Personalise your cover

Our core cover includes dental procedures carried out in hospital. By adding on Dental and Optical cover, you'll get:

• up to £150 towards glasses and contact lenses with a £50 excess
• up to £250 for routine dental treatment, with a £50 excess
• up to £600 for dental treatment after an accident.

The £50 excess applies to each person on the policy, every policy year.

With core cover, you get up to £2,000 towards GP-referred outpatient mental health treatment. With the mental health add-on, you’ll also get:

• treatment as an inpatient or daypatient, for up to 28 days
• specialist fees for inpatient treatment, in line with our fee guidelines.

When you choose our extended hospital list, this increases the number of hospitals you can use, especially in the Greater London area. 

You can find out more about the different lists to choose from on our hospital options page. Or there’s more detailed information in these documents:

• Expert Select
• Hospital Options

This feature means you only need a referral from a GP - not a specialist - to receive physiotherapy, osteopathy and chiropractic treatment. You’ll get:

• up to 10 sessions per health condition, such as tendonitis, with a physiotherapist, chiropractor, osteopath or acupuncturist
• up to £100 per procedure towards a minor surgery carried out by a GP – like skin tag removal or joint injections.

This helps keep your insurance costs stable even if you need to make a claim. Here’s how it works:

• Your NCD protection will start if you make a claim that would result in your premium going up.
• You have to wait until you’re claim-free for one year before you can protect your NCD again.

No claims discount guide

When you add this feature to your cover, it can help reduce your premiums. You’ll only claim if the treatment you need isn’t available on the NHS within six weeks. 

Read our T&Cs

We offer two types of reduced hospital options. The Signature hospital list only includes medical facilities in Scotland and Northern Ireland. 

By selecting this feature you’ll only have access to these hospitals for treatment. 

Hospital options guide

Our second reduced hospital option is the Trust hospital list. This is made up of NHS Trust and Partnership private hospitals in your local area. 

You can find out more about on our hospital options page. 

Hospital options guide

Outpatient cover is a feature of your policy that pays for consultations and treatment where you don’t need to stay in hospital overnight. 

You can reduce your outpatient cover limit to either £0, £500 or £1,000, as well as removing some outpatient benefits. These limits don’t apply to cancer treatment. 

Read our T&Cs