Exclusive Plan

Benefits tables

The tables below give a summary of the benefits available on the Core cover, and the Options which you can choose. Please refer to the following pages for further details on the benefits shown.

A mandatory excess of £100 per person per year applies to Right to Health Choices.

Core cover
Benefits	Cover	Notes
In-patient and day-patient treatment
Hospital charges*
Consultant/Specialist fees**
Radiotherapy/chemotherapy
Diagnostic tests
Out-patient treatment
Surgical procedures
Radiotherapy/chemotherapy
CT, MRI and PET scans*
Additional benefits
Hospital-at-home		To cover the cost of a nurse to administer intravenous chemotherapy or intravenous antibiotics at home.
Private ambulance
Parent accommodation		When staying with a child covered by the policy. For one parent only, child must be under 11.
NHS cash benefit		£50 a night, up to £2,000 a year.

Option 1 - £1,000 out-patient cover
Benefits	Cover	Notes
Consultations with a consultant/specialist**		These benefits have a combined annual limit of £1,000 for each person covered on the policy.
Diagnostic tests
Clinical practitioner charges**

Option 2 - Full out-patient cover
Benefits	Cover	Notes
Consultations with a consultant/specialist**		These benefits have no annual maximum limit.
Diagnostic tests
Clinical practitioner charges**

Option 4 – Therapy Treatment
Benefits	Cover	Notes
Complementary practitioner charges** (acupuncture, osteopathy, homeopathy and chiropractic treatment)		These benefits have a combined annual limit of £1,000 per year for each person.
Physiotherapist charges**

* As long as the hospital, day-patient unit or scanning centre you choose for treatment is included in our Directory of Hospitals, we’ll pay your eligible treatment charges in full.

** We will pay most fees in full, but we only pay charges up to the average level if the person treating has in the past charged fees outside the range that is usual for treatment they provide.

Option 4 – Travel Cover
Medical benefits	Descriptions	Cover
Medical and additional expenses1		£5,000,000
Personal accident2	For loss of limbs, sight or death caused solely by an external accident	£30,000
Repatriation of mortal remains to the UK2	For local burial and cremation	£2,000
Emergency repatriation or evacuation	Plus emergency return of partner and children if applicable	Covered
Travel benefits
Delayed departure2	For every 12 hours Maximum benefit for delayed departure	£50 £200
Cancellation or loss of deposit	Arising due to illness, bereavement, injury, jury service or quarantine	£5,000
Missed outward departure	Additional costs to reach destination if due to bad weather, strike or mechanical breakdown	£1,000
Curtailment	Due to illness, injury or death	£5,000
Personal possessions
Loss or damage to baggage/personal effects	Single item limit Maximum payable	£350 £1,500
Personal money / travellers cheque	If lost or stolen. Cash limit Maximum payable	£250 £500
Passport replacement	Assist with recovery or replacement costs	£250
Personal risks
Personal liability2	Indemnity against legal liability to the public for accidental injury or damage to persons/property	£2,000,000
Legal expenses2	Costs to pursue legal actions as a result of illness,injury or death, if advised within 90 days	£25,000

1. This benefit is subject to a £50 excess unless costs are reduced by use of a European Health Insurance card or equivalent.

2. All benefits are subject to a £50 excess per claim per person covered except those marked as '2'.

IMPORTANT NOTE:
The above benefits tables are only intended to provide you with a summary of the benefits offered by Right to Health Choices.

They are designed to help you decide upon the most appropriate type of private medical insurance for your individual needs and circumstances.

Further details are set out in the supporting product literature which we strongly advise you to read carefully and thoroughly, when received.

Also, if you have not already done so, you are advised to read the Association of British Insurers consumer guide ‘Are You Buying Private Medical Insurance?’ to help you obtain a general view of PMI.