Private Medical Insurance tends to provide treatment for more expensive unexpected health claims and specialist diagnosis, usually non-emergency treatment as a private patient allowing a choice over how, when and where they are treated. Cash plans provide reimbursement towards everyday health costs such as prescription charges, dental and optical costs.

Hospital Treatment Insurance sits between Private Medical Insurance and Cash Plans and offer treatment of specific non-urgent procedures but does not include surgical procedures for cancer, heart disease or emergency cover at which the NHS excels.

All are designed to compliment the excellent emergency services of the NHS.

Small Company Cash Plan – Minimum 5 Members

 Cover Cost

 Level 1
 £4.33/Mth/Person
 Level 2
 £8.66/Mth/Person
 Level 3
 £17.33/Mth/Person
 Level 4
 £26.00/Mth/Person
 Optical  Up to £55/Yr  Up to £105/Yr  Up to £180/Yr  Up to £220/Yr
 Dental  Up to £55/Yr  Up to £105/Yr  Up to £180/Yr  Up to 220/Yr
 Dental  Trauma  Up to £110/Yr  Up to £210/Yr  Up to £360/Yr  Up to £440/Yr
 Chiropdy  Up to £25/Yr  Up to £50/Yr  Up to £75/Yr  Up to £100/Yr
 Therapy  Treatments
 Physiotherapy,  Acupuncture,  Chiropractic,  Homeopathy,  Osteopathy
 Up to £150/Yr

 Up to £250/Yr

 Up to £500/Yr

 Up to £650/Yr

 Consultation  Up to £200/Yr  Up to £400/Yr  Up to £600/Yr  Up to £700/Yr
 MRI, CT &  PET Scans  Yes  Yes  Yes  Yes
 Best Doctors  Yes  Yes  Yes  Yes
 24Hr  Counselling &  Advice  Lines  (Counselling,  Legal  Health  & wellbeing  advice)  Yes  Yes  Yes  Yes
 Add children's cover for all employees - £0.30/Mth additional cost
 Doctors Line – telephone access to GP service24/7 plus webcam consultations - £0.65/mth  additional cost
























Hospital Treatment Insurance


Cover usually includes:
Consultant surgeon/physician, anaesthetist fees. Private hospital charges relating to operating theatre, accommodation, meals, drugs & dressing, inpatient tests, x-rays, pharmacy

Level 1 – 60 Specific surgical procedures
Employees are covered for a max of 3 surgical procedures in a 12 month period with a max benefit of £100k during the contract life. Cover in Level 1 includes:

Slipped Discs, Varicose veins, Hip Replacement, Knee replacement, Abdominal hernias, Sinus problems, Cataracts, Tonsils, Prostate problems, Gynaecological problems, Gallstones, Carpel tunnel release.

Level 2 – 120+ Specific surgical procedures
employees are covered for a max of 3 surgical procedures in a 12 month period with a max benefit of £250k during the contract life. Cover in Level 2 includes:

Slipped Discs, Varicose veins, Hip Replacement, Knee replacement, Abdominal Hernias, Sinus problems, Cataracts, Tonsils, Prostate problems, Gynaecological problems, Gallstones, Carpel tunnel release, Brain Abscess, Thoracotomy, Appendicectomy, Haemorrhoids, Liver resection, Ingrowing toenails, Thyroidectomy.

 Small Company Hospital Treatment Plan – Minimum 5 Members –  LEVEL 1
 Moratorium  £5.37/Mth/Person
 Medical Health Declared  £6.98/Mth/Person
   
 Classification of Surgical procedure
 Band A  Up to £3,000 (NHS benefit £500)
 Band B  Up to £6,000 (NHS benefit £1,500)
 Band C  Up to £10,000 (NHS benefit £2,500)


 







 Small Company Hospital Treatment Plan – Minimum 5 Members –  LEVEL 2
 Moratorium  £16.00/Mth/Person
 Medical Health Declared  £20.80/Mth/Person
   
 Classification of Surgical procedure
 Band 1  Up to £850 (NHS benefit £200)
 Band 2  Up to £1,500 (NHS benefit £350)
 Band 3  Up to £2,500 (NHS benefit £650)
 Band 4  Up to £3,500 (NHS benefit £850)
 Band 5  Up to £4,500 (NHS benefit £1,200)
 Band 6  Up to £6,000 (NHS benefit £1,500)
 Band 7  Up to £7,500 (NHS benefit £2.000)
 Band 8  Up to £10,000 (NHS benefit £2,500)
 Band 9  Up to £12,500 (NHS benefit £3,000)
 Band 10  Up to £15,000 (NHS benefit £3,500)
 Band 11  Up to £20,000 (NHS benefit £4,000)
 Band 12  Up to £25,000 (NHS benefit £5,000)

 


















Our Independent Financial Advisers are usually happy to meet at our clients' preferred location and time and to have detailed initial discussions with no obligation.

Please contact us by calling 01949 836173 or email us on This email address is being protected from spambots. You need JavaScript enabled to view it.