Flexible Benefits

This range of schemes is designed for personal policies. There are over 35 benefits in this scheme all of which provide up to 100% cover. Dependent children living with you who are under the age of 18 can be added at no extra cost and share the benefits. Under these schemes, your spouse and partner are also eligible to take advantage of the benefits and pay the same premium rate as you. HSF Perkbox is also included in this plan. It is an online benefit exclusive to HSF health plan policy holders and gives access to a range of discounts at the cinema, gym and a number of well-known high street stores.

For full details please see our Terms & Conditions which can be downloaded via the link at the end of the table.

Annual Benefits Table

All benefits pay 100% of your expenditure up to the maximum shown

Monthly cost per adult
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Dependent children at no extra cost*

Scheme V1

£5

Scheme V2

£11

Scheme V3

£18

Scheme V4

£31

Scheme V5

£44

Scheme V6

£57

Scheme V7

£70

Dental
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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. It is payable between all eligible registered persons in any 12 consecutive calendar months. 

Waiting period – 3 months.

The cost of Eye Laser Treatment, Implantable Contact Lenses (to correct long or short sightedness) is included in all Schemes. 

Waiting period – 12 months.

Dental Trauma

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

£30

£60

£100

£200

£250

£350

£425

Dental Trauma

£250

£375

£500

£1,000

£1,250

£1,500

£2,000

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. It is payable between all eligible registered persons in any 12 consecutive calendar months. 

Waiting period – 3 months.

The cost of Eye Laser Treatment, Implantable Contact Lenses (to correct long or short sightedness) is included in all Schemes. 

Waiting period – 12 months.

Dental Trauma

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

£35

£75

£120

£220

£275

£375

£450

Practitioner
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Practitioner: Physiotherapy, Osteopathy, Chiropractic, Acupuncture, Homoeopathy

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. 

Waiting period – 3 months.

£75

£150

£225

£450

£600

£750

£900

Chiropody & Podiatry
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Chiropody/Podiatry

Help towards the cost of chiropody and podiatry 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. 

Waiting period – 3 months.

£25

£50

£75

£150

£200

£250

£300

Specialist Consultations & Investigations
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Specialist and Investigations

Help towards the cost of specialists’ consultation fees, allergy testing, vaccination, 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. 

Waiting period – 3 months.

£100

£200

£300

£600

£1,000

£1,100

£1,200

Health Screening
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Health Screening

Help towards the cost of health screening at a Health Screening Clinic following a recommendation from a General Practitioner. Payable between all eligible registered persons in any 12 consecutive calendar months. 

Waiting period – 3 months.

£50

£100

£150

£300

£400

£500

£600

Birth & Adoption
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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 (if she has her own policy) 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. 

Waiting period – 10 months.

£100

£200

£300

£600

£800

£1,000

£1,200

Hospital & Day Case Combined
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Hospital and Day Case

This is a combined benefit payable for each eligible registered person with the maximum amount of occasions being 20 nights or days in any 12 consecutive calendar months.

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 20 nights in any 12 consecutive calendar months. 

Waiting period – 3 months.

Accident: For an inpatient admission to a hospital immediately following an accident. Payable to each eligible registered person for up to 20 nights in any 12 consecutive calendar months. 

No Waiting 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 30 nights elderly and 30 nights mental illness from first registration, but not for more than 20 nights in a 12 month period. 

Waiting period – 3 months.

Day Case: For a planned admission to occupy a bed for a day in a hospital or clinic to undergo surgery, treatment or a procedure. 

Waiting period – 3 months.

£10

£15

£20

£40

£80

£100

£120

Recuperation
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Recuperation

Following each stay in a hospital or hospice for which benefit has been paid for a minimum of 10 nights, a recuperation grant is payable for each eligible registered person.

£50

£75

£100

£150

£180

£225

£300

Prescription
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Prescription

Help towards the cost of your prescription charges by reimbursement of the current NHS single item prescription rate*. The number of prescriptions you can claim for in any 12 consecutive calendar months are shown against the scheme level. Dependent children are NOT covered under Prescriptions. 

Waiting period – 3 months.

*Current NHS Prescription rate is £8.60 as per 1st April 2017. This is subject to change.

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2

3

4

5

6

7

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

£20,000

£25,000

£30,000

£40,000

Accidental Death

£2,500

£3,750

£5,000

£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 brochure Download Terms and Conditions (Insurance Product Information Document)