Cover Options
Tailor your clients' plans so it works from them. Available for personal and business health insurance plans with 1-249 employees
Boost your clients' plans with our cover options
There's no one size fits all with health insurance. Help your clients' build a plan that is made to fit for them and gives them the reassurance they need.
We offer optional cover for:
- Out-patient treatment
- Mental health support and treatment
- Optical, dental and hearing cover
- Worldwide travel insurance
- And alternative therapies cover
What are our cover options?
All cover options can be added to personal and business health insurance plans
Out-patient cover
Your client will get cover for out-patient consultations, appointments and diagnostic tests, including ultrasounds, blood tests and PET scans.
- Cover limit - your client can choose to cover these costs in full. Or they can select a limit of £500, £750, £1,000, £1,250 or £1,500
- Full diagnostics - even if your clients select a cover limit, they can still add full cover for diagnostics - so their scans, blood tests and more are covered in full
- Physiotherapy - get unlimited physiotherapy within our Priority Physio network. Or we'll cover up to £35 per session, for sessions outside the network
Mental health cover
- Full cover for Talking Therapies - including counselling or cognitive behavioural therapy (CBT), available face-to-face or online
- Out-patient cover - up to £1,500 towards out-patients treatment, outside our Talking Therapies network
- In-patient and day patient - 28 days of in-patient treatment and 28 days of day patient treatment*
* Your clients will be covered for multiple episodes of care during the year. After 56 days without in-patient or day patient treatment, we'll fully restore your clients' benefit limits covering them for further care during their plan year
Optical, dental and hearing cover
Your clients can claim back expenses for some of their most common healthcare costs, including:
- Routine dental and hygiene appointments, dental treatments and emergencies
- Eye tests and new prescriptions for glasses or contact lenses
- Hearing tests and new prescriptions for hearing aids
Worldwide travel cover
We'll cover your clients' for multiple trips a year, up to 120 days each. Your client will get:
- Unplanned travel expenses - up to £10,000 cancellation cover and cover for lost luggage and travel disruption
- Emergency medical expenses - includes medical treatment and repatriation
- Travel vaccinations and medication - your clients can claim back up to £100 each plan year for 12 common jabs and anti-malarial treatment
- Winter sports cover - for up to 21 days every plan year, and cover lost or damaged equipment
Therapies cover
Includes full cover access to holistic treatment pathways, like:
- Chiropractic treatment
- Osteopathy
- Chiropody and podiatry
- Acupuncture
- Homeopathy
- And up to two consultations with a dietician
A GP or consultant referral is required for all of the therapies listed above.
And there's more for business healthcare plans
They'll also have the option to add:
Emergency overseas cover
Whether away on holiday or business, employees get cover of up to £10 million for emergency medical treatment. It also covers repatriation and evacuation back to the UK
Employee assistance programme
Provides support, advice and expert assistance to help your clients' employees through difficult times through a 24-hour telephone advice service and six confidential, face-to-face counselling sessions per year
Personal health fund (PHF)
Can be used to pay for everyday health expenses not covered by private medical treatment, like eye tests or dental check-ups. The more your clients' employees take care of their health, the more we pay into their PHF
Choose how to be treated
Your clients can take control of their cover by choosing where they're treated.
Our Consultant Select panel gives you clients a choice of consultants from our network, based on their location or specialism.
Or they can choose a Hospital List, which gives them more choice over where their treatment takes place.
Where to next?
We're here to help
Your Business Consultant is always ready to support you.
Call charge information
Calls to '03' numbers cost no more than a national rate call to a 01 or 02 number, whether from a mobile or a landline. If you get inclusive free calls to local rate numbers with your landline or mobile tariff, calls to '03' numbers will be included.