Monthly cost per adult
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Dependent children included at no extra cost*
Dependent children included 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. 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.
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. 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. 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.
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. 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 consultations 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 your requirements for all categories. Payable between all eligible registered persons in any 12 consecutive calendar months.
Waiting period – 3 months.
Practitioner: Physiotherapy, Osteopathy, Chiropractic, Acupuncture, Homoeopathy
Help towards the cost of consultations 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 your 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. Payable between all eligible registered persons in any 12 consecutive calendar months.
Waiting period – 3 months.
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. 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.
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.
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.
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 Admission: 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.
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 Admission: 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.
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 £9 as per 1st April 2019. This is subject to change.
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 £9 as per 1st April 2019. This is subject to change.
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Personal Accident
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Personal Accident Benefit
All claims must be submitted within 6 months of the accident occurring.
Permanent Disability: A lump sum payment 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.
Personal Accident Benefit
All claims must be submitted within 6 months of the accident occurring.
Permanent Disability: A lump sum payment 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
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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. *Please note that offers are subject to change.