Choices overviewSelf-pay or co-payment healthcare alternativeSome medical procedures can cost tens of thousands of pounds - if you're planning co-payment or to self-pay some of your private healthcare, it's important to make sure you don't leave yourself exposed to unlimited medical bills. High excess healthcare insurance means that by funding treatment costs up to an agreed level yourself, with fully comprehensive insurance for treatment that exceeds that agreed financial limit, your premiums are kept down. So if you want to reduce your premiums by contributing more towards your claims then Choices high excess healthcare is the ideal plan. |
The healthcare benefits Choices offers you:
Choices offers three high excess levels in return for reduced premiums. Once the price of eligible private treatment reaches the excess level, Choices provides comprehensive cover for in-patient, day-patient and out-patient treatment that takes place in the UK.
When you take out a Choices healthcare plan, you choose your excess level - £1,000, £2,500 or £5,000. If you need treatment that costs more than your chosen limit, then you pay the agreed excess amount direct and the plan then takes over. Any amount over your excess for that claim is fully covered for eligible treatments, with no overall financial limits in any policy year.
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Choices high excess medical insurance provides the following levels of cover:
| BENEFITS | INCLUDED | NOTES |
|---|---|---|
| IN-PATIENT AND DAY-PATIENT TREATMENT | ||
| Hospital charges | Full cover | Treatment can take place in any hospital on your chosen hospital list |
| Consultants'/specialists' fees | Full cover | |
| Diagnostic tests | Full cover | |
| Radiotherapy/chemotherapy | Full cover | |
| Psychiatric treatment | Up to 28 days per policy year | |
| OUT-PATIENT TREATMENT | ||
| Consultations with a consultant/specialist | Full cover | Treatment can take place in any hospital on your chosen hospital list |
| Diagnostic tests | Full cover | |
| Radiotherapy/chemotherapy | Full cover | |
| Physiotherapy | Full cover | |
| Psychiatric treatment | NO | Available with Primecare, Primecare Plus and Primecare Gold |
| ADDITIONAL BENEFITS | ||
| Nursing at home | Up to 13 weeks per policy year | Must follow in-patient treatment, be on specialist referral and be at least 7 hours a day |
| Recuperative care | NO | Available with Primecare, Primecare Plus and Primecare Gold |
| Private ambulance | Full cover | On specialist recommendation |
| Parent accommodation when staying with a child | Full cover | Child must be under 14 and covered by the policy - one insured parent only |
| NHS cash benefit | NO | Available with all Primecare plans |
| ADDITIONAL FEATURES | ||
| Alternative medicines | Full cover | Chiropractic, osteopathy, homeopathy and acupuncture |
| Complications of pregnancy | Full cover | After 10 months membership |
| Treatment Information Service | YES | Unlimited telephone access |
| A choice of hospital lists | YES | Countrywide list, London upgrade and Extended London upgrade options |
| Optional add-on benefits | YES | Major Dental Cash, Hospital Cash, Personal Accident and Critical Illness |
| HEALTHY REWARDS | ||
| 24-hour GP Advice Line | YES | Unlimited access |
| 24-hour Counselling Line | YES | Unlimited access |
| Health & Well-being service | YES | Unlimited online access |
| Health screen discount | YES | Up to 10% off |
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