The Essential health insurance plan
Our Essential plan covers you for most eligible hospital fees, including eligible specialist fees.
You'll also be covered for parental accommodation if your child is a patient and is 12 years old or under. It also offers wider cover than on our Core plan such as diagnostic tests and outpatient psychiatry.
Essential plan benefits
| Inpatient care | |
|---|---|
| Hospital charges | |
| Specialist/consultant fees | |
| Diagnostic tests | |
| Radiotherapy and chemotherapy | |
| Psychiatric treatment | |
| Outpatient care | |
|---|---|
| Consultations with specialists | Combined limit of £600 per policy year |
| MRI, CT, PET scans | |
| Other diagnostic tests | |
| Physiotherapy | Combined limit of £600 per policy year |
| Chiropractic/osteopathy | Combined limit of £600 per policy year |
| Radiotherapy and chemotherapy | |
| Psychiatric treatment | Combined limit of £600 per policy year |
| Other care | |
|---|---|
| Complementary and alternative therapies | |
|
Childbirth cash benefit
| £100 per child |
| Home nursing | £3,000 limit |
| Private ambulance | £60 per trip |
| Parental accommodation | Yes (children aged 12 and under, 1 parent) |
| NHS cash benefit | £50 per day case or night stay, limit of £2,000 per policy year |
- Cover in full subject to restrictions*. See Policy document (Adobe .pdf format) for full details. See Policy summary (Adobe .pdf format) for summary of details.
- Not covered.
*Specialist fees will be met in full only if they are within the range considered reasonable and customary for the service provided in UK private healthcare.
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