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You'll start with a 40% no claims discount and, provided you don't make a claim, this will increase each year to a maximum of 50%. If you do need to make a claim, the no claims discount will fall. Of course, if you then do not make further claims you can start to build your no claims discount back up again.

Just covering things like hospital stays and operations will help reduce your premium.

You'll be covered for:

• In-patient and day-patient treatment and associated specialists' charges
• Out-patient surgical procedures
• Computerised tomography (CT), magnetic resonance imaging (MRI) and positron emission tomography (PET) scans
• Access to our Dedicated Nurse service that provides one-to-one telephone support and advice for cancer patients.

As well as the cover Assure Choice provides, Ideal Choice also includes £900 cover for out-patient treatment, including diagnostic tests, consultations and practitioner charges (see below for details)

Your cover includes:

• In-patient and day-patient treatment and associated specialists' charges
• Out-patient surgical procedures
• Computerised tomography (CT), magnetic resonance imaging (MRI) and positron emission tomography (PET) scans
• Up to £900 of benefits for diagnostic tests, out-patient consultations and complementary practitioner and clinical practitioner charges (including physiotherapy)
• Treatment of psychiatric illness.
• Access to our Dedicated Nurse service that provides one-to-one telephone support and advice for cancer patients.

This offers comprehensive cover - including out-patient treatment.

The Premier Choice policy offers you the same benefits as Ideal Choice with the addition of no annual maximum on the cover for out-patient consultations and diagnostic tests (on specialist referral). A maximum of 10 sessions of GP referred complementary practitioner and clinical practitioner treatment (including physiotherapy) for each person covered on the policy.

Are you willing to be treated under the NHS if your treatment is available within six weeks of the date it should be undertaken?

If so, you can reduce the cost of either of these plans by choosing to add our 6 Week Option.

This is how it works:

Get the same benefits as Assure Choice or Ideal Choice, but only if the NHS cannot provide your treatment for any out-patient surgical procedure, in-patient or day-patient treatment within six weeks of the date on which the treatment should be undertaken.

If the NHS can give you the hospital treatment you need within six weeks of the date on which the treatment should start, then you must use the NHS.

However, you have immediate access for those operations listed below and for radiotherapy and chemotherapy performed as day-patient or out-patient treatment:

• varicose veins surgery
• tonsillectomy
• insertion of grommets
• removal of bunions (hallux valgus)
• removal of gall bladder – (laparoscopic cholecystectomy)
• haemorrhoidectomy
• adenoidectomy
• correction of squint
• cataract surgery.

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