Available Covers | Personal Healthcare | Health Insurance by General & Medical

Equs Range
Altus Range

Equs Range – essential, affordable cover

The Equs range is designed to give you the benefits of private healthcare, at the lowest cost. Because of this, the Equs range has proved very popular with individuals and families, who may not have considered private healthcare before.

Equs Key

Equs Key provides you with an essential level of cover and may suit you if you are looking for in-patient cover only. Equs Key has an annual overall maximum benefit limit of £50,000 per person.

You’ll have fast access to an initial consultation and diagnostic tests so you can find out very quickly whether something is wrong. You’ll also be covered if you need to be admitted to a private hospital for surgery for an acute condition.

Equs

Equs has all the benefits of Equs Key but it includes a level of cover for the treatment of cancer that increases for each of the first five years of your membership, if you don’t make a claim for cancer.

In addition, within certain limits, there is out-patient cover for therapies, complementary medicine and cardiovascular conditions. Equs really does have the potential to meet your medical needs, at a price to suit most budgets.

Equs Plus

Equs Plus offers more protection. There are higher limits for out-patient benefits and more comprehensive cover for therapies and complementary medicine.

Perhaps more importantly, Equs Plus provides in-patient cover for cardiovascular conditions. There is also a higher level of cover for the treatment of cancer that increases for each of the first ten years of your membership, if you don’t make a claim for cancer. There are useful additional benefits such as cover for a private ambulance and home nursing. Cash benefits are also included for temporary disablement and critical illnesses. In this way, Equs Plus provides a level of cover to protect the vast majority of people and their loved ones.

For more details, please take a look at the Policy Summary and key facts in our Personal Healthcare brochure. Full terms and conditions are contained in 'the Guide to your Health Scheme' which is provided when your policy is set up and is available on request.

Altus Range – a comprehensive choice

The Altus range is our most popular range of schemes, designed to provide you and your family with an excellent choice at a price to suit most budgets. Altus is a range of comprehensive healthcare schemes. Whether you need to see a specialist as an out-patient, or go into hospital as an in-patient or day-patient, there is a scheme to suit you.

Altus Key

Altus Key provides fast access to initial consultation and diagnostic tests, so you can find out very quickly whether something is wrong and may suit you if you are looking for a comprehensive level of in-patient cover only.

Comprehensive cover is given for admission to a private hospital for surgery of acute conditions. This includes a level of cover for cancer treatment that increases for each of the first ten years of your membership, if you don’t make a claim for cancer.

Altus

Altus may be the right choice for you if you need comprehensive cover for in-patient care and you are happy to accept out-patient benefits which are subject to certain limits, in return for a lower monthly premium.

Of course, cover is provided for cancer treatment including radiotherapy and chemotherapy. In addition, with access to our GP advice line 24 hours a day, you and your family will be able to discuss any health concerns at any time, without having to trouble your own doctor.

Altus Plus

Altus Plus provides all the benefits of Altus and more. There are higher limits for out-patient benefits but there are also useful additional benefits such as cover for a private ambulance and home nursing.

A life cash benefit is also included and there are cash benefits for personal accident, temporary disablement and critical illness. Importantly, Altus Plus also provides you with medical cover outside of the UK. If you or your family are taken ill or are injured overseas, Altus Plus is designed to meet the medical costs and the costs of transportation back to the UK for urgent medical attention. Cover is also provided for a doctor to accompany you, if necessary.