Our product options

There are a number of options available on our products designed to help reduce premiums.

The six week rule plans only provide benefit for in-patient treatment, day-patient treatment and out-patient surgical procedures, if the NHS cannot provide that treatment within six weeks from the date on which the treatment should be undertaken. This applies to each separate admission or surgical procedure either and an in-patient, day-patient or out-patient.

This means that conditions for which urgent or emergency treatment is needed are not covered by the policy. If the customer has a serious or life threatening condition which needs urgent treatment the NHS will treat that condition within six weeks. The policy therefore will not cover it because of its urgent or emergency nature.

Members with this option are entitled to a no claims discount provided they don't make a claim. There are eight levels from 0% to 50%. When the member joins we will tell them the initial discount level to which they are entitled. If they need to make a claim, they have the option of paying for the treatment, and keeping their no claims discount. If a person covered by the policy chooses to make a claim, the level of discount for that person drops. But it will go up again if that person doesn't make a claim for the following year. In any year when a person covered by the policy makes one or more claims, the no claims discount for that person drops by three levels until the minimum is reached. In any year where the person does not make a claim, the discount increases by one level until the maximum is reached.

Your clients can choose to pay the first £100 (option 1), £200 (option 2) or £500 (option 3) of eligible claims, once each year, for each member covered by the policy. Once the excess has been paid in full, we pay for any further eligible fees for that year. The excess does not apply to NHS cash benefits or the overseas evacuation and repatriation service.