Every Health Choices for Me plan starts with Essential cover, a standard part of the plan that doesn’t change. The table below shows what you are covered for under Essential cover.
|
What can you claim? |
What does this include? |
How much will we pay? |
|---|---|---|
| In-patient & daypatient treatment | Consultant & specialist fees (providing they are within our agreed schedule for specialists and hospitals), diagnostic tests as an in-patient or daypatient, pre-admission tests and hospital charges (including any necessary medical aids e.g. knee braces) at any hospital on the My Hospitals list. | UNLIMITED |
| CT, MRI & PET Scans | At any hospital on the My Hospitals list. Includes professional fees where appropriate. | UNLIMITED |
| Out-patient surgery | Surgical procedures performed by a specialist at any hospital on the My Hospitals list. | UNLIMITED |
| Post-operative physiotherapy | Up to 3 sessions of post-operative physiotherapy as an out-patient following in-patient or day-patient surgery. | UNLIMITED |
| Private Ambulance | Medically essential travel to, between or from hospital in a private road ambulance in connection with in-patient or daypatient treatment. | UNLIMITED |
| Home Nursing | Medically required home nursing following authorised in-patient & daypatient treatment. | UNLIMITED |
| GP Helpline | Talk to a GP, 24 hours a day, 7 days a week if you need any help or advice on a medical problem. | UNLIMITED |
| Parental accommodation | You can stay in hospital with your child (up to the age of 18) if they are having treatment under the policy. | UNLIMITED |
| NHS Cash Benefit | Paid if you have free in-patient treatment under the NHS. | £250 per night |
| Hospice Donation | We make a donation to your hospice if you are admitted for care. | £250 |
With the exception of the £250 hospice donation, no benefit will be paid for diagnosed cancer conditions as these are included in the optional Cancer Cover module.
The next stage in building your Health Choices for Me plan is to select what else you would like to be covered for in 3 steps. Here you can personalise your plan by choosing limits within each of the modules of cover, from unlimited to no cover, giving you more control over your monthly premiums.
|
Cover module |
What does this include? |
What are your options? |
|---|---|---|
| Out-Patient | Consultant and specialist fees (providing they are within our agreed schedule for specialists and hospitals) and diagnostic tests such as X-rays, ECGs and pathological tests. Please note that CT, MRI and PET scans are included as standard under Essential Cover. No benefit for diagnosed cancer conditions as these are included in the optional Cancer Cover module. |
Unlimited Up to £1000 Per Year Up to £500 Per Year No Cover |
|
Cover module |
What does this include? |
What are your options? |
|---|---|---|
| Cancer Cover | Extends the scope of benefits under Essential Cover (such as surgery and scans) to include treatment for diagnosed cancer and adds unlimited benefit for oncology and specialist consultations for cancer. | Unlimited No Cover |
|
Cover module |
What does this include? |
What are your options? |
|---|---|---|
| Manipulative Treatment | Costs for physiotherapy, osteopathy, podiatry and chiropractic treatment received as an out-patient. | Unlimited Up To £300 Per Year No Cover |
Health Choices for Me has been designed to give you quick access to private medical treatment when you need it.
Health Choices for Me allows you to tailor your cover according to your needs, so you can relax in the knowledge that you have covered the medical bills and types of treatment that are most important to you, at a price that suits your budget.
If you're an employee and unable to work due to illness or injury, the maximum statutory sick pay you would receive is £81.60 per week for the first 28 weeks (Source: HMRC 2011). Would this pay the bills?
Having income protection means not having this worry. It means reassurance that if you are ill or injured and cannot work, you can still protect your family.
There's nothing more important in life than your health. Having private medical insurance means that if you need medical treatment you will be looked after quickly with a greater choice of quality hospital facilities.
Less worry about waiting times, less worry about catching a hospital acquired infection, and more peace of mind that if the unexpected happens you will be treated in the best possible way.
Living abroad is many people's dream. Sun, sea, sand and cocktails by the beach. But living abroad isn't all worry free, particularly when it comes to looking after your health.
Finding and paying for quality treatment can be a real challenge, the last thing you need when you're feeling unwell. That's why private medical insurance designed especially for expats is so valuable. Peace of mind that you are protected.
Exeter Family Friendly is a trading name of Exeter Friendly Society Limited, which is authorised and regulated by the Financial Services Authority (Register number 205309) and is incorporated under the Friendly Societies Act 1992 Register No. 91F registered office at Lakeside House, Emperor Way, Exeter, England EX1 3FD.