Private medical insurance for 1-249 employees

Increase your cover

Increase your cover with these options

• Dental and optical
  Cover for routine dental treatment, treatment for accidental dental injuries and optical expenses, each up to a specific limit.
• Mental health upgrade
  Cover for in-patient or day-patient psychiatric treatment through the Mental Health Pathway, up to a combined limit of either 28 or 45 days, if an employee is diagnosed with an acute psychiatric condition. This option cannot be selected if you select the £0 out-patient limit, or for members in Northern Ireland, the Channel Islands, Isle of Man or Isle of Wight.
• Routine and GP referred services
  Includes consultations and diagnostic tests with a specialist for chronic conditions, GP referred radiology, pathology for non-musculoskeletal conditions and GP referred therapies for non-musculoskeletal conditions - up to £1,000 in combined total for each member, every policy year.
• Hospital options
  Expert Select, our guided hospital option is included as part of core cover. With Expert Select we will provide your employees with a choice of quality assured hospitals in their local area when they need to make a claim. If you would like your employees to be able to choose specific hospitals in their area to have treatment at, you can choose from one of our hospital lists. The Extended hospital list will give your employees an extensive number of hospitals to choose from.

Reduce your cover

Make your cover more affordable with these policy options

• Six week option
  Reduce your premium by choosing to use the NHS for in-patient or day-patient treatment if it's available on the NHS within 6 weeks. Your employees will still be covered for private out-patient treatment, but private in-patient or day-patient treatment will only be covered if NHS treatment isn't available within 6 weeks.
• Policy excess
  Reduce your premium by choosing a £50, £100, £150, £200, £250 or £500 member excess.
  We apply the excess once, for each member, every policy year, regardless of the number of claims made during that policy year.
• Selected benefit reduction
  This option removes benefit for:
  * treatment for complications of pregnancy and childbirth
  * investigations into the causes of infertility, and
  * surgical procedures on the teeth performed in a hospital.
  
• Reduce your out-patient cover
  Reduce your premium by limiting out-patient cover to £0, £1,000 or £1,500 for each member every policy year. Even if you choose one of these options, there will still be full cover for CT, MRI and PET scans, surgical procedures, radiotherapy and chemotherapy, physiotherapy for musculoskeletal conditions through BacktoBetter and pre-admission tests.  Plus the limit doesn't apply to cancer treatment received after being diagnosed with cancer.If you select a £1,000 or £1,500 out-patient limit, there is also full cover for out-patient mental health treatment through the Mental Health Pathway. If you choose the £0 limit, Mental Health Pathway is removed from cover, meaning there is no cover for mental health conditions.
• Hospital options
  To reduce your premium you can choose one of our reduced hospital lists. The Signature hospital list includes hospitals in Scotland and Northern Ireland only, or you can choose the Trust hospital list of NHS Trust and Partnership private hospital units, if you live within the catchment area.