CHOOSE THE RIGHT COVER FOR YOUR STAFF
OR A PERSONAL OR FAMILY PLAN

Budget
Usually provides inpatient and day patient treatment only, for procedures where a bed is provided for the day or an overnight stay. Therefore diagnostic tests, Consultant's fees and outpatient treatments will not be covered. Best suited for those who wish to pay their own outpatient tests and consultants fees in order to reduce the cost of the scheme but limiting their liability for the more expensive in patient treatments. Some providers will include diagnostic tests and consultants fees if linked to inpatient or day patient hospital treatment. Inpatient radiotherapy and chemotherapy is covered by most insurers on budget polices. Inpatient treatment is covered in full.

Standard
Offers full inpatient and day patient treatment and a selection of outpatients. Specialist consultations and diagnostic procedures including pathology, radiology CT, MRI Scans and radio and chemotherapy with limits of between £500 - £2000 depending on the insurer. Benefit may be offered for some therapies such as Osteopathy, Chiropractic, Physiotherapy, Homeopathy and Acupuncture and perhaps some Psychiatric cover.

Comprehensive
Comprehensive includes full inpatient and outpatient cover, diagnostics and pathology MRI and CT scans, radio and chemotherapy. Some providers offer full refund for psychiatric cover and stress counselling, with optional extras including world-wide travel, dental plans, home nursing costs, recuperative care.

Premier
Offers exceptional cover including private GP consultations, cover for prescription charges, optical/dental/chiropody even private childbirth after 10 months of membership, together with other valuable benefits. A superior plan, obviously expensive but very attractive for senior/keymembers of staff or for individuals who demand the best.

Existing health problems
A pre-existing health condition will usually be excluded. Some pre-existing conditions may become eligible for cover after a waiting period set by the insurer, provided the condition does not reoccur during this period and you do not take medication or medical advice during this time. However, for group schemes of 20 or more it is possible to obtain cover for pre-existing conditions.

Also for those currently insured on a personal or group basis, Benefits for Business Limited can often negotiate a protected underwriting transfer of cover. This means conditions that are currently covered by a provider will continue to be covered for treatment by the new provider even where a claim is in progress. With our help it may be possible to change insurers in order to improve benefits and cut costs without any loss of cover for pre-existing medical conditions.

Cash Plans
Pay out a set amount if you are hospitalised and for other healthcare expenditure such as optical and dental treatment. Not a substitute for medical insurance as payouts will not cover the cost of private treatment.

Benefits for Business Ltd is authorised and regulated by the Financial Services Authority. Benefits for Business Ltd is entered on the FSA register (www.fsa.gov.uk/register/) under reference 304510.