Premier Care

universal-providentPremier Care combines the benefit of a comprehensive private medical insurance with the flexibility to vary certain important aspects of cover such as the hospital scale, the level of excess required and the method of underwriting applied when taking out the cover.

Cover is arranged on a full refund basis for in, day and out-patient treatment, with generous limits applying to complementary medicine, outpatient physiotherapy and private ambulance cover.

  Summary of Benefits  
Hospital charges – including accommodation, theatre fees, drugs and dressings, tests  and nursing Full refund within hospital scale
Accommodation for a parent accompanying a child aged 10 years or under Full refund
In/day-patient Surgeons, anaesthetists and physicians fees Full refund
Oncology, radiotherapy and chemotherapy (in, day or out-patient) Full refund within hospital scale
Out-patient specialist consultations Full refund
Out-patient diagnostic tests Full refund within hospital scale
Out-patient physiotherapy £450 per person per year
Out-patient complementary medicine £500 per person per year
Nursing at home Full refund for up to 30 days
Private ambulance charges £200
NHS Cash benefit
(not payable for the first two nights in hospital)
(maximum £2,000 per person per benefit period)		 £100 for each night spent in an NHS hospital
 

 

Hospital Scales

When you buy your Premier Care policy you will be able to choose to be covered under on of three hospital scales – Scales A, B and C. Premiums for Scale A cover are highest and Scale C offers the lowest premiums.

These scales in no way reflect the standard of medical care and treatment you can expect at the hospitals – they are based on the charges made by the hospital for such things as accommodation, nursing, theatre fees, drugs, dressings and pathology etc.

If you use a hospital that is on a higher scale than your chosen scale, restrictions in the benefits payable will apply.

What is not covered by Premier Care?

Like any insurance policy, you would not expect Premier Care 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
  • Chronic conditions
  • Dentistry
  • Hazardous pursuits (as defined)
  • Normal pregnancy and childbirth
  • Psychiatric illness
  • Treatment outside the UK
  • Routine examinations
  • Pre-existing medical conditions
  • Kidney failure
  • Organ transplants
  • Cosmetic treatment
  • Fertility/infertility treatment
  • Experimental procedures/drugs
  • HIV/AIDS
  • GP services

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 and you can complete the application form included within this brochure.

OR

You can apply to be fully medically underwritten, in which case you will need to disclose your medical history to us and we may impose additional terms or exclusions based on this. To apply on this basis you must complete a separate application form that your intermediary will provide.


For a full explanation of how these work and the relative advantages and disadvantages of each, please call the Customer Services department on 0844 8730 902.

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