With the NHS becoming increasingly overstretched, if you fell ill you might not get the speedy surgery you'd hoped for. And if your medical condition is non-life threatening, it's not considered a priority, so you could be in for a long, uncomfortable wait.

This is where Module 2 of our Private Health Care plan comes in. If you have a condition that's curable by surgery, we'll do everything we can to treat it fast, privately, without the expense or the wait. There are no limits or excesses on any of your treatment, so you won't be presented with any unexpected bills when you leave hospital.

If you need to stay overnight in hospital, you will typically get your own private hospital room with an en-suite bathroom, a phone and television, to make your stay as comfortable as possible.

Looking after you and your Family
If your child under the age of 16 is ill and requires in-patient treatment, you can be with them when they need you most. We simply arrange for one parent to stay overnight*, at no extra cost.
*Subject to medical approval and hospital facilities.

What treatment is covered in the policy?

• Women's Health e.g. ovarian cysts, fibroids, prolapse of the womb, heavy periods, benign breast lumps, breast abscess
• Men's health e.g. prostate enlargement, benign testicular lumps & cysts
• Urinary system e.g. kidney stones, incontinence
• General surgery e.g. hernia, piles, gallstones, removal of moles & cysts, varicose veins
• Spine e.g. slipped disc, torn ligaments
• Hands and arms e.g. carpal tunnel syndrome, tennis elbow
• Bones and joints e.g. hip & knee replacements, bunions, knee ligament injuries, ingrowing toenail
• Face and neck e.g. cataracts, squints, nasal polyps, glue ear, wisdom teeth, removal of tonsils, removal of adenoids

What treatment is not covered in the policy?

• Medical Conditions that cannot be treated by surgery
• Conditions that were present before taking out the plan, for a period of 2 years (i.e. Pre-existing conditions*)
• Chronic conditions (i.e. illnesses that are permanent, recurring or have no known cure)Surgery for maintenance purposes only
• Surgery that requires routine critical care 
• Surgery to revise orthopaedic prostheses