Available Covers

Equs Range – essential, affordable health insurance cover

The Equs Range is designed to give the benefits of private healthcare, at the lowest cost and has proved popular with companies who may not have considered Private Health Insurance before. If a member experiences worrying symptoms and thinks something is wrong, any one of the covers in the Equs range will give them some control over the situation.

Equs Key

Equs Key provides an essential level of cover. Members have fast access to an initial consultation and diagnostic tests to find out very quickly whether something is wrong*. They'll also be covered if they need to be admitted to a private hospital for surgery of an acute condition. Equs Key may suit you if you are looking for an essential level of cover for in-patient surgery. Equs Key has an annual overall maximum benefit limit of Β£50,000 per person.

* Cover is only available where the initial consultation and diagnostics relate to an in-patient admission.

Equs

Equs has all the benefits of Equs Key but it includes an essential level of cover for the treatment of cancer that increases for each of the first five years of membership, if the member doesn't make a claim for cancer. In addition, within certain limits, there is outpatient cover for therapies, complementary medicine and cardiovascular conditions. Cash benefits for life and critical illness are also included. Equs really does have the potential to meet your needs, at a price to suit most budgets.

Equs Plus

Equs Plus provides all the benefits of Equs and more. 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 fiveΒ years of membership, if the member doesn't make a claim for cancer. A cash benefit is also included for temporary disablement.

Equs Elite

Equs Elite is the highest level of cover in our Equs Range and is a popular choice within a company scheme where a higher level of cover is needed for senior staff. The level of cover for the treatment of cancer and the limits for out-patient benefits including therapies and complementary medicine are all a further step higher than Equs Plus. Equs Elite also provides cover for routine dental services, optical services and for private GP services. In addition, Equs Elite includes cover for private maternity services for the delivery of a baby within a private medical facility.

Altus Range – a comprehensive choice

The Altus Range is our most popular range of company paid schemes, designed to provide an excellent choice of comprehensive cover at a price to suit most budgets. Whether the member needs to go to hospital as an in-patient or a day-patient, or to see a specialist as an out-patient, they are guaranteed access to some of the best care available. The Altus Range also includes enhanced Cancer cover.

Altus Key

Altus Key provides fast access to initial consultation and diagnostic tests, so members can find out very quickly whether something is wrong*. Comprehensive cover is also given for admission to a private hospital for surgery of acute conditions. This includes cover for cancer treatment including radiotherapy and chemotherapy.

* Cover is only available where the initial consultation and diagnostics relate to an in-patient admission.

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 payment. Of course, cover is provided for cancer treatment including radiotherapy and chemotherapy. Cash benefits for life and critical illness are also inluded. In addition, with access to our GP advice line 24 hours a day, members will be able to discuss any health concerns at any time, without having to trouble their 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. There are also cash benefits included for personal accident and temporary disablement.

Importantly, Altus Plus also provides members with medical cover outside of the UK. If they are taken ill or injured overseas, Altus Plus is designed to meet the medical costs and the cost of transportation back to the UK for urgent medical attention. Cover is also provided for a doctor to accompany them, if necessary.

Altus Elite

Altus Elite is the highest level of cover in our Altus Range and is a popular choice within a company scheme where a higher level of cover is needed for senior staff. In addition to all the benefits of Altus Plus, Altus Elite provides cover for routine dental services, optical services and for private GP services as well as palliative care for cancer patients. Cover is also provided for private maternity services.

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