| |
Equs |
Equs
Plus |
Foundation |
Foundation
Plus
|
Centum |
|
In-patient Benefits
|
| Accommodation and Nursing Care |
|
• |
• |
• |
• |
• |
| Surgeon and Anaesthetist Fees |
|
• |
• |
• |
• |
• |
| Operating Theatre and Intensive Care Costs |
|
• |
• |
• |
• |
• |
| Drugs, Dressings and Consumables |
|
• |
• |
• |
• |
• |
| Radiotherapy and Chemotherapy |
|
Not Included |
Not Included |
• |
• |
• |
| Diagnostics including MRI and CT |
|
• |
• |
• |
• |
• |
| Dental (oro-surgical operations/procedures only) |
|
• |
• |
• |
• |
• |
| Physiotherapy |
|
• |
• |
• |
• |
• |
| Complications of Pregnancy (Defined Conditions Only) |
|
Not Included |
Optional (altus) |
Optional (altus) |
Optional (altus) |
• |
| In-Patient Psychiatry *** |
|
Not
Included |
Not Included |
Not
Included |
Not
Included |
Optional (altus) |
|
Out-patient Benefits
|
| Outpatient Initial consultation and specialist fees including diagnostics relating to an in-patient admission (A) |
|
(A)(B)(C)
subject to overall £500 limit per year |
•† |
•† |
• |
• |
| Outpatient Initial consultation and specialist fees including diagnostics not relating to an in-patient admission (B) |
|
•† |
•† |
• |
• |
| Subsequent consultation and specialist fees relating to an in-patient admission(C) |
|
•† |
•† |
• |
• |
| Subsequent consultation and specialist fees not relating to an in-patient admission |
|
Not Included |
Not Included |
•† |
• |
• |
| Subsequent diagnostics relating to an in-patient admission |
|
•† |
•† |
•† |
• |
• |
| Subsequent diagnostics not relating to an in-patient admission |
|
Not Included |
•† |
•† |
• |
• |
| Radiotherapy and Chemotherapy |
|
Not Included |
Not Included |
•† |
• |
• |
| Physiotherapy relating to an in-patient admission |
|
£250 per
year |
‡† |
‡† |
‡ |
‡ |
| Complementary Medicine relating to an in-patient admission |
|
| Physiotherapy not relating to an in-patient admission |
|
Not Included |
| Complementary Medicine not relating to an in-patient admission |
|
Not Included |
| Outpatient Psychiatry ** |
|
Not
Included |
Optional
(altus) |
Optional (altus) |
Optional (altus) |
£1,000 per year |
Other Benefits |
| First Choice Hospital List (available option) |
|
• |
• |
• |
• |
• |
| Freedom Hospital List (available option) |
|
• |
• |
• |
• |
• |
| Freedom Hospital List with London Upgrade (available option) |
|
• |
• |
• |
• |
• |
| Freedom Cash Back |
|
£100 per
Night |
£100 per Night |
£100 per Night |
£100 per Night |
£100 per Night |
| Stress Counselling Line |
|
• |
• |
• |
• |
• |
| Home Nursing |
|
Not Included |
£500 per
year |
£1,000 per year |
£1,000 per year |
£1,000 per year |
| Parent accompanying child |
|
£500 per
year |
£500 per year |
£500 per year |
£500 per year |
£500 per year |
| Private Ambulance |
|
Not Included |
£500 per
year |
Not Included |
£500 per year |
£500 per year |
| NHS Cash Benefit (£7,500 per year) |
|
Not Included |
Not Included |
£250 per night |
£250 per night |
£250 per night |
| Monitoring of a pre-cured eligible condition **** |
|
Not Included |
Not Included |
Not Included |
Not Included |
£1,500 per year |
| Maternity Benefit |
|
Not Included |
Not Included |
Not Included |
£100 per child |
£100 per child |
| Excess options |
|
Not Included |
£0 or £150 |
• |
• |
• |
| 24 hour GP Advice Line |
|
Not Included |
Not Included |
• |
• |
• |
| Life Cash Benefit |
|
Not Included |
Not Included |
Not Included |
£1,000 |
£1,000 |
| Personal Accident Cash Benefit |
|
Not Included |
Not Included |
Not Included |
£1,000 |
£1,000 |
| Travel Medical Cover only outside UK |
|
Not Included |
Not Included |
Not Included |
£1 million max per year |
£1 million max per year |
| Worldwide Travel Cover |
|
Optional |
Optional |
Optional |
Optional |
Optional |
| Family Legal Protection Cover |
|
Not Included |
Optional (altus) |
Optional (altus) |
Optional (altus) |
Optional (altus) |
| Domestic Assistance helpline |
|
Not Included |
Optional (altus)
|
Optional (altus) |
Optional (altus) |
Optional (altus) |
| Temporary Disablement Cash Benefit |
|
Not Included |
Optional (altus) |
Optional (altus) |
Optional (altus) |
Not Included |
| Critical Illness Cash Benefit |
|
Not
Included |
Optional
(altus) |
Optional (altus) |
Optional (altus) |
Optional (altus) |
|
| Annual Overall Maximum Benefit (excluding Worldwide Medical Expenses) |
|
£250,000 |
£250,000 |
£1 Million |
£1 Million |
£1 Million |
For included benefits where limits are not stated, full refund applies in accordance with descriptions in the Guide to your Health Scheme
* Centum only available for groups of 100 or more employees
** Outpatient Psychiatry is subject to a ‘waiting period’ full
details are available in the Guide to your Health Scheme. (The waiting
period does not apply to Centum)
*** Inpatient Psychiatry is available as part of the altus package
for Centum only. Maximum benefit per membership year £7,500
**** Monitoring of a pre-cured eligible condition is subject of a waiting
period of 48 months
† Total combined out-patient payment in a membership year £1,500,
of which ‡ is included
‡ Total amount payable in a membership year
£500 of which £250 can be spent on complementary therapies
|
