Personal Choice

Essential Inpatient cover

With Essential Inpatient cover, all eligible inpatient and daycare expenses will be met in full at over 500 hospitals.

Without this cover you could find yourself, for example, paying up to £15,000 as a private patient for a heart bypass.

The following are optional add-ons to the Essential plan, which is the compulsory standard cover.

Option 1 & 2 outpatient cover

Outpatient options will help ensure you are promptly referred to a consultant at a time that suits you, avoiding critical time spent on waiting lists.
The cost of initial consultations, any tests and post inpatient check ups can be considerable, so an outpatient plan is recommended.

Option 3 & 4

To provide even greater flexibility and choice, you can extend your cover to include further hospitals.

Additional options

You can tailor your plan even closer to your specific requirements by choosing from any of the following options: therapies, psychiatric conditions, ancillary benefits.

Excesses

You can make your premiums even lower by taking one of four optional excesses thereby reducing the costs by up to 40%.