ENT general surgery, gynaecology, ophthalmology orthopaedics and urology. Please be aware that our cancer cover is subject to medical history. For Personal Health plans we only offer cancer cover if you do not have pre-existing conditions. Those with pre-existing conditions will be offered the NHS cancer support. Fill in your and your partner’s/dependants’ details via this form to join the health insurance scheme.
The Benenden Health way we were founded on the vision of many people joining together to help pay for private medical care to support those in need. Benenden Health is an affordable alternative to private health insurance. Access to over 250 common procedures across medical specialities including orthopaedics and general surgery. All authorised treatment costs are directly settled in full by Benenden Health.
However, if you already know you need treatment, but don’t yet have health insurance, buying a new policy will not cover the treatment you need. Instead, take advantage of our pay-as-you-go healthcareoffer, which includes options to spread the cost of treatment. If you travel internationally you should buy appropriate travel insurance before you go. If you are choosing a new policy, make sure you check how it covers these issues. An excess is the amount you’ll have to pay towards your treatment when you make a claim on your health insurance policy. Having an excess reduces the cost of your cover and you can choose different excesses for each member covered.
We also offer access to physical and mental health services, including 24/7 GP and Mental Health helpline, quick access to diagnosis and treatment, plus a whole lot more for just £11.90 a month. The NHS provides speedy care for cancer, brain and heart disease, which are among the areas we don’t provide treatment for. Instead, we use our members’ contributions to pay for healthcare services that complement the NHS, making our healthcare a much more affordable alternative. We cover over 250 procedures within the following areas.
We’re a mutual, not-for-profit private healthcare provider focusing on the needs of our 820,000+ members. Insurance is designed to cover new and unforeseen risks. Therefore, most private medical insurance doesn’t cover treatment for conditions you’re already suffering from until after a specified treatment free period.
WPA is unique amongst UK insurers in achieving four highly regarded and internationally recognised standards across our company. These standards reflect our service excellence provided to our customers, whether big global employers, medium sized businesses or the many thousands of UK individuals and families. A personal commitment to customer service excellence from staff who are trained first and foremost to listen – and most of all, to care.
Read ABI’s advice on travel insurance, including how COVID-19 can affect it, and their guide on choosing the right travel insurance policy. When you travel, make sure you take your insurance policy details with you, including the policy number and your insurer’s emergency assistance telephone number. Share your policy details with people you’re travelling with and friends or family at home, in case they need to contact your insurance company on your behalf. If you need to make a claim, you expect your insurance provider to be there for you. When you buy our health insurance, you buy our promise that we’ll deliver. See what is and isn’t usually covered by health insurance policies.
(For example, if you sign up on 20 January, you will receive the pack by 31 March.) Your premiums will be deducted from your pay after tax on a monthly basis. They may also go up over time, whether due to inflation or because you are getting older. If you do want cover for an ongoing or long-term condition, it’s best to speak to a provider directly, and they may be able to tailor the policy to accommodate your needs. Many people have health insurance without even realising it. Don’t forget to call your insurer after visiting your GP to activate your insurance. Have your referral details to hand when you call, as your insurer will need this information to confirm that the treatment you need is covered by your policy.