Bob has been with Standard Life Healthcare for three years when he develops hip pain. His GP refers him to an osteopath who treats him every other day for two weeks and then recommends that he return once a month for additional treatment to prevent a recurrence of his original symptoms.
We pay for Bob's two weeks of treatment as this helps stabilise his symptoms, and remind him that his plan provides up to £1,000 per plan year for alternative medicine.
We also tell him that we cannot cover his regular monthly treatments, as these are designed to keep the symptoms in check, but that if his symptoms worsen, he should contact us again.
If Bob's condition did deteriorate significantly and his consultant recommended a hip replacement, Standard Life Healthcare would cover the cost of this. As the operation would replace the damaged hip and thereby cure Bob's problem, we would pay for all the costs relating to this operation.
