What can this policy cover?

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This overview explains the benefits that Healthier Solutions offers, and which options you can choose to increase your health cover (increasing your premiums at the same time), or decrease your cover (and reduce costs). We encourage you to read all the information in this section.

A reminder, what is Healthier Solutions?

Healthier Solutions is a private health insurance policy for individuals that can help you get prompt, private medical treatment at a nationwide network of hospitals (PDF 2,191KB):

Cover for hospital charges and diagnostic tests, such as X-rays or scans
Radiotherapy / chemotherapy treatment
We've enhanced our extensive cancer cover, see our cancer pledge for further details and full terms and conditions
Friendly teams to help you arrange cover, make claims and get care
Generous no claims discounts, gym benefits and peace of mind for you and your family…

It’s important to note that pre-existing conditions aren’t covered. We’ve included information about Healthier Solution’s benefits and the different levels of cover we offer in the dropdown sections on this page – but there’s a lot to take on board. So we’ve also provided information in these PDF documents, which will open in a new window:

What types of illness or injury does Healthier Solutions cover?

Healthier Solutions is designed specifically to treat acute conditions that start after your policy begins. 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.

We have a friendly team on hand to answer any questions you have about Healthier Solutions, and run through what you may or may not be able to claim for depending on your medical history.

Which benefits are included in the core cover?

These are just some of the benefits we provide with Healthier Solutions’ core cover. There are others, but these are some of those we’re asked about most often – so we’ve listed them here.

Hospital fees at a private hospital on your list
Specialists’ fees up to the limits in our specialist fee schedule
Consultation fees with a private specialist
Diagnostic tests including X-rays, scans and ECGs
Radiotherapy / chemotherapy
Targeted cancer therapies for up to 12 months per condition
Surgical procedures on the teeth performed in a hospital
Specialist referred physiotherapy, osteopathy and chiropractic treatment
Access to our GP helpline and our Stress Counselling helpline free of charge, 24 hours a day.

Core Cover also includes our enhanced 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 following surgery such as 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 whilst you are a member of the policy, 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, such as regular replacement of tubes or drains, for up to five years after your treatment for cancer has finished
Preventative surgery, only if you have already had treatment for cancer that we have 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 if you are admitted to a hospice
- 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

The complete list is in our Our Healthier Solutions brochure (PDF 1,873KB), along with details of any benefit limits that apply. We encourage you to read about them all, and look through the information in that brochure, at your convenience. If you have any questions, or want to ask questions about benefits and claims, we’ll be happy to help.

What can I add to the core cover?

Private health insurance is a very personal matter. You may want to add these options to your core cover, so that you can access more healthcare benefits. If you add them, then your premiums will be higher – and it’s important to know that benefit limits apply:

Complementary therapies referred by your GP
Dental and optical cover
Psychiatric treatment
A protected no claim discount
Extended hospital list

Full details of these optional benefits and the associated benefit limits are included in our Our Healthier Solutions brochure (PDF 1,873KB).

How could I reduce the cover and costs?

Choosing these options won’t reduce the quality of prompt, private care you’ll receive with Healthier Solutions. They will reduce the level of cover on your policy, and your premiums may be lower by choosing them – so these could help you cut the costs of private health insurance for you and your family:

Reduced hospital lists
Reduced out-patient cover
A policy excess, payable towards the cost of your claims
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

Full details of these options, and any benefit limits that apply, are included in our Our Healthier Solutions brochure (PDF 1,873KB).

What’s not included with this policy?

Like most private health insurance policies, Healthier Solutions won’t cover any pre-existing conditions unless we’ve expressly included treatment relating to them during our underwriting process. There are also some specific treatments and conditions that aren’t covered by our medical insurance.

Treatment undertaken by a specialist without your GP’s referral
Pre-existing conditions
Long term or chronic conditions. This exclusion does not apply to treatment for cancer
HIV/AIDS and related conditions
Treatment for pregnancy or childbirth (although some complications may be covered if the mother has been on the policy for at least 10 months)
Diagnostic tests and treatment for infertility
Surgical or medical appliances such as neurostimulators (eg cochlear implants) and crutches
Charges made by a GP, medical practitioner or specialist for completing a claim form
Alcoholism, alcohol abuse, drug abuse, solvent abuse and other addictive conditions
Psycho-geriatric conditions
Kidney dialysis
Cosmetic treatment (except following an accident or surgery for cancer)
Take-home drugs and dressings
Professional sports injuries
Experimental treatment. This exclusion does not apply to treatment for cancer
Treatment required as a result of war, terrorism or contamination by radioactivity or chemicals
Self-inflicted injury
Sexual dysfunction
Sleep disorders and sleep problems such as snoring or sleep apnoea
Treatment for warts or verrucas
Weight loss surgery

What are the extra benefits?

As well as giving you access to some great discounts, Healthier Solutions can also help you and your family stay healthy. To do this, we include these additional benefits with every policy:

Up to 66% no claim discount from day one*
Up to 50% discount on membership at selected UK gyms
MyHealthCounts – an online plan that can help you understand more about your health and could help you save money at renewal
Free cover for younger children when taking cover for yourself and your eldest child under 20
Guidance from our 24 hour GP helpline
Support with our 24 hour Stress Counselling helpline

* A no claim discount of 0–66% for the first year is given against our standard maximum premium payable due to previous medical claims. Private health insurance premiums and no claims discount arrangements are annually reviewable.

What else do I need to know?

Full details of the cover that’s provided by Healthier Solutions are in our terms and conditions booklet, which you can download on this page as a PDF. We’ve also included Our Healthier Solutions brochure (PDF 1,873KB) – and we encourage you to read both documents before giving us a call or applying for cover online.

You’ll need to complete an application form for us to work out the final terms of your policy if we accept your application and, depending on your circumstances, non-standard terms may apply.

So, what’s next?

As healthcare experts, we think it’s important to make private health insurance straightforward and easy to use. Just follow these three simple steps if you’d like to put Healthier Solutions into place:

Step 1 – tell us about yourself

Give us your details when you get a quote online
Call us on 0800 015 5192, using the reference INT HS2
We can call you at your convenience. Ask us to call you

Step 2 – tell us how Healthier Solutions would fit you best

Let us know how Healthier Solutions can help you most and which benefits you’d like in addition to the core cover. Remember, everyone receives these benefits as standard:

Prompt, private medical treatment at a nationwide network of hospitals and clinics
Costs covered for all hospital charges and diagnostic tests, such as X-rays or scans
Radiotherapy / chemotherapy treatment

Step 3 – get cover and start enjoying the benefits of Healthier Solutions

You’ll need to complete an application form for us to work out the final terms of your policy if we accept your application. Depending on your circumstances, non-standard terms may apply – but full details of cover are in our terms and conditions booklet. You can download these terms and conditions as a PDF here:

Healthier Solutions terms and conditions (PDF 239KB)

Tell us how Healthier Solutions would fit you best

You can phone us direct on 0800 015 2989, using reference INT HS3.

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