Ways to Enhance your Private Health Insurance Cover

You can enhance your Private Health Insurance cover by, for example, choosing Everyday Plus instead of Everyday or Freedom Hospitals instead of First Choice Hospitals. You should select the level of cover and hospital choice that best suits your needs, but you can also choose to add any of the following options to enhance the benefits available from your healthcare scheme.

Pre-existing Conditions Cover

When you apply for cover, you have the option to cover treatment relating to up to two pre-existing conditions. You can choose from the following list of defined conditions:

  • Acne
  • Asthma
  • Diabetes
  • Eczema
  • Glaucoma
  • Hypertension
  • Psoriasis
  • Arthritis
  • Carpal Tunnel Syndrome
  • Crohn's Disease
  • Fibrocystic Breast Disease
  • Gastro-Oesophageal Reflux Disease
  • Ulcerative Colitis
  • Varicose Veins

For an additional premium, you can extend your coverage for up to two of the pre-defined conditions. The cover is subject to an annual limit of £1,000 which rolls up year on year to a maximum of £10,000 after 10 years, provided cover has been continuous and there have been no claims relating to the pre-existing condition. This option has helped some people to consider private health insurance for the first time and has caused others with cover elsewhere, to think about switching to General & Medical.

In-patient Psychiatric Treatment

This option gives you cover for both in-patient and day-patient treatment if you are diagnosed with a psychiatric condition. There is a maximum limit of 35 days or £20,000 per membership year. Full terms and conditions are given in ‘the Guide to your Health Scheme’.

Worldwide Travel Insurance

Adding our Worldwide Travel Insurance gives you and your family the peace of mind of medical benefits and repatriation from any country worldwide, wherever you may be. Cover is provided for an unlimited number of trips within any 12 month period.

Other benefits included are:

  • Cover for winter sports
  • Generous cover for personal possessions
  • Cover for cancellation or curtailment of trips
  • Cover for up to 120 days maximum per trip
  • Personal Liability and Personal Accident cover

For a small additional premium, you can also upgrade your cover to include scuba diving. For full details, please download our Personal Healthcare Brochure.

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