Flexible Benefits

We also have plans that cover the whole family (you, your spouse/partner and any of your children under 18) all for one monthly cost. Under these plans you share the benefits between you. Cover is either Primary Schemes which cover up to 50% of the value of the receipts or Extra Cover which cover up to 100% of the value of the receipts. Cover under this plan is subject to medical underwriting. For full details, please download the Terms & Conditions.

Our Benefits – at a glance

Spouse/Partner and dependent children (under 18) – Covered at no extra cost! For full details please see our Terms & Conditions which can be downloaded via the link at the end of the table.

Monthly Cost per adult
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Spouse/Partner and dependent children (under 18) - Covered at no extra cost! For full details please see our Terms & Conditions brochure.

Scheme 1

£7.75

Scheme 2

£15.50

Scheme 3

£22.00

Scheme 4

£29.50

Scheme 5

£36.50

Scheme A

£47.50

Scheme B

£63.50

Scheme C

£80.00

Scheme D

£94.50

Dental & Optical
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Dental and Optical 

Help towards the cost of all dental treatment including check-ups, and the cost of a sight test and optical appliances, up to the maximum shown.This benefit may be used flexibly according to requirements for both categories. It is payable between all eligible registered persons in any 12 consecutive calendar months. 

Qualifying period – 3 months.


The cost of Eye LaserTreatment, Implantable Contact Lenses (to correct long or short sightedness) and assessments is included in Schemes 3, 4, 5 and the Extra Cover Schemes. 

Qualifying period – 12 months.

Dental Trauma 

For details on DentalTrauma, please refer to the Personal Accident Section. 

£50

£100

£200

£275

£350

£400

£550

£700

£850

Dental Trauma

£250

£375

£500

£625

£750

£1,000

£1,250

£1,500

£2,000

Practitioner
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Practitioner: Physiotherapy, Osteopathy, Chiropractic, Acupuncture, Homoeopathy, Chiropody / Podiatry 

Help towards the cost of consultation and treatment (not including medication or appliances) by a qualified and registered practitioner up to the maximum shown.This benefit may be used flexibly according to requirements for all categories. Payable between all eligible registered persons in any 12 consecutive calendar months. 

Qualifying period – 3 months

£100

£200

£300

£400

£500

£600

£800

£1,000

£1,200

Specialist and Investigations
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Specialist and Investigations 

Help towards the cost of specialists’ consultation fees, allergy testing, vaccination, health screening, pathology tests, x-rays, scans, electrocardiograms and other investigations listed in the rules, all undertaken on an outpatient basis, up to the maximum shown. Payable between all eligible registered persons in any 12 consecutive calendar months. 

Qualifying period – 3 months

£200

£400

£600

£700

£800

£1,200

£1,400

£1,600

£1,800

Birth Grant / Adoption Grant
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Birth and Adoption Grant 

Payable to the policyholder, whether the mother or father of the baby, for each registered birth in hospital or at home. Hospital benefit is payable for the mother in addition to the grant from the sixth night onwards. The grant is also payable for a registered adoption up to the age of 10. 

Qualifying period – 10 months

£100

£200

£300

£400

£500

£600

£800

£1,000

£1,200

Hospital
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Hospital 

General and Hospice:  For an inpatient admission to a hospital or hospice to receive medical treatment. Payable to each eligible registered person for up to 40 nights in any 12 consecutive calendar months. 

Qualifying period – 3 months

Accident: For an inpatient admission to a hospital immediately following an accident. Payable to each eligible registered person for up to 40 nights in any 12 consecutive calendar months. 

No Qualifying period

Elderly and Mental Illness: For an inpatient admission to a hospital for elderly medical care / long stay / rehabilitation / respite / GP care or for a mental illness. Payable to each eligible registered person for up to 50 nights elderly and 50 nights mental illness from first registration, but not for more than 40 nights in a 12 month period. 

Qualifying period – 3 months

£16

£32

£50

£66

£80

£75

£100

£120

£150

Recuperation
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Recuperation 

Following each stay in a hospital or hospice for which benefit has been paid for a minimum of 7 nights, a recuperation grant is payable for each eligible registered person. 

After 7 nights

£40

£80

£100

£120

£150

£150

£180

£225

£300

After 15 nights

£60

£120

£150

£170

£200

£225

£255

£300

£360

Day Case Surgery and Treatment
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Day Case Surgery and Treatment 

For a planned admission to occupy a bed for a day in a hospital or clinic to undergo surgery, treatment or a procedure. Limited to 8 occasions within any 12 consecutive calendar months for each eligible registered person. 

Qualifying period – 3 months

£16

£32

£50

£66

£80

£75

£100

£120

£150

Home Care Assistants and Home Help
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Home Care Assistants and Home Help 

Short term assistance towards the cost of Local Authority services and some privately arranged assistance with organisations if supported by a doctor, up to the maximum shown. Payable between all eligible registered persons in any 12 consecutive calendar months.

Qualifying period – 3 months

£125

£250

£375

£500

£625

£750

£1,000

£1,250

£1,500

Personal Accident
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Personal Accident Benefit

All Claims must be submitted within 6 months of the accident occurring.

If an Accident results in Permanent Disability or death the financial consequences can be enormous. Even less serious injuries can result in a lengthy period off work or confinement to the house. Whilst you may be able to cope in the short term, a longer period of disability can put severe pressure on your finances.

Lump sum cash payments (shown opposite) when they are needed most could ease the financial burden. Policyholders and dependent children are covered 24 hours a day, every day of the year, whether at work, at home or at play.

Permanent Disability: A lump sum cash benefit depending upon the type and degree of Permanent Disability following an Accident.

Facial Disfigurement: A lump sum payment for Permanent facial disfigurement as a result of an accident.

Accidental Death: A lump sum payment if the Accident is fatal

Dental Trauma: A lump sum payment for dental treatment required as a direct result of a blow to the head.

Temporary Disability: (not applicable to children under 16 years of age) A weekly sum payable (normally by direct credit, monthly in arrears) if following an Accident, you are: a) unable to take up your normal paid occupation or any other paid employment; or b) confined to the home (applicable only if you are not in paid employment at the time of the Accident) as certified by a qualified medical practitioner. Payable from the 31st day of your disability for up to 52 weeks. Odd days will be paid at 1 ⁄ 7 of the weekly rate.

Although there is no waiting period under this section, the Temporary Disability benefit is not payable for the first 30 days (Deferment Period) of each period of temporary disablement. 

Fracture Benefits: A lump sum payment for a fracture or fractures to one or more bones of the arm or leg following an Accident. 

Permanent Disability

£5,000

£7,500

£10,000

£12,500

£15,000

£20,000

£25,000

£30,000

£40,000

Accidental Death

£2,500

£3,750

£5,000

£6,250

£7,500

£10,000

£12,500

£15,000

£20,000

HSF Assist ®

GP Advice Line, Virtual Doctor, counselling service, medical information and legal advice. Find out more

HSF PerkBox

Money saving offers, discounted gym membership, special priced cinema tickets, everyday shopping discounts, plus much more. Internet connection and email required for access. Find out more

Download full brochure Download Terms and Conditions (IPID)