With Personal Health you choose from a range of five options that best suit your needs. You can have any combination or all the following options – the choice is yours.

Benefit		Cover		Notes
Option 1: Out-patient tests and consultations		.		Option 1 is designed to diagnose your condition and does not cover consultations, investigations or monitoring after diagnosis.
Specialist consultation fees		Full cover		.
Diagnostic tests, including CT, MRI and PET scans		Full cover		Unlimited number, conducted as an out-patient
BCWA Advice Lines		Full cover		.
Option 2: Acute surgery		.		Option 2 does not cover: Conditions that don't require a surgeon to treat them. Surgical procedures for heart and cancer conditions (See Option 4).
Diagnostic tests		Full cover		Unlimited number, conducted as a day-patient or in-patient for investigations related to acute surgery.
Surgeons' and Anaesthetsts' fees		Full cover		.
Hospital charges Accommodation and nursing (including intensive care) Operating theatre charges Drugs and dressings prescribed for use while an in-patient or day-patient Pathology, physiotherapy and diagnostic tests Prostheses, when implanted as an integral part of a surgical procedure.		Full cover		.
Physiotherapy		Full cover		If requested by a Specialist up to three months after surgery.
NHS cash benefit		£250 a night or day case admission.		Paid for each night when you receive eligible in-patient treatment free of charge under the NHS, up to 91 nights in any one Year. Also paid for procedures carried out free of charge under the NHS on a day-patient basis.
Parent accommodation charges		Full cover		For one parent staying overnight in hospital while their child receives in-patient treatment. The child must be under the age of 12 and enrolled in parents' membership.
BCWA Advice Lines		Full cover		.
Option 3: Complementary therapy		.		For treatment recommended by your GP.
Out-patient services Physiotherapy Chiropractic Osteopathy Acupuncture Homeopathy		Full cover		Therapy to cure your condition, but not to maintain an ongoing chronic condition.
BCWA Advice Lines		Full cover		.
Option 4: Treatment for cancer and heart conditions		.		Option 4 is designed to work alongside the NHS. If the treatment cost looks like exceeding the benefit available, we will work with your Specialist and the NHS to make sure that your treatment continues smoothly.
Heart treatment		£50,000 (policy lifetime value)		All surgery, including open heart surgery, drugs, routine clinical care and post treatment care.
Cancer treatment		£50,000 (policy lifetime value)		All surgery, chemotherapy, radiography, oncology and other drugs and post treatment care.
BCWA Advice Lines		Full cover		.
Option 5: Dental and optical treatment		.		No pre-authorisation required by BCWA. We will reimburse 50% of the receipted cost up to the maximum annual amount allowed for your level of cover. No qualifying period.
Level 1		Dental: £80 max/year Optical: £70 max/year		.
Level 2		Dental: £120 max/year Optical: £100 max/year		.
Level 3		Dental: £160 max/year Optical: £140 max/year		.

To help you decide which are the best options for you, you will need to refer to the Policy Document which includes full details of the benefits, and the exclusions and rules that apply to them.

For more information on the cover available for dental procedures under Option 2 and cancer treatment under Option 4, please refer to What is NOT covered?

Benefits – important notes

1. As we select your treatment provider and all Treatment that will be paid for is arranged by BCWA, you must call the Service⁺ Helpline on 0800 294 7301 before arranging treatment. We will only pay for treatment we have arranged.
2. Treatment expenses must, in our opinion, be reasonable and exclusively for the treatment of an eligible Acute Condition.
3. Benefits may be adjusted from time to time. However any changes will only apply to your policy from your next annual renewal date.
4. Maximum limits of benefit apply to each person included in the enrolment.
5. Except in an emergency all treatment for which benefit is claimed must be arranged with the knowledge and approval of the patient’s GP or of a specialist to whom the patient has been referred by their GP.
6. We may refuse to pay any expenses in excess of those normally charged for similar treatment in the UK. We may require full itemisation of any charges giving rise to a claim. We will not pay more than the actual expenses incurred (except for payment of NHS cash benefit).
7. Benefit is only payable for treatment received, by an enrolled member, during a period for which premiums have been paid. Treatments are limited to those shown in the Benefit table.
8. For the assessment of all in-patient claims the days of admission and discharge shall count as one day.
9. Option 4 – This is a lifetime benefit, so if you receive £20,000 benefit in Year 1 for a heart condition, there would be a remainder of £30,000 of benefit available for the remainder of the lifetime of your policy.
10. You can change your benefit options at your annual renewal date. If you add an option, new underwriting terms will be applied to that option.