Compare Individual plans – what’s included

We have a full range of plans to suit your clients’ different needs and budget.

Inpatient care	Value	Core	Select	Comprehensive
Hospital charges	Covered3
Specialist/consultant fees	Covered3
Diagnostic tests	Covered3
Radiotherapy and chemotherapy	Covered3
Psychiatric treatment			Combined limit of £7,000 per policy year	Combined limit of £20,000 per policy year

Outpatient care	Value	Core	Select	Comprehensive
Consultations with specialists	Combined limit £600 per policy year14	Combined limit £600 per policy year12	Combined limit £750 per policy year1
Diagnostic scans: MRI, CT, PET scans	Covered4
Diagnostic tests: other	Combined limit £600 per policy year15	Combined limit of £600 per policy year1
Physiotherapy	Combined limit £600 per policy year15	Combined limit of £600 per policy year12	Combined limit £750 per policy year1
Chiropractors/Osteopaths	Combined limit £600 per policy year15	Combined limit of £600 per policy year12	Combined limit £750 per policy year1	Limit of £800 per policy year
Radiotherapy and chemotherapy
Psychiatric treatment			Sub-limit of £750 to an overall combined (IP and OP) limit of £7,000 per policy year	Combined limit £20,000 per policy year

Other care	Value	Core	Select	Comprehensive
Alternative therapies				Limit of £600 per policy year
Childbirth cash benefit	£100 per child	£100 per child	£100 per child	£100 per child
Nursing at home	£3,000 limit	£3,000 limit	£3,000 limit
Private ambulance	£60 per trip	£60 per trip	£60 per trip
Parental accommodation	1 parent for children 12 and under	1 parent for children 12 and under	1 parent for children 12 and under	1 parent for children 12 and under
NHS cash benefit	£50 per day case or night stay Limit of £2,000 per policy year	£50 per day case or night stay Limit of £2,000 per policy year	£50 per day case or night stay Limit of £2,000 per policy year	£100 per day case or night stay Limit of £2,000 per policy year

¹ The combined limit means that claims for specialist consultations, diagnostic tests, physiotherapy, chiropractic and osteopathy all aggregate to one limit for each member on the policy.

² Cover is restricted to treatment following and directly related to an eligible hospital admission. We consider treatment which falls within a maximum of six months of the eligible hospital admission to be directly related to the original admission.

³ A co-payment of £100 applies per inpatient admission within selected hospital list.

⁴ A co-payment of £50 applies per interaction.

⁵ A co-payment of £20 applies per interaction.

• Specialist/consultant fees include surgeons’, anaesthetists’ and physicians’ fees whilst as an inpatient or day case patient.
• Diagnostic scans include CT, MRI and PT scans. These must be following a consultant referral only and also within the members selected hospital list. A 40% co-payment of the tariff will apply for scans undertaken outside of the member’s selected hospital list.
• Other diagnostic tests include pathology, x-rays and physiological tests such as an ECG.
• Physiotherapy, chiropractic and osteopathy cover will only apply up to the number of authorised sessions.

We will pay where charges are within the PruHealth fee maxima for services provided. If the proposed provider charges outside the range the member may be expected to pay the difference. This will be specified at the claim authorisation stage.

• = Covered at hospitals on the member’s chosen hospital list.
• = Not covered.

See policy document.