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The table below summarises the yearly cover provided by the Good All Round cash plan. You can claim straightaway for treatment received on or after your policy start date, however certain benefits (marked *) do have a qualifying period or a 6 month qualifying period for pre-existing conditions. Take a look at the policy terms and conditions for full details. Up to four dependent children, aged under 18, are covered at the same level as the policyholder for all benefits excluding birth/adoption.

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Levels of cover Level 1 Level 2 Level 3 Level 4 Level 5
Monthly premium (per adult) £9.88 £15.60 £22.75 £32.50 £41.60
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Everyday essentials Payback
Dependent children up to the age of 18 covered for free
Dental including treatment, check-ups and x-rays
100% yes up to £60 up to £90 up to £120 up to £150 up to £180

We will refund the amount you have paid to a qualified NHS or private dental practitioner up to the appropriate maximum amount in each claiming year. This maximum amount depends on your level of cover.

What is covered:

  1. Dental treatment (including check-ups and hygienist fees)
  2. Full or partial dentures
  3. X-rays

What is not covered:

  1. Cosmetic dentistry
  2. Dental implants
  3. Dental prescription charges, although you may be able to claim for these under the ‘prescription charges, inoculations and vaccinations’ benefit
  4. Non-prescribed items (such as mouthwash, dental floss and toothbrushes)
  5. Missed appointment charges
  6. Registration and administration fees
  7. Premiums for dental maintenance or dental membership schemes (such as Denplan)
Optical including glasses, contact lenses and eye tests
100% yes up to £60 up to £90 up to £120 up to £150 up to £180

We will refund the amount you have paid to a qualified optical practitioner up to the appropriate maximum amount in each claiming year. This maximum amount depends on your level of cover.

What is covered:

  1. Sight tests
  2. Prescription eyewear
  3. Glasses repairs
  4. Laser eye surgery or refractive eye surgery performed by a recognised hospital or laser eye clinic, but not the consultation fee

What is not covered:

  1. Non-prescription eyewear
  2. Miscellaneous items (such as any type of solutions, glasses cases and cleaning materials)
  3. Premiums for eyewear insurance
  4. Receipts where you have only made a part payment or paid a deposit, including receipts showing a balance outstanding
  5. Laser eye surgery or refractive eye surgery consultations
  6. Missed appointment charges
Prescription charges, inoculations and vaccinations
50% yes up to £16 up to £24 up to £32 up to £40 up to £48

We will refund half the amount you have paid for NHS or private prescription charges, and charges for inoculations or vaccinations from a qualified medical professional, up to the appropriate maximum amount in each claiming year. This maximum amount depends on your level of cover.

To make a valid claim for prescription charges, you must get a named receipt from a registered pharmacist on the day you pay for your prescription. When you send us your claim, you must also send us this receipt. If you are claiming for an NHS prepayment certificate, you must send us a copy of your prepayment certificate, clearly showing your name and the ‘valid from’ date, with your claim.

To make a valid claim for inoculations or vaccinations, you must get a named receipt from a registered pharmacist or medical practitioner on the day you pay for your inoculation or vaccination.

What is covered:

  1. NHS prescription charges
  2. Private prescription charges
  3. An NHS prepayment certificate
  4. Prescription and other charges arising from having an inoculation or vaccination

What is not covered:

  1. Prescriptions for sexual aids or contraceptives
  2. Prescriptions for lifestyle conditions (for example, to help you give up smoking, stop drinking alcohol or lose weight)
  3. Inoculations or vaccinations provided free of charge by the NHS
  4. Inoculations or vaccinations for anyone other than you
  5. Any postage, packing and delivery costs
Help to keep you ticking over Payback
Dependent children up to the age of 18 covered for free
Physiotherapy / Osteopathy / Chiropractic / Sports massage*
6 month qualifying period for pre-existing conditions
50% yes up to £200 up to £300 up to £400 up to £500 up to £600

We will refund half the amount you have paid to a qualified and registered physiotherapist, osteopath, chiropractor or sports massage therapist up to the appropriate maximum amount in each claiming year. This maximum amount depends on your level of cover. The amount covered is not per therapy – it is a total amount which can be used against one, or a combination, of the therapy treatments covered, up to the yearly maximum amount for your level of cover.

What is covered:

  1. Physiotherapy, osteopathy or chiropractic treatment provided by a practitioner who is qualified and registered with an appropriate professional body recognised by us, including:
    • physiotherapists registered with the Health & Care Professions Council (HCPC);
    • osteopaths registered with the General Osteopathic Council (GOsC);and
    • chiropractors registered with the General Chiropractic Council (GCC)
  2. Sports massage treatment provided by a therapist recognised by us
  3. A Private Medical Insurance (PMI) excess that you have paid to your PMI provider in order to access physiotherapy, osteopathy, chiropractic or sports massage treatment

What is not covered:

  1. Any treatment provided by a practitioner who is not qualified and registered with an appropriate professional body recognised by us
  2. Any other treatment that is not physiotherapy, osteopathy, chiropractic or sports massage (including, but not limited to, aromatherapy, herbal therapies, Indian head massage, Reiki, Alexander Technique, Bowen Therapy and craniosacral therapy)
  3. X-rays and scans
  4. Appliances and supporting materials (including, but not limited to, lumber rolls, spinal pillows or cushions, flexibands, tape, ice packs and books)
  5. Missed appointment charges
  6. Treatment received for pre-existing conditions in the first six months of joining or upgrading a policy
Chiropody / Podiatry
50% yes up to £50 up to £75 up to £100 up to £125 up to £150

We will refund half the amount you have paid to a qualified and registered chiropodist or podiatrist up to the appropriate maximum amount in each claiming year. This maximum amount depends on your level of cover. The amount covered is not per therapy – it is a total amount which can be used against one, or a combination, of the therapy treatments covered, up to the yearly maximum amount for your level of cover.

What is covered:

  1. Chiropody or podiatry treatment provided by a qualified practitioner registered with the Health & Care Professions Council (HCPC) or the Register for Foot Health Practitioners (RFHP)

What is not covered:

  1. Any treatment provided by a practitioner who is not qualified and registered with the HCPC or RFHP
  2. Cosmetic procedures and pedicures
  3. X-rays
  4. Miscellaneous items (including, but not limited to, corn plasters, insoles and dressings)
  5. Surgical footwear or appliances including, but not limited to, arch supports and orthotic insoles
  6. Missed appointment charges
Acupuncture / Homeopathy / Reflexology / Earwax removal
50% yes up to £70 up to £105 up to £140 up to £175 up to £210

We will refund half the amount you have paid to a qualified and registered acupuncturist, homeopath, reflexologist or hearing care professional up to the appropriate maximum amount in each claiming year. This maximum amount depends on your level of cover. The amount covered is not per therapy – it is a total amount which can be used against one, or a combination, of the treatments covered, up to the yearly maximum amount for your level of cover.

What is covered:

  1. Acupuncture, homeopathy, reflexology or earwax removal treatment provided by a practitioner who is qualified and registered with an appropriate professional body recognised by us. Recognised professional bodies include the following:

Acupuncture

  • British Acupuncture Council
  • British Medical Acupuncture Society (BMAS)
  • The Modern Acupuncture Association
  • The Association of Traditional Chinese Medicine and Acupuncture UK

Homeopathy

  • The Faculty of Homeopathy
  • ITEC qualified
  • The Society of Homeopaths
  • Alliance of Registered Homeopaths

Reflexology

  • Federation of Holistic Therapists
  • British Reflexology Association
  • Association of Reflexologists
  • International Institute of Reflexologists
  • British School of Reflexology
  • International Federation of Reflexologists
  • Complimentary Therapists Association

Earwax removal

  • Care Quality Commission (CQC)
  • Health & Care Professions Council (HCPC)
  • British Society of Hearing Aid Audiologists (BSHAA)

What is not covered:

  1. Any treatment provided by a practitioner who is not qualified and registered with an appropriate professional body recognised by us
  2. Homeopathic medicines bought in isolation (for example, from a chemist, health food shop, by mail order or online)
  3. Any other treatment that is not acupuncture, homeopathy, reflexology or earwax removal (including, but not limited to, aromatherapy, ear candling, herbal therapies, Indian head massage, Reiki, Alexander Technique, Bowen Therapy and craniosacral therapy)
  4. Hearing tests and consultations
  5. Miscellaneous items (including products and equipment to soften, remove or prevent a build-up of earwax)
  6. Missed appointment charges
Health screening
50% yes up to £70 up to £105 up to £140 up to £175 up to £210

We will refund half the amount you have paid after receiving an approved health screening check, carried out by medically qualified staff, up to the appropriate maximum amount in each claiming year. This maximum amount depends on your level of cover.

What is covered:

  1. Well person screening (including ECGs and screening to test for high cholesterol, kidney function, diabetes, thyroid problems, liver function, and female and male specific cancers)
  2. Osteoporosis screening

What is not covered:

  1. Screening for legal, employment, insurance, emigration or similar purposes (for example, compulsory health screening for HGV/PSV)
  2. Home testing kits
  3. Diagnostic procedures or tests
  4. Missed appointment charges
Support if you need NHS or private hospital treatment Payback
Dependent children up to the age of 18 covered for free
Hospital in-patient and day case admission*
6 month qualifying period for pre-existing conditions
Max 7 days/nights yes £20 per day/night £30 per day/night £40 per day/night £50 per day/night £60 per day/night

We will pay you at the relevant fixed daily/nightly amount, up to a maximum of 7 days/nights in each claiming year, each time you are:

• admitted for treatment as a day patient to a recognised hospital or medical centre (with surgical facilities) where you must sign an admission form. For clarity, day case admission is where you are admitted and discharged on the same day. If you are admitted as a day patient and then subsequently stay overnight, we will pay one night’s hospital cover (not one day and one night)
• admitted to a ward (not including an accident and emergency department) to receive treatment as an in-patient. For the purpose of this policy, an in-patient stay is classed as a full night only if you are admitted as an in-patient before 12 midnight.

The amount we will pay depends on your level of cover. To claim, you can either provide a copy of your hospital discharge summary with your claim or ask the hospital or medical centre to fill in the relevant section of the claim form with their details and details of the treatment (they should also sign and stamp the form). If you provide a copy of your hospital discharge summary, this must include the dates of admission and discharge, and the reason you were admitted.

What is covered:

  1. Admission as an in-patient for treatment of a medical condition or as the result of an accident. If you are admitted as the result of an accident, the in-patient stay begins when you are formally admitted to a ward, not from the time you arrived at the hospital
  2. Maternity in-patient admission, including for a caesarean section, where the hospital stay is for the insured mother only. We will not pay this benefit if the mother is only staying in hospital to be with her baby until they are discharged from hospital
  3. An admission to a day case ward or unit for treatment of a medical condition
  4. The first seven days/nights in each benefit claiming year

What is not covered:

  1. In-patient admission to a hospital, nursing home, residential home or other accommodation arranged only or partly for domestic reasons or to provide respite care (to give your carers a break)
  2. Nights when a patient is allowed out of hospital for whatever reason
  3. Admissions relating to alcohol, chemical or drug dependency, self-inflicted illness or injury, or conditions arising as a result of dependency on alcohol, chemical substances or drugs, or a self-inflicted illness or injury
  4. Emergency admission due to drinking an excessive amount of alcohol or alcohol poisoning, taking any illegal substance, or drug or solvent abuse
  5. Day case admission related to maternity (pregnancy and childbirth), geriatric (older people), psychiatric and hospice care
  6. Attending hospital as an outpatient or visits to an accident and emergency department
  7. Nursing treatment plans, community matron service or virtual ward treatment (also known as ‘hospital at home’)
  8. Antenatal or postnatal admission for a dependent child who you register on your policy
  9. Parental stay where you stay with a dependent child who is admitted as an in-patient
  10.  Hotel ward accommodation costs
  11.  Pre-admission appointments
  12.  Cancelled operations and procedures
  13.  In-patient stays or day case admissions for pre-existing conditions in the first six months from the date of joining or upgrading a policy
  14.  Day case admission immediately prior to or following an overnight stay in hospital for which a claim may be payable under hospital in-patient
Hospital consultant fees and diagnostic tests*
6 month qualifying period for pre-existing conditions
50% yes up to £150 up to £225 up to £300 up to £375 up to £450

We will refund half the amount you have paid to a specialist hospital consultant who is registered with the General Medical Council (GMC) up to the appropriate maximum amount in each claiming year. This maximum amount depends on your level of cover. To make a valid claim you must have a formal referral from your GP or qualified health care practitioner to see a specialist hospital consultant to help diagnose an illness or condition. The GP or health care practitioner making the referral should not be linked to the hospital consultant in a way which could create a conflict of interest.

What is covered:

  1. An appointment with a specialist hospital consultant
  2. Treatment from a specialist hospital consultant
  3. X-rays and diagnostic tests, investigations and scans ordered by a specialist hospital consultant to help with a diagnosis
  4. A Private Medical Insurance (PMI) excess that you have paid to your PMI provider in order to be seen and treated by a specialist hospital consultant

What is not covered:

  1. Charges made by a hospital or clinic for using their facilities (for example, operating theatres, dressings and equipment)
  2. Ambulance or taxi charges
  3. Consultations and diagnostic tests that are needed as a result of a lifestyle choice (such as vasectomy, sterilisation, cosmetic surgery and emigration) or for medical and/or insurance related reports
  4. Consultation and diagnostic tests related to fertility or assisted conception
  5. Dietician or nutritional services
  6. Termination of pregnancy
  7. Missed appointment charges
  8. Referrals to a hospital consultant for pre-existing conditions in the first six months from the date of joining or upgrading a policy
Support when you need a helping hand Payback
Dependent children up to the age of 18 covered for free
Birth/adoption of a child*
6 month qualifying period
Fixed
amount		 no £100 per child £150 per child £200 per child £250 per child £300 per child

We will pay a fixed amount for the birth or adoption of a child or children in each claiming year, as long as the correct premiums have been paid for the six month qualifying period. Before paying the birth or adoption benefit, we will need to see a copy of the full birth certificate or adoption papers, showing the name of the policyholder (or holders) and the child’s name. We will pay this benefit for each child, and the amount we pay depends on your level of cover.

What is covered:

  1. The birth of a child, whether at home or in hospital
  2. The legal adoption of a child under the age of 16
  3. The birth of a child stillborn after the 24th week of pregnancy (we will need to see a copy of the stillbirth certificate)

What is not covered:

  1. A miscarriage before the 24th week of pregnancy
  2. Foster children
  3. Termination of pregnancy
  4. The legal adoption of a child who is already related to you or your partner before the adoption takes place
  5. Claims in the first six months from the date of joining or upgrading a policy
Member benefits – accessed via the online customer area

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Levels of cover Level 1 Level 2 Level 3 Level 4 Level 5
Monthly premium (per adult) £9.88 £15.60 £22.75 £32.50 £41.60
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Premiums include insurance premium tax (IPT).

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