| Dental | Full cost up to £95 per year | Full cost up to £110 per year | Full cost up to £155 per year |
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We will pay You up to the maximum amount of Your chosen level, shown in the Table of Cover. You pay the cost directly to the Dentist for dental treatment covered by this Policy, and We will reimburse You with the cost of this treatment up to the appropriate maximum entitlement available in Your Claiming year under Your chosen Premium level. |
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| Optical | Full cost up to £95 per year | Full cost up to £100 per year | Full cost up to £135 per year |
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We will pay You up to the maximum amount of Your chosen level, shown in the Table of Cover. You pay the cost directly to an optician for prescribed glasses or contact lenses and We will reimburse You with the cost of this treatment up to the appropriate maximum entitlement available in Your Claiming year under Your chosen Premium level. |
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| Physiotherapy, Osteopathy, Chiropractic, Acupuncture | 50% of cost up to £600 per year | 50% of cost up to £650 per year | 50% cost up to £800 per year |
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We will pay You up to the maximum amount of Your chosen level, shown in the Table of Cover. You pay the cost directly to a Physiotherapist, Osteopath, Chiropractor or Acupuncturist for treatment and We will reimburse You up to the appropriate maximum entitlement available in Your Claiming year under Your chosen Premium level. |
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| Chiropody, Podiatry | 50% of cost up to £60 per year | 50% of cost up to £60 per year | 50% cost up to £90 per year |
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We will pay You up to the maximum amount of Your chosen level, shown in the Table of Cover. You pay the cost directly to a Chiropodist or Podiatrist for Chiropody/Podiatry treatment and We will reimburse You up to the appropriate maximum entitlement available in Your Claiming year under Your chosen Premium level. |
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| Homeopathy, Reflexology | Only available on Standard Plus and Extra Plans | 50% of cost up to £60 per year | 50% cost up to £100 per year |
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We will pay You up to the maximum amount of Your chosen level, shown in the Table of Cover. You pay the cost directly to the Homeopath or Reflexologist for Homeopathy/Reflexology treatment and We will reimburse You up to the approriate maximum entitlement available in Your Claiming year under Your chosen Premium level. |
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| Consultation Fees | 50% of cost up to £250 per year | 50% of cost up to £300 per year | 50% of cost up to £350 per year. |
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We will pay You up to the maximum amount of Your chosen level, shown in the Table of Cover. You pay the cost directly to a medically qualified Specialist, Consultant or Surgeon for a diagnostic consultation and We will reimburse You up to the appropriate maximum entitlement available in Your Claiming year under Your chosen Premium level. |
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| X-ray/Scan | 50% of cost up to £80 per year | 50% of cost up to £80 per year | 50% of the cost up to £100 per year |
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We will pay You up to the maximum amount of Your chosen level, shown in the Table of Cover. You pay the cost directly to a medically qualified Specialist or Consultant for a X-ray/Scan and We will reimburse You up to the appropriate maximum ntitlement available in Your Claiming year under Your chosen Premium level. |
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| Medical Apparel | 50% of cost up to £400 per year | 50% of cost up to £460 per year | 50% of cost up to £650 per year |
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We will pay You up to the maximum amount of Your chosen level, shown in the Table of Cover. You pay the cost directly to the provider for medical apparel and We will reimburse You up to the appropriate maximum entitlement available in Your Claiming year under Your chosen Premium level. |
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| Health Screening | 50% of cost up to £100 per year | 50% of cost up to £130 per year | 50% of cost up to £160 per year |
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We will pay You up to the maximum amount of Your chosen level, shown in the Table of Cover. You pay the cost directly to the health screening provider for health screening services and We will reimburse You up to the appropriate maximum entitlement available in Your Claiming year under Your chosen Premium level. |
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| In-Patient, Day Case & Parental Stay | £30 per day/night (£15 for children) up to a maximum 20 days/nights in total | £35 per day/night (£15 for children) up to a maximum 20 days/nights in total | £40 per day/night (£20 for children) up to a maximum 20 days/nights in total |
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We will pay You at the appropriate rate under Your chosen Premium level for the period You are admitted as a Day Case patient for treatment in a recognised hospital up to a maximum of 20 days, in a Claiming year. Hospital Day Case, parental stay and hospital in-patient cover share the same maximum entitlement of up to 20 days/nights in total. Please refer to 3.15 in our terms and conditions for full details. |
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| Maternity, Paternity, Adoption | £160 per birth / adoption | £200 per birth/adoption | £250 per birth / adoption |
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We will pay a single payment at the appropriate rate under Your chosen Premium level in respect of each Child born to You, provided the 50 week Qualifying period has been completed. You must have applied to include Your Child under Your Policy and We must have accepted that request and recorded the Child's details under that Policy before benefit can be paid. |
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| Personal Accident Protection supplied by UK Underwriting Ltd on behalf of AXA Insurance UK plc | Only available on Extra Plan | Only available on Extra Plan | Up to £15,000 |
Subject to the provisions stated in the Personal Accident Protection policy, the amount of benefit payable under the Personal Accident Protection shall be considered if bodily injury results in death or permanent disability within one year following the date of accident. Personal Accident Protection Cover is provided by UK Underwriting Ltd on behalf of AXA Insurance UK plc. Please contact LHF by telephoning 0800 056 0366 for details of how to claim. |
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| Helpline. Telephone counselling, Travel, Well-being advice, Medical, Parental/Lifestage advice | 0800 975 3350, 24 hours a day, 7 days a week, 365 days a year | 0800 975 3350, 24 hours a day, 7 days a week, 365 days a year | 0800 975 3350, 24 hours a day, 7 days a week, 365 days a year |
The Helplines are provided by First Assist. There are stringent service level agreements in place and a number of the Helplines are recorded to ensure quality standards are met and so that complaints can be rectified accordingly. First Assist is ISO9001:2000 compliant, which helps to ensure a quality response to your needs. This service is provided as an initial source of advice. Any costs incurred following advice must be borne by the Member. |
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| Funeral Expenses | Up to £750 | Up to £750 | Up to £750 |
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We will pay up to the appropriate maximum entitlement available in Your Claiming year under Your chosen Premium level. Qualifying period - 50 weeks |
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| Worldwide Benefit Cover | Adults - All benefits Children - Applicable benefits |
Adults - All benefits Children - Applicable benefits |
Adults - All benefits Children - Applicable benefits |
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Cover is extended to busines trips or holidays abroad of up to and including 28 days duration. Claims submitted are subject to the rules as detailed in Your Table of Cover and must be supported where necessary with a translation of the details to English.
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0800 980 3207
You can call us on the number above
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