NHS Plus

universal-providentNHS Plus offers a radical approach to private medical insurance. Instead of trying to replace the existing benefits and facilities provided by the NHS, NHS Plus provides the means to enhance these services and to plug any shortfalls.

If in-patient treatment is required and this is not available from the NHS within 90 days of a specialist deciding that it is necessary, we will pay for the treatment to be undertaken at a private hospital within 30 miles of the patients home.

  Summary of Benefits  

If treatment is provided as an NHS Patient

For each night that you  spend as an in-patient in an NHS Hospital without charge

 

£75 per night

Private In Patient treatment charges if treatment is not available under the NHS within 90 days of a specialist deciding that it is necessary

a) Hospital charges
b) Surgeons, Anaesthetist’s & Physicians charges
c) Oncology, radiotherapy & chemotherapy

Full Refund
Full Refund
Full Refund
Income Benefit
Following a fracture, dislocation or an in-patient stay of two or more consecutive nights
£100 per week for up to six weeks
 

 

What is not covered by NHS Plus

Like any insurance policy, you would not expect NHS Plus to provide cover in all circumstances – there are therefore a number of exclusions in the policy. A full list of these can be found in the “Important Information” leaflet and full details are available in the policy document both of which can be obtained by calling 0844 8730 902.

Some of the exclusions are:

  • Alcohol and drug abuse
  • Hazardous pursuits (as defined)
  • Normal pregnancy and childbirth (other for the benefit shown)
  • Psychiatric illness
  • Self inflicted conditions Pre-existing medical conditions
  • Out patient treatment
  • Day patient treatment
  • HIV/AIDS
  • War, terrorism etc

Applying for Cover

You can apply on a moratorium basis, where there is an automatic exclusion of all pre-existing conditions for at least the first two years of cover. Under this method you do not have to disclose any medical history.

Should you wish to obtain a quote or apply for NHS Plus please phone 0844 8730 902 quoting reference RAP23228