Medical Treatment

• We can support the full cost of any treatment or surgery on our approved list of procedures that we authorise and that takes place in one of our treatment network of hospitals

• This may include fees for surgeons, anaesthetics, operating theatres, accommodation, nursing, medical admission and specialist consultants, as well as pre-operative tests and post-operative physiotherapy, dressings or other consumables that are necessary

• If you're diagnosed with tuberculosis, we’ll cover the costs of approved treatment. This service is provided on an insured basis

• We can only provide treatment from our approved procedures list or you can call us to find out whether the treatment you require is on our approved procedures list

• We cannot provide treatment services where a procedure has taken place on the same body area within the previous two years

• We'll only fund treatment that takes place within eight weeks of our authorisation

• Anything not on our list of our approved procedures is excluded

To request access to treatment please refer to our guidance on how NHS waiting times may determine whether your request will be authorised.

Our approved procedures are broadly those that are recognised as clinically appropriate by the National Institute for Health and Clinical Excellence, are considered less complex by the medical profession, and typically might be considered as elective procedures.

As our services are provided on a discretionary basis and are subject to the resources we have available, we may change the approved procedures, including but not limited to Procedures of Limited Clinical Value. Some routine treatments are now described as Procedures of Limited Clinical Value (PLCV) by the NHS. These are procedures which national experts have suggested have only limited or temporary benefit and which are not felt to be necessary to maintain good health)

This list is not exhaustive and is subject to change. Anything not on our list of our approved procedures is excluded.