Solutions explained
Solutions is one of the most versatile corporate products on the market, targeted towards companies with any number of employees between 2 and 249. Solutions is built around a core set of benefits that your clients can then choose to add-to using our upgrade options or reduce using our cost containment options, depending on where they feel they need the cover. If upgrade options are chosen a percentage is added to the premium. If a cost containment option is included the premium will be reduced.
The cover and the options are explained below. The information is not exhaustive and is not intended as a policy summary. Please refer to the Solutions Policy Wording for the full details of what is and what is not covered.
- Core Cover
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- In-patient and day-patient treatment of acute conditions at a hospital on the selected hospital list (see hospital list options below). This will include hospital charges, specialists’ fees and diagnostic tests.
- Out-patient treatment is also covered for acute conditions and will also include specialists’ fees and diagnostic tests.
- Nursing at home following eligible in-patient or day-patient treatment
- Private ambulance
- Emergency overseas cover
- NHS cash benefit
- Psychiatric Cover
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Offers cover for combined psychiatric in-patient and day-patient treatment, for either 28 or 45 days.
- GP Referred Services
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Cover for treatment of routine Specialist consultations for non-acute conditions. The option also covers GP referred treatment for:
- Chiropody
- Podiatry
- Physiotherapy
- GP minor surgery
- Dental and Optical
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Upgrade option adding additional benefit towards routine dental expenses, accidental dental injuries and optical expenses.
- Six week option
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Cost containment option where eligible in-patient or day-patient treatment and NHS Cash Benefit will only be available if treatment is not available as an NHS patient within six weeks.
- Add an excess
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Add a member excess to the policy of:
- £50 or
- £100 or
- £150 or
- £200
If they need to make a claim each member will need to pay the excess figure. This excess applies once per person per policy year.
- Selected Benefit Reduction
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The following is excluded from cover:
- Investigations infertility
- Abnormal pregnancy
- Emergency overseas cover
- Oral surgical procedures will be excluded
- Cover for other in-patient, day-patient and out-patient treatment will still be included
- Reduced out-patient
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This Option provides cover in full for:
- CT, MRI and PET scans at a diagnostic centre that we recognise
- Out-patient radiotherapy
- Out patient chemotherapy
However, all other out-patient treatment is limited to £1,000 per person per policy year.
- Hospital Lists
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Your client must choose which hospital list they wish to have on their policy. This will be a list of hospitals that their employees are eligible to receive treatment in.
Your client must choose which hospital list they wish to have on their policy. This will be a list of hospitals that they are eligible to receive treatment in. List options are:
Key Hospital List
Included as standard in the core cover.
Trust Care Hospital List
Uses excellent private patient units with the NHS Trust and Partnership hospitals, this option reduces the premium.
Signature Hospital List
For clients based solely in Scotland or Northern Ireland this option reduces the premium.
Extended Hospital List
Increases the choice of hospitals and increases the premium.
- Premiums
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Solutions premiums are calculated from our base rates which depend on the age of each employee and the area of the country that the company is based (from these base rates the selected option increase/reduction is applied).