Personal - care options benefits

Standard Cover * This option must be taken as standard
In-patient and day care treatment (excluding emergency admissions)
All in-patient and day care treatment must take place at one of our listed Directory of hospitals	Paid in Full
Hospital accommodation & nursing charges	Paid in Full
Additional hospital charges including operating theatre fees, drugs, dressings and medicines used while you are in hospital.	Paid in Full
Surgeons' and anaesthetists' fees	No annual maximum
Physicians' fees	No annual maximum
Physiotherapy, Diagnostic test, X-rays, Pathology, Radiology, PET, CT and MRI Scans	Paid in Full
Oncology (chemotherapy and radiotherapy) and specialist consultations	No annual maximum
Outpatient
Surgical procedures	No annual maximum
Radiotherapy/Chemotherapy including where treatment is necessary for a prolonged period of time, this will be covered for up to one year.	No annual maximum
PET, CT and MRI Scans	Paid in Full
Additional benefits
NHS cash benefit	£100 per night up to £2,000 pa
Health at Hand	Confidential medical information and helpline
Excess options (£100 standard)	Optional excess of £250, £500 or £1,000 for each person covered by the policy per policy year
Option 2 - limited out-patient cover * You may choose either Option 2 or 3, but not both.
Specialist consultations and diagnostic tests on specialist referral including pathology, radiology and clinical practitioner charges.	£1,100 of cover per policy year
Option 3 - Full out-patient
Specialist consultations and diagnostic tests on specialist referral including pathology, radiology and clinical practitioner charges.	No annual maximum
Option 4 - Therapy Treatment
Treatment from a registered Physiotherapist, Osteopath, Chiropractor, Homeopath or Acupuncturist.	(Maximum benefit payable £1,100 pa)
Option 5 - Psychiatric Treatment * This Option is only available with Option 2 or 3.
In-patient and day-patient unit charges to a maximum of	28 days pa
Specialist fees for psychiatric	No annual maximum
In-patient consultations for psychiatric conditions - benefit for a consultation with a second specialist arranged by the treating specialist	No annual maximum
Out-patient treatment	£1,200 per year
Option 6 - Additional Benefits
Private ambulance cover up to	£500
Parental accommodation (for under 11 who is covered by the policy)	Paid in Full
Hospital - at - home	Paid in Full
Complications in pregnancy (specified schedule)	No annual maximum
Oral surgery (specified schedule)	No annual maximum
Option 7 - No Claims Discount
Add Option 6 to your Plan and you can benefit from a No Claims Discount (NCD) on your premium for the following year (provided you do not make a claim. Learn how the No-Claims Discount works.
Option 8 - Cancer Upgrade * This Option is only available in conjunction with Option 3.
This policy includes cover for the in-patient, day-patient treatment and out-patient treatment of cancer including radiotherapy and chemotherapy. Where licensed chemotherapy drug treatment is necessary for a prolonged period of time, if you have Option 8 this will be covered for up to three years.	No annual maximum
Click to see the 9 Immediate Cover Procedures.