Universities & Colleges Personal Healthcare Scheme - Working with to offer employees of niversities Colleges access to private healthcare cover
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Universities & Colleges
Personal Healthcare Scheme
Working with
to offer employees
of niversities
Colleges access to
private healthcare cover
Private medical insurance for you and your family The University & Colleges Personal Healthcare Scheme offers university and college employees access to private medical insurance to help ensure you and your family have access to the eligible treatment you need – when you need it. The scheme is managed by JLT Benefit Solutions Limited, part of the Jardine Lloyd Thompson Group, and is underwritten by us, at AXA PPP healthcare. We are one of the UK’s most experienced private medical insurance providers and have been providing access to private healthcare cover for over 70 years. We currently have over two million members that put their trust in us when it comes to their healthcare cover. Call our Personal Advisers on 0800 0321 950 quoting reference 96369 Lines are open 8am-8pm weekdays and 9am-1pm Saturdays. Calls may be recorded and/or monitored for training, quality assurance and evidential purposes.
What are the benefits of private
medical insurance?
Nothing is quite as important as looking after our
health, and knowing that we can get the care we need, Joining is simple
when we need it. Available exclusively to university and college
Private medical insurance provides you with prompt employees, this scheme offers you healthcare cover
access to eligible medical treatment when you need it. that is simple to join:
It gives you choices too. You can usually decide where No medical examination is required.
Open to all employees, their partners and
you want to be treated, from a national network of over
250 quality-assessed hospitals, including day-patient
dependants (up to 25 years old if in full time
units and scanning centres. More importantly, you can
education).
choose a time that is convenient for you. All you need
to do is decide what level of cover you want and Automatic acceptance onto the scheme if you join
choose from the products in our range to suit your within six weeks of joining your current employer.
A range of underwriting methods are available (see
needs and your budget.
With private medical insurance from AXA PPP healthcare page 6 for more information).
you can rest assured that you’ll receive:
Prompt access to eligible diagnostic tests to find out
what the problem is.
The eligible treatment you need – when you need it.
Comfortable facilities, usually in private rooms with
en-suite and TV.
Access to Health at Hand, our 24 hour confidential
health information line.
Cover for cancer treatment.
Dedicated Nurse telephone helpline for members
who have been diagnosed with cancer
Parent accommodation if your child is under 14 and
covered under the policy
Cash benefit if you stay overnight in a NHS hospital
receiving free eligible treatment. The Universities & Colleges
Personal Healthcare Scheme is
The scheme is open to all employees, their partners and
explained in detail in this
dependents (up to 25 years if in full time education).
brochure. If you have any
questions, please feel free to
contact our team of expert
advisers on:
0800 0321 950
Lines are open 8am-8pm weekdays and
9am-1pm Saturdays. Calls may be recorded
and/or monitored for training, quality
assurance and evidential purposes.
Call 0800 0321 950 quoting reference 96369
We may record and/or monitor calls for training, quality assurance and evidential purposes. 2
Our range of plans
We provide a
range of plans to
suit your needs:
Assure
Key
Ideal
Premier Help when you’re abroad
Immediate emergency in-patient
In-patient and day-patient treatment treatment abroad
explained The plan you choose with the Universities &
In-patient treatment is treatment for a patient who is Colleges Personal Healthcare Scheme will
admitted to hospital and who occupies a bed overnight provide you with limited medical cover when
or longer, for medical reasons. We normally settle all you’re travelling abroad. You’ll have up to
eligible bills for this type of care directly with the £40,000 of cover for emergency in-patient
hospital or specialist, so you will not be out of pocket. hospital treatment in an overseas hospital.
As an in-patient, you are covered for all your essentials Please note, this cover is only available
during your hospital stay: accommodation, meals, when it immediately precedes or follows
nursing care, drugs and dressings. You will usually have an emergency evacuation or repatriation
your own private room, with an en-suite bathroom, we have arranged for you and providing
television and telephone. We will also pay your you haven’t travelled abroad against
specialists’ fees in full, up to the level published in our medical advice, or gone abroad specifically
schedule of procedures and fees. for treatment.
Day-patient treatment is treatment for a patient who is Under normal circumstances there is no cover on
admitted to a hospital or day-patient unit because they the policy for medical treatment received outside
need a period of medically supervised recovery but the United Kingdom and therefore this cover
does not occupy a bed overnight. should not be relied on in place of adequate
travel insurance which we strongly recommend
Out-patient treatment explained you take out whenever you travel abroad.
All our plans include cover for out-patient surgical Visit www.jlttravelinsurance.co.uk for details
procedures, radiotherapy, chemotherapy, magnetic of such an arrangement.
resonance imaging (MRI), computerised tomography
(CT) and positron emission tomography (PET) scans. Evacuation or repatriation service
All of our plans excluding Assure also cover specialist If you can’t get suitable or adequate emergency
referred out-patient consultations, diagnostic tests and in-patient treatment, we’ll arrange for you to be
treatment by a clinical practitioner, including transported to the nearest suitable medical
physiotherapy. facility – or even bring you home for treatment,
Complementary therapies – acupuncture, homeopathy, if necessary. If a member is under 18, or
osteopathy and chiropractic treatments by recognised where it is appropriate for the condition
complementary practitioners – are also covered on all involved, we will arrange and pay for
of our plans excluding Assure when you are referred by someone to accompany them.
your GP or specialist (subject to the annual limits on
each plan).
Call 0800 0321 950 quoting reference 96369
3 We may record and/or monitor calls for training, quality assurance and evidential purposes.
A summary of the cover available
Benefits Assure Key Ideal Premier
In-patient and day-patient treatment
Hospital charges for treatment in a hospital listed in the
✔ ✔ ✔ ✔
Directory of Hospitals.
Hospital charges for treatment in a hospital not listed in
✘ ✘ ✘ ✘
the Directory of Hospitals.
Consultant/specialist fees. ✔ ✔ ✔ ✔
Diagnostic tests. ✔ ✔ ✔ ✔
Radiotherapy/chemotherapy. ✔ ✔ ✔ ✔
Psychiatric treatment. ✘ ✘ ✔ ✔
Out-patient treatment
Surgical procedures. ✔ ✔ ✔ ✔
Radiotherapy/chemotherapy. ✔ ✔ ✔ ✔
Computerised tomography (CT), magnetic resonance
✔ ✔ ✔ ✔
imaging (MRI) and positron emission tomography (PET).
The 4 benefits The 4 benefits
The 4 benefits
detailed below detailed below
detailed below
have a combined have a combined
have no
limit of £400 limit of £900
annual limit
per year per year
Consultations with a consultant/specialist. ✘ ✔ ✔ ✔
Diagnostic tests. ✘ ✔ ✔ ✔
Within the above Within the above Within the above
limit up to a limit up to a limit up to a
combined combined combined
Physiotherapy and complementary practitioners’ charges. ✘ maximum of maximum of maximum of
10 GP referred 10 GP referred 10 GP referred
sessions per year. sessions per year. sessions per year.
Psychiatric treatment. ✘ ✘ ✔ ✔
Additional benefits
NHS cash benefit of £50 per night up to £2,000 a year. ✔ ✔ ✔ ✔
Day-patient and out-patient NHS radiotherapy and
chemotherapy cash benefit of £50 a day up to ✔ ✔ ✔ ✔
£2,000 a year.
Parent accommodation for one parent to stay with
✔ ✔ ✔ ✔
a child under 14 covered by the policy.
Private ambulance. ✔ ✔ ✔ ✔
Hospital-at-home – the cost of a nurse to administer
intravenous chemotherapy for the treatment of cancer ✔ ✔ ✔ ✔
or intravenous antibiotics at home.
When you join, all claims will be assessed against the terms and conditions of your chosen plan, and any exclusions
placed on your policy when joining. Private medical insurance is designed to cover the costs of medical treatment of –
what are known as – acute conditions (a disease, illness or injury that is likely to respond to treatment in the near
future). Please see page 11 for more information.
Call 0800 0321 950 quoting reference 96369
We may record and/or monitor calls for training, quality assurance and evidential purposes. 4
What are the main exclusions and
limitations?
As with industry standards, general exclusions apply.
The following is a summary of the main exclusions and Other important
limitations of the policy.
Treatment of medical conditions that existed, or you information
had symptoms of, before joining (unless joining on
medical history disregarded underwriting terms). How long will my cover last?
Ongoing, recurrent or long-term treatment of Your policy will be arranged for 12 months from the
long-term illnesses (usually referred to as chronic effective date on your membership statement.
conditions).
What do I do if I want to make a claim?
General dental procedures. If you need to make a claim simply call our team of
Routine pregnancy and childbirth. Personal Advisers on 0800 454 080.
If you choose either the Assure or Key plans; Full details of how to make a claim are included in
psychiatric treatment. the membership handbook which you will receive
Treatment of injuries sustained from engaging in or
when you join.
training for any sport for which you receive a salary What do I do if I want to make a
or monetary reimbursement, including grants or
complaint?
sponsorship (unless you receive travel costs only).
In-patient or day-patient treatment or MRI, CT or
We aim to provide you with the highest possible
standards of service but accept there may be occasions
PET scans, oral surgical procedures or cataract when you feel that things have gone wrong for you and
surgical procedures not received in a hospital or you are unhappy with us. If you have a complaint about
scanning centre listed in the Directory of Hospitals. any matter please contact us and we will do our best to
We will pay eligible fees in full when a specialist, address your concerns. Your feedback is vital to helping
complementary practitioner or clinical practitioner us improve. Further details on how to complain can be
charges up to the level within our published found in the ‘Complaint and regulatory information’
schedule of procedures and fees. section of your membership handbook which you will
Emergency and urgent treatment
receive when you join. If you are dissatisfied with the
outcome of our investigation, you can ask the Financial
Please remember, this is only a summary and full Ombudsman Service to consider your complaint.
details of cover including terms and conditions will be
contained in your membership handbook when you If you have a claim against
join, or can be obtained from us. AXA PPP healthcare
In the unlikely event that AXA PPP healthcare becomes
insolvent and is unable to pay the benefits under your
policy, you are protected by the Financial Services
Compensation Scheme (the FSCS). Further information
about the operation of the scheme is available on the
FSCS website: www.fscs.org.uk.
What if I change my mind?
You have a 14 day cancellation period. During this
period you have the right to cancel your policy and have
your premium returned in line with the terms for
cancellation at renewal, as detailed in the ‘Complaint
and regulatory information’ section of your membership
handbook which you will receive when you join. The
cancellation period begins on the day your contract is
agreed or the day you received your full policy terms and
conditions if this is later and will also apply from each
renewal date.
Call 0800 0321 950 quoting reference 96369
5 We may record and/or monitor calls for training, quality assurance and evidential purposes.
What am I covered for?
You can join us on any of the policies available to you on the Universities & Colleges Personal Healthcare Scheme on a
moratorium or a fully underwritten basis. If you choose either the Premier or Key plan, you may join on a medical
history disregarded (MHD) basis. Details of these different underwriting terms are provided below.
Moratorium underwriting the last five years, and in some cases certain related
A moratorium is a set period of time during which you conditions, will be excluded from cover for the first two
will not be covered for treatment for any medical years. However, as long as you are completely free of
conditions that you had suffered from before you took any form of treatment or advice for that condition for a
out the policy. There’s no need to have a medical consecutive two year period once you join, we will look
examination or provide information about your medical at covering it for you in the future. You will be provided
history when you join. Medical conditions you’ve had in with more information about this when you join.
Example
Joined
AXA PPP healthcare
in March 2009 Now covered from
Back No cover for March 2011 for this
operation in back condition pre-existing condition
April 2008 for a two year period as two continuous years
have passed trouble
free of the condition
2009 2010 2011
If you have been diagnosed with diabetes, are currently undergoing treatment for raised blood pressure or are
currently under investigation, having treatment or undergoing monitoring as a result of a prostate specific antigen
(PSA) test, we will exclude the following:
If you: You will not be covered for treatment of:
• diabetes • ischaemic heart disease • cataract
Have been diagnosed with diabetes • diabetic retinopathy • diabetic renal disease
• arterial disease • stroke
Are currently undergoing treatment for raised • hypertension • ischaemic heart disease • stroke
blood pressure (hypertension) • hypertensive renal failure
Are under investigation, having treatment or undergoing
monitoring as a result of a prostate specific antigen • any disorder of the prostate
(PSA) test.
Please note If you are over 74 years of age, Moratorium underwriting is not available to you and you will be required
to declare your full medical history. For further information, please refer to the range of underwriting options explained
in the ABI guide enclosed in your pack.
Fully underwritten Medical history disregarded
We ask for you to declare your medical history on your If you choose either the Premier or Key plans, you may
application form. This means that we will tell you which be able to join on a medical history disregarded basis,
conditions will be excluded from your cover. provided your application is received within six weeks of
joining your current employer, and providing you can
confirm that neither yourself or anyone else covered on
the policy, has any on-going claims or treatment
planned or pending within three months of the start
date of the policy.
Call 0800 0321 950 quoting reference 96369
We may record and/or monitor calls for training, quality assurance and evidential purposes. 6
How can I reduce my premiums?
The 6 Week Option
If you are comfortable using the NHS but
worry about potentially long waiting times,
then the 6 week option could be for you. If
treatment is available on the NHS within six
weeks from the date it should take place, then
you will use the NHS. However, if the wait for
treatment is more than six weeks from when it
should take place, then you can go private straight
away.
Excess options
Assure, Key, Ideal and Premier come with a £100
excess as standard. This means you will pay the first
£100 of eligible claims – once per policy year – for
each person covered. To reduce your premium even
further, you can add an excess of £200 or £500.
Call 0800 0321 950 quoting reference 96369
7 We may record and/or monitor calls for training, quality assurance and evidential purposes.
Care and convenience – hand in hand
Health at Hand information helpline with one-to-one support whenever you need information
about your condition, treatment options available to you
Health at Hand is a 24-hour telephone health
or if you simply need emotional support. Your family can
information service for our members. It provides
also benefit from the helpline if they have concerns or
you with immediate access to a qualified team of
need guidance about your care.
healthcare professionals when you need it most.
The team includes trained nurses, pharmacists,
counsellors and midwives. They can give you Our team of Personal Advisers
information on specific illnesses, treatments and The AXA PPP healthcare ‘personal touch’ begins from
medications and provide details of local and national the moment you join. Our Personal Advisers are on
organisations that can help you. They can also arrange hand to help you:-
to send you free fact sheets and leaflets on a wide To discuss the benefits and limitations of your policy.
To change your personal details.
range of medical issues, conditions and treatments,
To give you guidance when arranging treatment.
and will happily phone you back to discuss any further
questions you may have.
To help you fill out a claim form.
You can also email Health at Hand To confirm a claims payment.
via our website
www.axappphealthcare.co.uk
Dedicated Nurse telephone helpline
for cancer patients
Dealing with cancer treatment can be difficult and so
our aim is to provide you with as much support as
possible. If you are diagnosed with cancer, we will offer
you immediate access to our Dedicated Nurse
telephone helpline. A trained nurse will provide you
be healthy
If you’re looking for one central place for health
information to help keep your body in tip top condition
– you need look no further than be healthy. This
valuable online resource offers a wealth of useful
health tips, articles and tools including fitness
programs that you can build to your personal
requirements; with videos to help you fully
understand the exercises and routines. We have a
delicious recipe index for you to browse and
there’s a section to help keep your mind healthy
too with games and memory tips.
Call 0800 0321 950 quoting reference 96369
We may record and/or monitor calls for training, quality assurance and evidential purposes. 8
Why choose AXA PPP healthcare?
More benefits of being an AXA PPP healthcare member
From health and fitness to books and magazines, you can make great savings with our member offers.*
These include:-
10% discount off health and wellbeing assessments
Substantial eyecare discounts for you and your family
10% off Denby products
10% off fair-trade and organic hampers
18% discount on bikes and accessories
Amazing value breaks around England
and many more...
You’ll also receive our free be magazine
The magazine is packed with health features, case studies from
AXA PPP healthcare members, and a whole range of member offers
and competitions.
*Correct at the time of going to print.
Call 0800 0321 950 quoting reference 96369
9 We may record and/or monitor calls for training, quality assurance and evidential purposes.Choose from over 250 quality assessed hospitals We have a national network of over 250 hospitals, selected for their quality, value and range of services. You can be assured of receiving prompt treatment in comfortable facilities usually in a private room with television, telephone and en-suite bathroom. Call 0800 0321 950 quoting reference 96369 We may record and/or monitor calls for training, quality assurance and evidential purposes. 10
Chronic conditions
In common with other annual insurance policies, What does this mean in practice?
medical insurance is designed to cover eligible claims For pre-authorised claims, we will tell you if we think your
for expenses incurred as a result of unexpected events. condition is now a chronic condition under our rules.
Therefore, it is important to understand when buying
We may then (with your permission) contact your
medical insurance that policies are designed to cover
specialist or GP who knows your particular
treatment of medical conditions that respond quickly
circumstances. We may ask them for confirmation
to treatment, referred to by us as ‘acute conditions’.
of the diagnosis of your condition and details of the
Medical insurance is not intended to cover you
treatment you are currently receiving and to give us
against the cost of recurrent, continuing or long-term
a future prognosis for the condition.
treatment of chronic medical conditions since these
treatments become a series of predictable, rather than In line with other medical insurance policies, our plans
unexpected, events. are designed to cover claims for expenses incurred as
a result of unexpected events and we stop paying for
This section is designed to help you understand more recurring or continuing treatment of medical conditions
about what we mean by a chronic condition and that will continue indefinitely or that keep recurring.
provide practical examples of when we will or will not Should the information we have indicate that you have
cover treatment of those conditions. a chronic condition we will write to tell you we will stop
paying benefit for the continuing or recurrent treatment
What is a chronic condition? of the chronic condition.
A chronic condition is a disease, illness or injury that
has one or more of the following characteristics: What if your condition gets worse?
it needs ongoing or long-term monitoring through We will pay for the treatment of acute exacerbations or
consultations, examinations, check-ups, and/or tests complications (flare-ups) in order to bring the condition
quickly back to its controlled state (for instance in-patient
it needs ongoing or long-term control or relief of treatment needed to re-stabilise a chronic condition such
symptoms as diabetes). There are certain other chronic conditions
it requires your rehabilitation or for you to be
such as Crohn’s disease which because of their nature,
require management of recurrent episodes during which
specially trained to cope with it
the symptoms of the condition worsen. Because of the
it continues indefinitely ongoing or continuing nature of such conditions, we will
it has no known cure
write to tell you when there is no further benefit available
for the treatment of that medical condition.
it comes back or is likely to come back.
Examples of chronic conditions
At AXA PPP healthcare we cover the cost of treatment The following are examples of chronic conditions and
for acute conditions. That is, treatment which aims to how we usually deal with them. In all of the following
return you to the state of health you were in before examples we may need to write to you or your doctor
suffering the condition, or which leads to your full to obtain further information, as explained above.
recovery. This includes short-term medical intervention Important note – certain plans have specific
to treat unexpected complications or exacerbations of restrictions to benefits such as out-patient treatment,
a chronic condition. for treatment that could have been received on the
If your illness or medical condition requires recurring NHS within six weeks and other specific exclusions
consultations over a long period, checks on your covered in the customer’s policy terms. The cover for
medication, long term therapy or treatment to ease cancer also varies by product with some products
symptoms, your condition may fall within the definition having higher levels of cover than those described in
of a chronic condition. If you have been receiving this document while others have lower or no cover for
ongoing or continuing treatment or treatment that is cancer. The examples overleaf are designed to show
intended to manage your condition or keep your our general policy on chronic conditions and how we
symptoms in check, we will review your treatment to would deal with them for a customer on a
assess whether it remains eligible for benefit. comprehensive policy. Please read your handbook
carefully to establish what cover you have as all the
other terms of your policy (including any limits) will
continue to apply to your cover.
Call 0800 0321 950 quoting reference 96369
11 We may record and/or monitor calls for training, quality assurance and evidential purposes.Example 1 – Angina and heart disease We would agree to cover the cost of hospital treatment
Alan has been with AXA PPP healthcare for many years. until her condition has been stabilised. We would also
He develops chest pain and is referred by his GP to a pay for one further consultation following discharge
specialist. He has a number of investigations and is from hospital.
diagnosed as suffering from angina. Alan is placed on
medication to control his symptoms. Example 3 – Diabetes
Deidre has been with AXA PPP healthcare for two years
We would pay for the initial consultation and tests to
when she develops symptoms that indicate that she
diagnose the condition and further consultations with
may have diabetes. Her GP refers her to an
the specialist to allow the medication to bring the
endocrinology specialist who organises a series of
condition under control. At this point we would advise
investigations to confirm the diagnosis and she then
Alan that further regular review consultations to monitor
starts on oral medication to control the diabetes. After
the condition would not be covered, but we would allow
several months of regular consultations and some
one further consultation to allow Alan to discuss
adjustments to the medication regime the condition is
alternative arrangements should he wish to do so.
now well controlled and the specialist explains he would
Two years later, Alan’s chest pain recurs more severely like to see her every four months to review the condition.
and his specialist recommends that he has a heart
We would explain that we cannot continue to provide
by-pass operation. We would confirm to Alan that we
benefit for the review consultations but, would agree
will cover that operation as it will stabilise his condition
to provide benefit for one more to allow Deidre the
and substantially relieve his acute symptoms. We would
opportunity to discuss alternative arrangements for
then explain to Alan that although his policy would not
follow up.
normally cover regular check-ups, in this particular
circumstance we would allow for a further ten years of One year later Deidre’s diabetes becomes unstable and
annual postoperative check-ups with the specialist to her GP arranges for her to go into hospital for in-patient
ensure that his condition remains stabilised. This treatment.
benefit would only be available on policies with
We would provide benefit for this admission and for a
out-patient cover and while the policy remains in force.
short period after her discharge.
Example 2 – Asthma Example 4 – Hip pain
Eve has been with AXA PPP healthcare for five years
Bob has been with AXA PPP healthcare for three years
when she develops breathing difficulties. Her GP refers
when he develops hip pain. His GP refers him to an
her to a specialist who arranges for a number of tests.
osteopath who treats him every other day for two
These reveal that Eve has asthma. Her specialist puts
weeks and then recommends that he return once a
her on medication and recommends a follow-up
month for additional treatment to prevent a recurrence
consultation in three months, to see if her condition
of his original symptoms.
has improved. At that consultation Eve states that her
breathing has been much better, so the specialist We would explain that the monthly visits are not
suggests she have check-ups every four months. covered by Bob’s policy but that, if he should have
further problems or if his condition should worsen to the
We would agree to cover Eve’s initial tests and
point where a hip replacement is needed, this would be
consultation to establish the diagnosis and also the
covered if his GP refers him to a suitable specialist.
subsequent consultation to see if there was an
improvement. However, we would then advise Eve that
If you would like to discuss any of this with
regular check-ups are outside the scope of her cover.
us, please call us on the number below.
Eighteen months later, Eve has a bad asthma attack.
Call 0800 0321 950 quoting reference 96369
We may record and/or monitor calls for training, quality assurance and evidential purposes. 12Frequently asked questions
Frequently asked questions
The following are questions that are frequently asked about our healthcare plans. If you
would like any more information please call us on 0800 389 7911.
There are lots of medical insurers in the market; why should I choose
AXA PPP healthcare?
We are one of the largest UK medical insurers with 70 years’ experience. We want our members to feel confident
and secure when they take out our healthcare policies, so customer satisfaction is at the core of everything we
do. We are proud to have been awarded ‘Best Private Medical Insurance Provider’ by Your Money readers in 2010.
How often can I claim?
There is no limit to the number of times you can claim for new conditions that arise after you join, as long as it is
within your policy limits, and you can start claiming from when you join.
Are my dental costs covered under the plan?
Generally no, as this treatment is not a medical condition. However, a small number of oral procedures are
covered, so please ask our Personal Advisers for more information.
What happens if I have to spend a night in an NHS hospital?
For each night you spend in an NHS hospital receiving free treatment that would have been eligible under your policy,
you will receive a cash benefit of £50, up to a maximum of £2,000 per year.
Do I have to pay for treatment and then claim the money back?
No, as we normally receive invoices directly from the specialists or hospitals and will settle them directly within
policy limits.
How can I be sure that I’m covered before I go ahead with treatment?
That’s simple. Just ring our team of Personal Advisers with the details of your proposed treatment and specialist.
They will confirm if your treatment is eligible, so you may go ahead with the peace of mind that you are fully covered.
What happens if I have hospital treatment without checking with
a Personal Adviser first that it is covered?
We would strongly recommend that you obtain authorisation for your proposed treatment before it is undertaken
so you can be sure that it is covered. However, if you don’t pre-authorise treatment with us we will pay for the
claim provided it is eligible under the terms of your policy.
What is the 6 week rule and why should I add it to my policy?
It’s a good way to reduce your premium. If you are comfortable using the NHS but worry about the long waiting
times, then the 6 week option could be for you. If the eligible treatment you need is available on the NHS within
six weeks of the date the treatment should take place, then you will be treated under the NHS. However, if the
wait for treatment is more than six weeks then you can go private straight away.
Can you help if I need medical information?
When you join, you will have access to Health at Hand, our 24 hour telephone based medical information service.
We have a wide range of medical professionals on hand to give you information about medicines, pain relief,
pregnancy, cancer, stress, menopause, and much more.
Call 0800 0321 950 quoting reference 96369
13 We may record and/or monitor calls for training, quality assurance and evidential purposes.We want to make it easy
to understand your policy
Glossary: Medicine seems to have a language all of its own. Here are
some terms that we use in this brochure and in your policy with which you
may not be familiar.
Clinical practitioner Medical underwriting
A dietician, nurse, orthoptist, physiotherapist, The process by which we assess your application and
psychologist, psychotherapist or speech therapist who decide on what terms we may offer to cover you.
we recognise for benefit purposes.
Member
CT scans You and any family member covered by your policy.
Computerised tomography scans. A form of X-ray
MRI scans
examination. It is particularly useful for making
Magnetic resonance imaging scans. A way of medically
diagnoses in the head, chest and abdomen.
mapping the body's tissues. It helps with non-invasive
Complementary practitioner diagnosis and treatment planning of a wide range of
A practitioner in acupuncture, homeopathy, osteopathy diseases, including cancer. It doesn't use potentially
and chiropractic treatment who we recognise for harmful ionising radiation such as X-rays.
benefit purposes.
Out-patient
Day-patient A patient who attends a hospital, consulting room, or
A patient who is admitted to a hospital or day-patient out-patient clinic and is not admitted as a day-patient
unit because they need a period of medically supervised or an in-patient.
recovery but does not occupy a bed overnight.
PET scan
Diagnostic tests Positron emission tomography scan. A way of
Investigations, such as x-rays or blood tests, to find or diagnosing and monitoring many serious medical
to help to find the cause of your symptoms. conditions, including heart problems and cancer. A very
small radioactive injection is given to the patient and a
Directory of Hospitals
PET camera is used to measure radioactivity in various
A document we publish which lists private hospitals,
parts of the body.
day-patient units and scanning centres in the UK that
we cover. Physiotherapy
Physical treatment such as massage or exercises.
Excess
Choosing an excess on your policy may help to reduce Pre-existing conditions
your premiums. An excess is the amount of money that A medical condition, and conditions relating to it, which
you have to pay towards the cost of treatment each existed before your cover with us started.
year and applies to each person covered by the policy
Radiotherapy and chemotherapy
in each year.
Treatments for cancer.
Family member
Specialist
The policyholder’s current spouse or civil partner or any
A senior and experienced medical practitioner who has
person (whether or not the same sex) living permanently
attained the status of an NHS consultant or equivalent.
in a similar relationship with the policyholder and any of
their or the policyholder’s unmarried children. Surgical procedure
An operation or other invasive procedure.
In-patient
A patient who is admitted to hospital and who occupies Treatment
a bed overnight or longer, for medical reasons. Surgical or medical services (including diagnostic tests)
that are needed to diagnose, relieve or cure a disease,
Medical condition
illness or injury.
Any disease, illness or injury, including psychiatric illness.
Call 0800 0321 950 quoting reference 96369
We may record and/or monitor calls for training, quality assurance and evidential purposes. 14JLT Benefit Solutions Limited.
Authorised and regulated by the Financial Services Authority.
A member of the Jardine Lloyd Thompson Group.
Registered Office: 6 Crutched Friars, London EC3N 2PH.
Registered in England No 02240496. VAT No. 244 2321 96
For more information on our private medical
insurance, call us at AXA PPP healthcare on:
0800 0321 950
quoting reference 96369
www.axappphealthcare.co.uk/jlt
PB40248/04.11
ISO14001
AXA PPP healthcare, Phillips House, Crescent Road, Tunbridge Wells, Kent TN1 2PL.
AXA PPP healthcare limited. Registered Office: 5 Old Broad Street, London EC2N 1AD,
United Kingdom. Registered in England No. 3148119.
Authorised and regulated by the Financial Services Authority. © AXA PPP healthcare 2011.
Calls may be monitored and/or recorded for training, quality assurance and evidential purposes. .You can also read
