide to GloHealth Cover Cover For Me Cover For Us Cover For All Of Us Hospital Cover Enhanced Maternity Out-Patient International Health & Travel Sports Cover Out-Patient

More information

A Guide to GloHealth Cover

A Guide to GloHealth Cover A Guide to GloHealth Cover Cover For Me Cover For Us Cover For All Of Us Hospital Cover Enhanced Maternity Out-Patient International Health & Travel Sports Cover Out-Patient Scans Women s & Men s Health

More information

SecureHealth Ultimate 6 individual

SecureHealth Ultimate 6 individual SecureHealth Ultimate 6 individual Membership handbook What you need to know October 2011 Contacting us While it is important that you read and understand this policy handbook, we understand that it is

More information

Simply Healthworks puts private medical insurance within your company s reach

Simply Healthworks puts private medical insurance within your company s reach Simply Healthworks puts private medical insurance within your company s reach HEALTH INSURANCE Simply Healthworks - making private medical insurance more accessible Simply Healthworks has been created

More information

The business case for private health cover Aviva s guide to protecting your company and your employees

The business case for private health cover Aviva s guide to protecting your company and your employees The business case for private health cover Aviva s guide to protecting your company and your employees We are one of the UK s leading providers of health and protection solutions, and experts in providing

More information

YOUR COMPANY GUIDE TO A HEALTHIER FUTURE

YOUR COMPANY GUIDE TO A HEALTHIER FUTURE FOR MORE INFORMATION Call 1300 775 798 (from within Australia) +61 3 9937 4277 (from outside Australia) Visit bupa.com.au/expats Email: internationalcompanyhealth@bupa.com.au International Private Medical

More information

BUPA SELECT YOUR BUPA MEMBERSHIP GUIDE. Essential information explaining your Bupa cover. Please retain. bupa.co.uk

BUPA SELECT YOUR BUPA MEMBERSHIP GUIDE. Essential information explaining your Bupa cover. Please retain. bupa.co.uk BUPA SELECT YOUR BUPA MEMBERSHIP GUIDE Essential information explaining your Bupa cover Please retain bupa.co.uk ABOUT THIS GUIDE Welcome to your Bupa Select membership guide. At Bupa, we know that insurance

More information

choices Private Medical Insurance designed for today's world Arranged by UK

choices Private Medical Insurance designed for today's world Arranged by UK choices Private Medical Insurance designed for today's world Arranged by UK Quick access to private hospitals... If you were diagnosed with an illness, wouldn't you want quick access to diagnostic tests

More information

International Company Plan. Taking good care of. your people. wherever they are

International Company Plan. Taking good care of. your people. wherever they are International Company Plan Taking good care of your people wherever they are Bupa international medical insurance is underwritten in Australia by Mutual Community General Insurance Pty Ltd (ABN 59 007

More information

SecureHealth Ultimate corporate

SecureHealth Ultimate corporate SecureHealth Ultimate corporate Membership handbook What you need to know October 2011 Contacting us While it is important that you read and understand this policy handbook, we understand that it is often

More information

Global Health Elite. The Gold Standard in International Private Medical Insurance

Global Health Elite. The Gold Standard in International Private Medical Insurance Global Health Elite The Gold Standard in International Private Medical Insurance William Russell is the leading independent provider of international health insurance When you re a customer with William

More information

Worldwide Medical Insurance Company

Worldwide Medical Insurance Company Worldwide Medical Insurance Company Taking good care of the people your business depends on Whether your employees are at home or living and working abroad, their health is very much your business. You

More information

YOUR COMPANY GUIDE TO A HEALTHIER FUTURE

YOUR COMPANY GUIDE TO A HEALTHIER FUTURE Raffles Health Insurance Pte Ltd (Company Registration No: 200413569G) 133 Middle Road Bank of China Plaza #02-00 Singapore 188974 www.raffleshealthinsurance.com +65 6340 1660 General services: +44 (0)

More information

Saga HealthPlan Support and Support 4 Week Wait. Membership Handbook

Saga HealthPlan Support and Support 4 Week Wait. Membership Handbook Saga HealthPlan Support and Support 4 Week Wait Membership Handbook 2 Welcome to Saga HealthPlan Support Thank you for choosing a Saga HealthPlan, which we have arranged to be underwritten by AXA PPP healthcare

More information

Private Medical Insurance. Flexible medical benefits designed for today's world. Changing the image of insurance.

Private Medical Insurance. Flexible medical benefits designed for today's world. Changing the image of insurance. Private Medical Insurance Flexible medical benefits designed for today's world UK Changing the image of insurance. Quick access to private hospitals... If you were diagnosed with an illness, wouldn't you

More information

General & Medical. Opt-in. private healthcare solutions

General & Medical. Opt-in. private healthcare solutions General & Medical Opt-in private healthcare solutions Contents Choose General & Medical Healthcare 3 Opt-in Schemes - a unique concept 4 A Range of Schemes - to suit everyone 4 Equs Range - essential affordable

More information

the natural choice for health insurance

the natural choice for health insurance the natural choice for health insurance 2 CONTENTS Welcome 3 Handpick your Healthcare 4 The Finishing Touches 4 Benefits Table 5 Hospital Lists 8 Voluntary Excess 8 Underwriting 9 Policy Limitations &

More information

YOUR LIFELINE GUIDE TO A HEALTHIER FUTURE

YOUR LIFELINE GUIDE TO A HEALTHIER FUTURE Raffles Health Insurance Pte Ltd (Company Registration No: 200413569G) 133 Middle Road Bank of China Plaza #02-00 Singapore 188974 www.raffleshealthinsurance.com +65 6340 1660 General services: +44 (0)

More information

Revolutionising Corporate Medical Healthcare

Revolutionising Corporate Medical Healthcare Revolutionising Corporate Medical Healthcare Corporate medical healthcare around the world, around the clock Welcome to International We are a specialist provider of worldwide private medical and related

More information

Platinum Healthcare Plan Benefit comparison of Bronze, Silver, Gold & Platinum healthcare plans

Platinum Healthcare Plan Benefit comparison of Bronze, Silver, Gold & Platinum healthcare plans Platinum Healthcare Plan Benefit comparison of Bronze, Silver, Gold & Platinum healthcare plans Benefit description Maximum benefit Area of Cover ) Within stated benefit limits - 6 week wait rule applies

More information

ULTIMATE HEALTH PLAN PART OF THE NEW RANGE OF GLOBAL HEALTH PLANS

ULTIMATE HEALTH PLAN PART OF THE NEW RANGE OF GLOBAL HEALTH PLANS ULTIMATE HEALTH PLAN PART OF THE NEW RANGE OF GLOBAL HEALTH PLANS Insured by Administered by ULTIMATE HEALTH PLAN PART OF THE NEW RANGE OF GLOBAL HEALTH PLANS Insured by Administered by WELCOME TO THE

More information

A quick start guide to your Simply Cash Plan

A quick start guide to your Simply Cash Plan A quick start guide to your Simply Cash Plan Contents: Getting to know your Simply Cash Plan Your benefits How to make a claim Receipt requirements Paying your claim Glossary and key terms explained Getting

More information

The Corporate Global Health plans explained. Plans designed by

The Corporate Global Health plans explained. Plans designed by The Corporate Global Health plans explained Plans designed by The Corporate Global Health plans are for employers who want their staff to be able to access the very best private health care within Dubai,

More information

General & Medical. Opt-in. private healthcare solutions

General & Medical. Opt-in. private healthcare solutions General & Medical Opt-in private healthcare solutions Contents Choose General & Medical Healthcare 3 Opt-in Schemes - a unique concept 4 A Range of Schemes - to suit everyone 4 Equs Range - essential affordable

More information

International Private Medical Insurance

International Private Medical Insurance A Guide to Private Medical Insurance A Guide to International Private Medical Insurance Protecting your biggest asset your employees 02 Citrus Healthcare Consulting Limited www.citrushealthcare.co.uk Private

More information

worldwide health insurance: perfectly formed

worldwide health insurance: perfectly formed worldwide health insurance: perfectly formed 2 CONTENTS Welcome 03 Handpick your Healthcare Plan 04 The Finishing Touches 05 Benefits Table 06 Underwriting 09 International Flexibility 11 The Corporate

More information

HSF Assist Providing support and advice when it is most needed

HSF Assist Providing support and advice when it is most needed HSF Assist Providing support and advice when it is most needed Welcome to your new HSF Assist service - part of your health cash plan cover. HSF Assist provides you with unlimited access to a variety of

More information

Hospital Care Cash Plans. Hospital Care Cash Plans

Hospital Care Cash Plans. Hospital Care Cash Plans Hospital Care Cash Plans Hospital Care Cash Plans A Guide to GloHealth Cover Cover For Me Cover For Us Cover For All Of Us Hospital Cover Maternity Dental & Optical MRI G.P. Alternative Therapy Scans Why

More information

SARK MEDICAL INSURANCE SCHEME 2014/2015 Product Comparison

SARK MEDICAL INSURANCE SCHEME 2014/2015 Product Comparison SARK MEDICAL INSURANCE SCHEME 2014/2015 Product Comparison Page 1 Page 3 Page 5 Listed Benefits Part 1 Listed Benefits Part 1 Listed Benefits Part 1 The comparison sheet issued with your renewal papers

More information

International Private Medical Insurance

International Private Medical Insurance A Guide to Private Medical Insurance A Guide to International Private Medical Insurance Protecting you and your family 02 A Guide to Private Medical Insurance Private medical insurance provides immediate

More information

LocalCare Group Scheme. Philip Williams & Co Bupa Healthcare Scheme policy summary

LocalCare Group Scheme. Philip Williams & Co Bupa Healthcare Scheme policy summary LocalCare Group Scheme Philip Williams & Co Bupa Healthcare Scheme policy summary Effective from 1 December 2015 This policy summary contains key information about Bupa LocalCare group scheme provided

More information

Working harder to make your business better. Employee health cover from just. 33p. per day

Working harder to make your business better. Employee health cover from just. 33p. per day Working harder to make your business better. Employee health cover from just 33p per day Good news for Chamber members. Health cover at a price that really works for your business. Hello. And a warm welcome

More information

Sales Brochure International healthcare built for your world. Global Health Options

Sales Brochure International healthcare built for your world. Global Health Options Global Health Options Sales Brochure International healthcare built for your world Global Health Options 2 www.cignaglobal.com you are one of a kind so are we CONTENTS Why choose a Cigna Global plan? 4

More information

Maximum plan benefit GBP ( ) limit In-patient benefits¹ - please refer to notes for more information on Treatment Guarantee

Maximum plan benefit GBP ( ) limit In-patient benefits¹ - please refer to notes for more information on Treatment Guarantee International Healthcare Plans Table of Benefits Treatment Guarantee (pre-authorisation) may be required for some benefits as indicated by a '1' or a '2' in the table(s) below. Please refer to the "Notes"

More information

If you have any questions, please get in touch with us. You can call us between 8am and 6pm GMT, Monday to Friday on:

If you have any questions, please get in touch with us. You can call us between 8am and 6pm GMT, Monday to Friday on: Oil and Gas Plan From 1 November 2009 Get in touch To join Bupa International s Oil and Gas plan all you need is three or more employees who work overseas on oil rigs in the oil and gas industry. For further

More information

Table of Benefits Individual Policies

Table of Benefits Individual Policies International Healthcare Plans Valid from 1 st November 2012 Table of Benefits Individual Policies Treatment Guarantee is required for all benefits indicated with a 1 or 2 in the following tables and may

More information

Lifeline Worldwide Medical insurance

Lifeline Worldwide Medical insurance Lifeline Worldwide Medical insurance We care, wherever you are Whether you re at home or living or working abroad, the last thing you want to worry about is your health. You need the peace of mind that

More information

Health Insurance from Aviva. Level 2 Complete Health

Health Insurance from Aviva. Level 2 Complete Health Health Insurance from Aviva Level 2 Complete Health Looking out for your health is at the heart of everything we do. We have a plan to suit every budget and we are committed to giving you access to quality

More information

Working harder to make your business better. Employee health cover from just. 36p. per day

Working harder to make your business better. Employee health cover from just. 36p. per day Working harder to make your business better. Employee health cover from just 36p per day Good news for Chamber members. Health cover at a price that really works for your business. Hello. And a warm welcome

More information

wpa.org.uk Flexible Health Health Insurance Policy Summary

wpa.org.uk Flexible Health Health Insurance Policy Summary wpa.org.uk Flexible Health Health Insurance Policy Summary Effective from 9 January 2012 Flexible Health is for busy people like you. Take a moment to consider your healthcare. It makes sense to do all

More information

Worldwide health insurance, world class care

Worldwide health insurance, world class care Worldwide health insurance, world class care 2015 Worldwide health insurance, world class care If a brighter future means moving abroad, the quality and cost of healthcare can be a big worry. Make sure

More information

frequently asked questions

frequently asked questions Healthcare benefits: frequently asked questions About healthcare benefits What is private medical insurance? Private medical insurance (PMI) is a scheme designed to meet the cost of private medical treatment

More information

What is it? Why do I need it? Key features. Main benefits. REAL Support. Peace of mind cancer care:

What is it? Why do I need it? Key features. Main benefits. REAL Support. Peace of mind cancer care: Protection personal Real Health What is it? REAL Health provides you and your family with high levels of insurance to cover the rising costs of surgical and medical treatments available privately in New

More information

Tailored For Business!

Tailored For Business! Tailored For Business Contents This brochure features a small selection of the products we have to offer. If any of the products featured don t exactly match your requirements we have access to products

More information

Guide to Society Services. because life is precious

Guide to Society Services. because life is precious Guide to Society Services because life is precious Contents How to contact the Society 2 Introduction 3 Eligibility for services 4 General exclusions 5 Information services 5 Consultation services 6 Physiotherapy

More information

We care, wherever you are

We care, wherever you are Lifeline Plan We care, wherever you are Whether you re at home or living or working abroad, the last thing you want to worry about is your health. You need the peace of mind that comes from knowing that

More information

Revolutionising Private Medical Healthcare. Private medical healthcare around the world, around the clock

Revolutionising Private Medical Healthcare. Private medical healthcare around the world, around the clock Revolutionising Private Medical Healthcare Private medical healthcare around the world, around the clock Welcome to International We are a specialist provider of private medical and related personal insurances.

More information

Your overall limit Silver Gold Platinum $1,000,000 800,000 650,000. Your standard medical benefits Silver Gold Platinum

Your overall limit Silver Gold Platinum $1,000,000 800,000 650,000. Your standard medical benefits Silver Gold Platinum Medical Insurance ur plans comprise of 3 distinct levels of cover: Silver, Gold and Platinum. Choose your level of cover from the table below. All amounts apply per beneficiary and per (except where otherwise

More information

Table of Benefits Corporate Group Schemes

Table of Benefits Corporate Group Schemes International Healthcare Plans Table of Benefits Corporate Group Schemes Valid from 1 st November 2014 MyHealth app Quick and easy claims submission Policy documents on the go www.allianzworldwidecare.com/myhealth

More information

Overseas Visitors Cover

Overseas Visitors Cover straightforward health insurance Overseas Visitors Cover Australia welcomes you 2 3 Who are GMF Health? GMF Health is a not-for-profit Australian private health insurer, that s been providing affordable

More information

My Health Cash Plan for Groups. Group Member Handbook

My Health Cash Plan for Groups. Group Member Handbook My Health Cash Plan for Groups Group Member Handbook My Health Cash Plan for Groups My Health Cash Plan for Groups is a product designed to help you with your everyday healthcare needs. Your company has

More information

BUPA BY YOU YOUR MEMBERSHIP GUIDE

BUPA BY YOU YOUR MEMBERSHIP GUIDE BUPA BY YOU YOUR MEMBERSHIP GUIDE bupa.co.uk ABOUT THIS GUIDE Welcome to your Bupa By You guide. We know that insurance can be hard to follow. That s why we ve made this guide as simple as possible. You

More information

PG Mutual Medical Care Plan

PG Mutual Medical Care Plan It didn t take Jeff long to get back to everyday life following his operation. Thank goodness for PG Mutual s private medical insurance PG Mutual Medical Care Plan Why you need private medical cover The

More information

AMEX International Healthcare Plan Benefits schedule

AMEX International Healthcare Plan Benefits schedule Quality health plans & benefits Healthier living Financial well-being Intelligent solutions AMEX International Healthcare Plan Benefits schedule Effective 1 April 2015 46.06.933.1-EUAM D (4/15) Your flexible

More information

Global Health Essential. Regional Cover for the Costs of Healthcare Overseas

Global Health Essential. Regional Cover for the Costs of Healthcare Overseas Global Health Essential Regional Cover for the Costs of Healthcare Overseas Cover for your essential medical costs abroad The Essential plans are designed for expatriates and international citizens who

More information

PG Mutual Medical Care Plan

PG Mutual Medical Care Plan It didn t take Jeff long to get back to everyday life following his operation. Thank goodness for PG Mutual s private medical insurance PG Mutual Medical Care Plan PG Mutual Medical Starter Plan Why you

More information

Sales brochure International healthcare built for your world

Sales brochure International healthcare built for your world CIGNA Global Health Options Sales brochure International healthcare built for your world www.cignaglobal.com 28.6º 43 17 N 6 38 E Contents Why choose CIGNA Global Health Options 4 How to create your plan

More information