Your core health insurance starts with peace of mind

When life throws you an unexpected challenge, fast diagnosis and treatment are what matter most, along with genuine help, support and understanding from people who care. So here’s a summary of everything that comes with Personal Health, your private medical insurance plan, for new medical conditions after you join. 


  • We’ll pay full hospital fees, including operating-theatre costs, nursing care, drugs and dressings, specialist fees, consultations, diagnostic tests, CT, MRI and PET scans and physiotherapy. Just use a hospital from our Directory of Hospitals
  • CT, MRI and PET scans at a scanning centre or hospital from our Directory of Hospitals
  • No yearly limit on out-patient surgery
  • Get 24/7 health information with our Health at Hand and online health centres
  • A nurse can administer antibiotics by intravenous drip at your home
  • Ambulance transport to another medical facility if you’re receiving private in-patient or day-patient treatment
  • A cash payment of £50 a night up to £2,000 a year when you have in-patient treatment free on the NHS
  • Cover for a number of oral surgical procedures
  • Hospital accommodation for one parent, and up to £100 a night towards a hotel (up to £500 a year), while a child under 16 is receiving eligible treatment
  • Surgery to correct prominent ears for a child under 14
  • Laser treatment to improve the look of a birth mark on the face of a child under 14
  • Six sessions of speech therapy for a child under 14 resulting from a delay in their development
  • Free cover on your plan for new-borns until your renewal date (restrictions may apply)
  • Cover for diagnostic surgery, CT, MRI and PET scans
  • Specialist consultations with the same specialist who’s treating your cancer when you’re an out-patient
  • Chemotherapy and radiotherapy treatment
  • Support from one of our dedicated cancer nurses
  • £100 a night charitable donation to a hospice where you’re being cared for as an in-patient or at home
  • External prostheses (limbs), up to £5,000 a year, and wigs up to £150 a year – when you’re having treatment to remove cancer cells
  • As long as you’re a member, we’ll cover your cancer treatment no matter what path it takes, and we’ll continue to cover it if it becomes terminal


Extra cover Options

We understand that everyone’s different. So we have a range of cover options letting you tailor your private health insurance so it’s right for you.

Here are the main options you can add to your private medical insurance.

Standard Out-Patient option

  • Up to three specialist consultations a year
  • No yearly limit on diagnostic tests when a specialist refers you
  • No yearly limit on practitioner charges when a specialist refers you (includes dieticians, nurses, orthoptists and speech therapists)

Full Out-Patient option

  • No yearly limit on specialist consultations
  • No yearly limit on diagnostic tests when a specialist refers you
  • No yearly limit on practitioner charges when a specialist refers you (includes dieticians, nurses, orthoptists and speech therapists)

Dentist and Optician Cashback

  • Cover for 80% of your dentist’s fees, up to £400 each year
  • Cover for 80% of your optician’s fees for prescribed glasses and contact lenses, up to £200 each year
  • £25 a year towards the cost of eye tests

Therapies option

  • Adds cover for out-patient treatment by physiotherapists, acupuncturists, homeopaths, osteopaths and chiropractors
  • No yearly limit on fees
  • Get up to 10 sessions a year when your GP refers you, or when you have therapist treatment through our Working Body team

Mental Health option

As an in-patient or day-patient:

  • Cover for psychiatric treatment, including accommodation, diagnostic tests and drugs, at a hospital or day-patient unit in our Directory of Hospitals
  • No yearly limit on specialist fees for psychiatric treatment

As an out-patient:

  • No yearly limit on specialist consultations for psychiatric treatment
  • No yearly limit on psychiatric treatment by psychologists and cognitive-behavioural therapists, as long as your specialist oversees treatment

Extended Cover

  • Cover for visits to a private GP for consultations, up to £500 a year
  • Cover when you use hospitals outside our Directory of Hospitals, giving you more choice of where you’re treated
  • Cover for using AXA PPP healthcare recognised specialists
  • We’ll provide overseas cover for planned treatment up to the value of the equivalent UK treatment
  • Save time spent on doctors’ appointments with up to five consultations a year with a Doctor@Hand GP
  • Access to the Taking Care information and advice helpline

Travel option

  • European or Worldwide Travel Cover for emergency medical expenses abroad
  • Also includes cover for lost baggage, delays and lost passports, as well as personal accident cover and cover for on-piste skiing
  • Worldwide Travel Cover includes emergency dental treatment and business travel
  • With the Adventure Sports upgrade, you can add cover for activities like bungee-jumping and paragliding

What’s not covered

Here are the main things that aren’t covered as standard in our private health insurance:

  • Treatment of medical conditions that you had – or had symptoms of – before you joined, unless you’ve switched from another plan and have underwriting called ‘continued medical exclusions’
  • Pregnancy and childbirth
  • Treatment of ongoing, recurring and long-term conditions, such as diabetes or asthma (we call these ‘chronic conditions’)
  • Cosmetic treatment (except for birthmarks and prominent ears, which are covered under our enhanced family cover)
  • There are some specialists whose costs we can’t cover in full, so please call us if you need to claim

Lowering the cost

Private medical insurance is all about peace of mind. That’s why we let you adjust the cost of your subscriptions to make sure you’re comfortable with what you’re paying.

  • Take the Six Week option
    If you’re happy to use the NHS but you worry about how long it could take to get treatment, this option covers you. You’ll be treated by the NHS if they can see you within six weeks of when in-patient treatment, day-patient treatment, cancer treatment or any surgical procedure should take place. If the wait is longer, you’ll be able to have eligible private treatment straight away. It means you could avoid waiting lists, and save up to 20% on your subscription.
  • Protect your no claims discount
    Our best-ever no claims discount rewards you with savings for every year you don’t make a claim on your private health insurance, up to a maximum of 80%. All claims under the Therapies option, along with some other benefits, will not affect your no claims discount.
  • Choose your excess
    You can bring down your monthly health insurance subscription by adding an excess to your plan. Your excess could be as low as £100, and you’ll only be asked to pay once a year for each person who claims.
  • Choose cancer support on the NHS
    If you select this health insurance option, or we’re unable to fully cover you for cancer treatment because of a previous medical condition, your private medical insurance will cost you less.
  • Pay yearly and save 5%
    If you pay for your private medical insurance in one go, you'll save 5% on your subscription.
  • Let us choose your specialists for you
    If you take out our Guided Option, you’ll agree to use our Fast Track Appointment service every time you need to see a specialist. You’ll still have full access to our hospital list, but we’ll do the work for you - sourcing up to three specialists, who focus on your condition. We’ll book the one you choose at a time and place that’s right for you. And, as you’ll be using specialists we’ve negotiated with, we can pass on the savings to you with a reduced subscription. This Option can’t be taken out if you have our Extended Cover Option.

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