At the heart of every Health+ policy is core cover, designed to provide you with fast access to the best possible treatment.
Unlimited in-patient & day-patient treatment
Our core cover never limits in-patient and day patient treatment. Any treatment is made available for as long as it’s needed, at any hospital on your chosen list.
Complete cancer cover
Cancer may be your biggest fear - so we take it seriously. Every Health+ member has cover for all stages of cancer, including access to the latest drugs and treatments.
If you need an out-patient surgical procedure it can be performed by a specialist at any hospital on your hospital list.
When it’s essential that an in-patient or day patient has medical treatment whilst they travel to, between or from hospital we’ll provide a private road ambulance.
Sometimes patients still need nursing once they leave hospital. So, if required, home nursing is made available to in-patients & day-patients following treatment
If your children require treatment in hospital it can be a worrying time, so you can stay with your child (up to age 18) for as long as it takes.
Often it can take more than surgery to get you back on your feet. If that’s the case our core cover will provide up to 3 sessions of post-operative out-patient physiotherapy following in-patient, day-patient or out-patient surgery.
NHS cash benefit
If it’s easier for you to have free in-patient treatment under the NHS and the treatment would be covered under your policy, we’ll pay out £150 per night for up to 30 nights.
Our benefit add-ons let you enhance your cover, ensuring you get exactly what you want from your policy. You can choose from a range of options that put you in charge of your cover and costs.
Additional out-patient cover
You can choose to enhance out-patient cover to include specialist fees and diagnostic tests such as X-rays, ECGs and pathology tests at any hospital on the chosen hospital list.
CT, MRI and PET scans, as well as all treatment and consultations related to diagnosed cancer, are included under core cover.
Unlimited out-patient diagnostics
If you choose a limit on your out-patient cover of either £500 or £1,000 per year, you can upgrade this with unlimited out-patient diagnostics. This means that out-patient diagnostic tests are covered in full, and only specialist consultation fees are deducted from your chosen out-patient limit.
Additional mental health cover
By adding mental health cover you are covered for specialist treatments as an in-patient or day-patient including accommodation and nursing for up to 28 days.
Out-patient consultations and treatment by psychologists and cognitive behavioural therapists are also covered in full.
Additional therapies cover
With our additional therapies cover, following a GP or specialist referral, you can get access to a physiotherapist, chiropractor, osteopath, acupuncturist, podiatrist, speech therapist, pain clinic or two consultations with a dietician.
We don’t believe you should have to reduce your cover to cut your premiums. That’s why Health+ gives you four choices that allow you to manage your premiums without compromising the quality of your cover.
Choice of hospitals
We offer a choice of three hospital lists: Essential, Standard and Extended – all of which include London hospitals. Essentially the more hospitals you want access to, the higher your premiums.
If you’re switching from another insurer, you may be able to transfer to Health+, keeping cover for conditions which have started since your policy began. We may also apply additional medical exclusions to your policy.
If you’re new to health insurance, you can choose to get cover fast, using our standard moratorium. If you claim, we will then check your medical records to make sure the condition wasn’t pre-existing, as these are usually excluded from cover until you've been fully clear of all symptoms for two years.
Either way, if you apply on full medical underwriting, your premiums will usually be cheaper and you’ll always know what is and isn’t covered from day one.
With Health+ you have a choice of excess amounts: £0, £100, £250, £500, £1,000, £3,000 or £5,000. As you’d expect, the lower the excess amount, the higher the premium.
Optional No Claims Discount
With our No Claims Discount, you’ll earn discounts on your premiums if you stay healthy and don’t claim.
What’s more, each member on the policy has their own No Claims Discount, so a claim by one person will not affect the No Claims Discount of the other people covered by the policy.
Plus all Health+ members
also get access to:
The free members app that provides quick and convenient medical advice and treatments through smartphone or tablet and can be accessed from anywhere in the world.
- Remote GP appointments
- Second medical opinion
- Mental health support
- Registered dietitian consultations
- Lifestyle and nutrition consultations