It’s important to know that pre-existing conditions aren’t covered. We know there’s a lot to take on board so, to help you, we’ve added the policy brochure and terms and conditions to this page as PDFs.
Healthier Solutions covers acute conditions that start after your policy begins. Here are just some of the benefits included in Healthier Solutions’ core cover. There are others and you’ll find these in our Healthier Solutions brochure (PDF, 2.68MB) – and, if you want to, you can increase your core cover, thereby increasing your premiums, or decrease the cover and reduce your costs.
An acute condition is a disease, illness or injury that’s likely to respond quickly to treatment so that you can return to your previous level of health.
Chronic conditions are those illnesses, diseases or injuries that either continue indefinitely, have no known cure, come back (or are likely to come back), need long term monitoring or need ongoing control or relief of symptoms. Chronic conditions aren’t covered by Healthier Solutions.
Extensive cancer cover — included in core cover
We know how important it is to make sure your cover is provided by someone who understands difficult medical conditions like cancer. Our specialist oncology (cancer) team is trained to take your calls, find out how we can help you, and make sure that — if you need to make a claim — you’re getting all the benefits you’re entitled to from our cancer cover.
Hospital charges for surgery and medical admissions at a hospital on your list
Specialists’ fees up to the limits in our specialist fee schedule
Post surgery services - includes specialist services after surgery, like consultations with a dietician or stoma nurse
Radiotherapy and chemotherapy, including targeted drug therapies for cancer
Bisphosphonates (bone strengthening drugs)
Treatment prescribed by your specialist for side effects while you are receiving chemotherapy or radiotherapy
Up to £100 towards a wig if you suffer hair loss caused by cancer treatment (We will pay £100 in total while you’re a policy member, not per policy year)
Up to £5,000 towards the cost of the first external prosthesis following surgery for cancer
Stem cell and bone marrow transplants. This includes collection, storage and implantation
Monitoring for up to ten years after your treatment for cancer has finished
Ongoing needs, like regular replacement of tubes or drains, for up to five years after treatment for cancer has finished
Preventative surgery, only if you’ve already had treatment for cancer that we’ve paid for. For example, we will pay for a mastectomy to a healthy breast in the event that you have been diagnosed with cancer in the other breast
End of life care
We will pay for end of life care in a hospital if this is medically necessary
Hospice donation of £100 per night, up to £10,000 for admissions to hospices
Donation of £50 per day to a registered charity if you are visited at home by one of their nurses, up to the £10,000 limit
Build up healthy discounts
Up to 25% discount on membership at selected UK gyms
By using our My Health Counts online health assessment tool, you could receive a potential discount of up to 15% on your renewal premium.
Other treatment and therapies including osteopathy, physiotherapy, chiropractic
Protected no claim discount
Choice of hospital lists
Ways to reduce your cover
Six week option
Reduced out-patient cover £0, £500 or £1,000 limit
Choice of excesses £100, £200, £500, £1,000, £3,000, £5,000
Choice of reduced hospital lists
Further information on your cover
You can add any of the following options to your core cover. If you do, then your premiums will increase. It’s also important to know that benefit limits apply:
A protected no claim discount
Complementary therapies referred by your GP
Dental and optical cover
Extended hospital list
Or, you can reduce the level of cover on your policy by choosing any of the following options. Your premiums may be lower by choosing them – so these could help you cut the costs of private health insurance.
A policy excess, payable towards the cost of your claims
Reduced hospital lists
Reduced out-patient cover
Six week option, which means you won’t be able to claim for in-patient or day-patient treatment, or NHS cash benefit, if the NHS can treat you within six weeks from the date your specialist recommends it.
What’s not covered by Healthier Solutions?
Like most private health insurance policies, Healthier Solutions won’t cover pre-existing conditions. The way we deal with previous conditions will depend on the type of underwriting that you choose. There are also some specific treatments and conditions that aren’t covered by our health insurance. The following list is just a summary of the exclusions and you can find a more extensive list in the Healthier Solutions Terms and Conditions.
Further information on what’s not covered
Cosmetic treatment (except following an accident or surgery for cancer)
Experimental treatment (This exclusion does not apply to treatment for cancer)
Professional sports injuries
Treatment by a specialist without your GP’s referral
Treatment for pregnancy or childbirth (some complications may be covered if the mother has been on the policy for at least 10 months)
Treatment required as a result of war, terrorism or contamination by radioactivity or chemicals
AIDS/HIV and related conditions
Alcoholism, alcohol abuse, drug abuse, solvent abuse and other addictive conditions
Sleep disorders and sleep problems such as snoring or sleep apnoea
Surgical or medical appliances such as neurostimulators (eg cochlear implants) and crutches
Treatment for warts or verrucas
Weight loss surgery
Charges made by a medical practitioner for completing a claim form
Diagnostic tests and treatment for infertility
Long term or chronic conditions (This exclusion does not apply to treatment for cancer)
Take-home drugs and dressings
A comprehensive private health insurance policy has a range of benefits and features that suit your needs as well as your budget. Find out more about Healthier Solutions in detail, with these documents.