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Halifax Healthcare Cash Plan
If everyday medical costs are lightening your wallet, you should consider purchasing Halifax’s Healthcare Cash Plan; this policy covers your routine healthcare costs. To help you save even more money, Halifax grants all customers - both new and existing - a 5 percent discount for policies purchased online. When you apply, you will not have to fill out any health forms, and you will not have to complete any medical exams; if you are between the ages of 18 and 59, you are guaranteed acceptance.
Halifax offers its customers two levels of cover - standard and premier. A standard policy offers a basic level of cover, and it is the more affordable of the two. A standard policy costs as little as £10.50 a month, while a premier policy can cost £18.50 a month. Rates vary depending on your age and the number of people listed on your policy.
Under this plan, you can claim up to 50 percent of your optical care fees, including the cost of your eye tests and prescribed glasses or contact lenses. Under a standard policy, the maximum limit for claims is £100, while the limit under premier policies is £200; a six-month deferral period applies.
You can also claim up to 50 percent of the cost of your dental checkups and dental treatment, to a maximum of £100 for a standard policy or £200 for a premier policy. Again, a six-month deferral period applies. You may also qualify for an Inpatient Benefit; for every 24-hour period of your hospitalization, Halifax will pay you £30 under a standard policy and £60 under a premier policy. You can claim this benefit for up to 365 days. Halifax will also pay out £30 and £60 per day under the standard policy and the premier policy respectively if you are an inpatient in the Intensive Care Unit. Additionally, for each day you visit a hospital as a day-patient on the recommendation of your GP, you can claim £30 under a standard policy and £60 under a premier policy, for a maximum of six visits a year.
Halifax Essential Health Cover
Halifax offers its customers Essential Health Cover in conjunction with AXA PPP healthcare Limited. This valuable cover protects you if you are ever diagnosed with cancer, heart disease or stroke. Your maximum claim limit of £250,000 covers a wide variety of medical expenses, including private hospital and day-patient unit charges. If you use a hospital not listed in the Directory of Hospitals, you can claim an out-of-directory cash benefit. You can also claim your specialists’ fees; Halifax imposes no maximum limit within your policy limit for this type of cover. Halifax will pay for your inpatient consultations, which covers any of your consultations with a second specialist on the recommendation of your treating specialist. And if a child listed on your policy is admitted into hospital, you can claim the cost of one parent’s stay in hospital with the child.
You can also enjoy extensive coverage as an outpatient, as well. Halifax covers your surgical procedures, specialists’ consultations, diagnostic tests and clinical practitioner charges. Any radiotherapy and chemotherapy treatments you receive as an outpatient are also covered, as are any costs resulting from Computerized Tomography (CT), Magnetic Resonance Imaging (MRI), and positron emission tomography (PET) testing. You can also apply for an out-of-directory scanning cash benefit; if, for your medical tests, you use a hospital or a facility not listed in the Directory of Hospitals, you may receive a cash sum.
Halifax will also cover the full cost of your ambulance transport when medically necessary. This policy also pays for your hospital-at-home; this covers the cost of your intravenous chemotherapy or intravenous antibiotics when administered by a qualified nurse in your home. You’ll also receive an NHS cash benefit if you receive free treatment under the NHS when you are admitted as an inpatient. A limit of £100 a night applies, to a maximum claim limit of £2,000 a year.
Halifax Private Medical Insurance
In conjunction with AXA PPP healthcare Limited, Halifax offers all of its customers Private Medical Insurance. With this policy, you have access to over 250 hospitals in the network, and you will receive prompt care and treatment as both an inpatient and a day-patient. If you have a medical problem or concern that does not need immediate attention, you can call Halifax’s Health at Hand 24-hour helpline, which gives you access to important health information over the phone. And you can start your policy with a 40 percent no claims discount.
All Private Medical Insurance plans are moratorium policies. This means that you are not required to disclose your medical history when you apply for a policy. Instead, Halifax will not cover you for any medical conditions you were diagnosed with prior to purchasing your policy. This moratorium is in place for two years; after this time, you can receive full cover for all medical conditions.
Assure Choice
If your doctor recommends immediate treatment for your medical condition, and the NHS cannot provide you with treatment within six weeks, Halifax will cover the cost of your treatment. There is one condition; your treatment must involve surgery or a hospital stay before Halifax will cover it.
Under an Assure Choice policy, Halifax covers your hospital charges, your diagnostic tests and your radiotherapy and chemotherapy treatments. In addition, you can claim your consultants’ and specialists’ fees. Halifax covers outpatient procedures, as well; you can claim the cost of your surgical procedures, your diagnostic scans, and your radiotherapy and chemotherapy treatments. You may also be eligible for an NHS cash benefit. The Assure Choice policy covers your private ambulance service as well as your hospital-at-home service.
Assure 6 Choice
No one wants to wait for medical treatment; with an Assure 6 Choice policy, you will receive prompt medical attention. Halifax will pay for your hospital stay or surgery if the NHS cannot provide you with adequate treatment withing six weeks of the date you are due to start treatment. If, however, the NHS can start you on your treatment within those six weeks, you can claim a tax-free payment of £50 a night to a maximum of £2,000 a year for every night of your treatment.
Halifax covers your hospital charges and consultants’ and specialists’ fees. In addition, the policy covers your diagnostic tests and any radiotherapy and chemotherapy treatments. As an outpatient, you can claim any fees resulting from surgical procedures, diagnostic scans and radiotherapy and chemotherapy. If you are receiving medical care at home, you can file a claim under Halifax’s hospital-at-home cover. The Assure 6 Choice policy also provides you with a private ambulance to transport you to and from hospital. You can also apply for an NHS cash benefit if you receive treatment under the NHS for a condition that is also covered by your policy.
Ideal Choice
The NHS sometimes suffers from a backlog; if you need treatment for your medical condition, and the NHS cannot provide you with treatment within six weeks, then Halifax will cover the cost of your treatment if it involves surgery or a hospital stay. This policy also covers your hospital charges, diagnostic tests and consultants’ and specialists’ fees. In addition, Halifax covers your psychiatric treatment costs. And if you are diagnosed with cancer, Halifax will pay for your radiotherapy and chemotherapy.
As an outpatient, you can claim the cost of your surgical procedures, radiotherapy, chemotherapy, diagnostic scans and psychiatrist treatment. You can also claim up to £800 a year to cover your physiotherapy and your consultants’ and specialists’ fees; each person listed on your policy can also claim up to £800 per year. Halifax also covers costs resulting from your hospital-at-home and your private ambulance services. You may also be eligible for an NHS cash benefit.
Ideal 6 Choice
If your doctor recommends surgery or a hospital stay to correct your medical condition, and the NHS cannot guarantee that you will receive treatment within six weeks, then Halifax will cover the cost of your medical treatment. On the other hand, if the NHS can provide you with treatment, then Halifax will pay you a tax-free cash sum of £50 for every 24-hour period of your treatment, to a maximum of £2,000 per year.
The Ideal 6 Choice policy covers your diagnostic tests, psychiatric treatment and hospital charges when you are an inpatient in hospital. In addition, you can claim your consultants’ and specialists’ fees, as well as the cost of your radiotherapy and chemotherapy treatments. Any surgical procedures you undergo as an outpatient are also covered.
And if you receive radiotherapy, chemotherapy, diagnostic scans or psychiatrist treatment as an outpatient, Halifax will cover the cost in full. Every person listed on your policy can claim up to £800 a year to cover the cost of outpatient physiotherapy and consultants’ and specialists’ fees. Halifax will also cover your hospital-at-home costs and your private ambulance fees. You may also qualify for an NHS cash benefit.
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