Variable | Description | Premium Variance |
---|---|---|
Excess | Amount of claim payable by member. |
|
Hospital network scale | Defining the number and location of treatment facilities available. |
|
Outpatient Limit | Limiting outpatient cover. |
|
Mental health | Increasing mental health cover provision. |
|
Therapies | Inclusion of physio, acupuncturists, homeopaths, osteo or chiro cover. |
|
Extra cancer cover | Increasing cancer cover, typically to provide more outpatient and home care treatment. |
|
Six week waiting list | Restriction of treatment to any condition untreatable by the NHS within 6 weeks. |
|
Dental and optical | Inclusion of dental and optical, routine and non-routine, cover. |
|
Employee assistance plan (EAP) | Telephone based stress counselling service. |
|
Variable | Premium Variance | |
---|---|---|
Excess |
|
keyboard_arrow_down |
Amount of claim payable by member. | ||
Hospital network scale |
|
keyboard_arrow_down |
Defining the number and location of treatment facilities available. | ||
Outpatient Limit |
|
keyboard_arrow_down |
Limiting outpatient cover. | ||
Mental health |
|
keyboard_arrow_down |
Increasing mental health cover provision. | ||
Therapies |
|
keyboard_arrow_down |
Inclusion of physio, acupuncturists, homeopaths, osteo or chiro cover. | ||
Extra cancer cover |
|
keyboard_arrow_down |
Increasing cancer cover, typically to provide more outpatient and home care treatment. | ||
Six week waiting list |
|
keyboard_arrow_down |
Restriction of treatment to any condition untreatable by the NHS within 6 weeks. | ||
Dental and optical |
|
keyboard_arrow_down |
Inclusion of dental and optical, routine and non-routine, cover. | ||
Employee assistance plan (EAP) |
|
keyboard_arrow_down |
Telephone based stress counselling service. |
Variable | Description | Premium Variance |
---|---|---|
Full medical underwriting (FMU) | Completion of a health questionnaire is required in order for insurer to confirm cover, any cover limits or premium loadings to be applied. |
|
Continued personal medical exclusions (CPME) | Continuing your exclusion terms from your previous PMI policy. No need for medical questionaire. |
|
Moratorium (Mori) | No cover for pre-existing conditions with symptoms or treatment within last five years, until you’re symptom or treatment free for two years. No need for medical questionnaire. |
|
Medical history disregarded (MHD) | Typically only available to schemes with >50 members. No personal medical exclusions for any pre-existing conditions. |
|
Variable | Premium Variance | |
---|---|---|
Full medical underwriting (FMU) |
|
keyboard_arrow_down |
Completion of a health questionnaire is required in order for insurer to confirm cover, any cover limits or premium loadings to be applied. | ||
Continued personal medical exclusions (CPME) |
|
keyboard_arrow_down |
Continuing your exclusion terms from your previous PMI policy. No need for medical questionaire. | ||
Moratorium (Mori) |
|
keyboard_arrow_down |
No cover for pre-existing conditions with symptoms or treatment within last five years, until you’re symptom or treatment free for two years. No need for medical questionnaire. | ||
Medical history disregarded (MHD) |
|
keyboard_arrow_down |
Typically only available to schemes with >50 members. No personal medical exclusions for any pre-existing conditions. |
Variable | Description | Premium Variance |
---|---|---|
NHS cash benefit | A cash payment is made to the member. |
|
Variable | Premium Variance | |
---|---|---|
NHS cash benefit |
|
keyboard_arrow_down |
A cash payment is made to the member. |