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Who we pay for treatment
Your policy can provide benefit for eligible treatment provided by medical practitioners,
physiotherapists and complementary practitioners.
What services provided by medical practitioners, physiotherapists and
complementary practitioners are eligible for benefit?
Medical practitioner’s fees for consultations, diagnostic tests, vaccinations, treatment in hospital
and surgical procedures are eligible for benefit, subject to any limits of this policy.
Complementary practitioners’ and physiotherapists’ charges for treatment are covered, subject
to any limits of this policy. We do not pay charges for administration costs or written reports.
Will treatment charges be met in full?
If you receive treatment outside of the UK
We will pay up to the usual amount charged by medical practitioners, physiotherapists or
complementary practitioners for that treatment.
If you receive treatment in the UK
We publish a document called the ‘schedule of procedures and fees’ which sets out what we will
pay medical practitioners, physiotherapists and complementary practitioners in the UK, for the
services they provide to our customers. We will pay eligible fees in full when a medical
practitioner, physiotherapist or complementary practitioner charges up to the level shown within
the schedule of procedures and fees. This is available on our website:
or by contacting our Personal Advisory Team.
We strongly advise that you call us before you receive treatment, to confirm whether we will pay
the treatment charges in full for the person you are planning to see. If we will not pay the fee in
full we will tell you how much we will pay towards the cost of your treatment.
What if an anaesthetist becomes involved in my treatment in the UK?
Before receiving surgical treatment in the UK it is advisable to establish which anaesthetist your
medical practitioner intends to use. This will mean we can tell you if that anaesthetist is one who
we pay in full or, if this is not the case, what fee we will pay (as set out in the schedule of
procedures and fees). However, if you don’t know when you call us which anaesthetist your
medical practitioner intends to use we will make every effort to notify you whether they commonly
work with an anaesthetist who we do not pay in full.
