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Our team of Personal Advisers is available on +44 (0) 1892 556 276
10
Who we pay for treatment
Your policy can provide benefit for eligible treatment provided by medical practitioners.
This policy also provides benefit for eligible treatment provided by complementary practitioners
and physiotherapists.
What services provided by medical practitioners, physiotherapists and
complementary practitioners are eligible for benefit?
Medical practitioners’ fees for treatment in hospital and surgical procedures are eligible for
benefit, subject to any limits of this policy. We do not pay charges for administration costs or
written reports.
Medical practitioners’ fees for consultations, out-patient diagnostic tests, and vaccinations 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.
Will treatment charges be met in full?
We recommend that you call us prior to receiving any treatment so we can confirm that we will
pay the medical practitioner’s, physiotherapist’s or complementary practitioner’s fees in full. If
you do not call us prior to treatment we will pay up to the usual amount charged by medical
practitioners, physiotherapists or complementary practitioners for that treatment.
10.1
We pay for eligible:
(a)
Treatment charges outside the UK up to the usual amount charged by medical
practitioners, physiotherapists or complementary practitioners for that treatment.
10.2
What we do not pay for:
(a)
Charges made by a medical practitioner or complementary practitioner when you have
been referred by a member of your family, or if that medical practitioner, or
complementary practitioner is a member of your family.
(b)
Treatment charges outside of the UK in excess of the usual amount charged by
medical practitioners, physiotherapists or complementary practitioners for that
treatment.
(c)
Charges for general chiropody or foot care even if this is carried out by a surgical
podiatrist.
(d)
Any charges made for written reports or any other administrative costs.
Please see also the ‘Treatment in the United Kingdom’ section for specific requirements that
apply to receiving treatment in the UK.