2. In-patient and day-patient treatment
Private hospital and day-patient unit
charges, including accommodation,
diagnostic tests, surgery, nursing care,
drugs and dressings.
Specialist fees.
CT, MRI or PET scans if referred by
a specialist.
Accommodation for one parent if your child
(under 16) is on your policy and having
treatment that’s covered.
Out-patient treatment
Surgical procedures.
Radiotherapy and chemotherapy.
And also:
Health at Hand: a 24-hour health
information helpline.
How Business Priority Health works
Surprisingly affordable, surprisingly simple.
1
The Core cover
Here’s what’s covered by Core cover.
Setting up your policy
to suit your business
Your cover begins with the Core cover,
personalise cover by choosing an
out-patient level for each individual
employee. Then simply choose the
option you want for the whole group.
Finally, you can control your premium by
choosing whether to go for the Six-week
Safety Net and the level of excess for
each employee too.
If you have one to five employees,
we keep things simple by keeping
everyone in one group.
If you have six or more employees,
you can choose different cover for different
groups of management and staff. This gives
you the flexibility to find the right balance
of cover and budget for your business.
You can set up three groups within your
scheme as long as each one contains at
least three employees.
Our Hospital List and
Priority Health specialists
Our Hospital List includes details of the hospitals
where Business Priority Health members can go ahead
with treatment knowing that their fees will be paid in full.
Should you wish to use a hospital or specialist not on
our list please see the QA at the back of this brochure.
Priority Health specialists are chosen specially to
provide treatment to our customers. If you have
treatment from them, you can relax knowing that
their charges will be paid in full.
You can see the full list of hospitals on our website.
Just go to: www.health-on-line.co.uk
3. Therapies option
Up to £500 a year in total for physiotherapy,
osteopathy and chiropractic treatment.
Up to an overall maximum of 10 sessions in
a year when referred by a GP.
Mental Health option
Cover if you’re in hospital overnight or as a
day-patient for psychiatric treatment, for up
to 30 days a year.
Cover for up to £1,000 a year in total
for out-patient psychiatric specialist
consultations and – if your specialist refers
you – psychologist or cognitive behavioural
therapist charges.
Extra Care option
Hospital at home: a nurse to give you intravenous
chemotherapy or antibiotics in your own home, as an
alternative to going into hospital.
NHS cash benefit: £50 a night, up to £2,000 a year.
Oral surgery: no yearly maximum for some oral surgery
treatments.
Chiropody: up to £150 a year.
Dentist and Optician Cashback option
Money back for:
80% of your dentist’s charges, up to £400 a year.
80% of the cost of prescription glasses and contact lenses
that you need to correct your sight, up to £200 a year.
Up to £25 a year for eye tests.
Extra Cancer Cover option
No time limit on cover for specialist cancer drugs, such as
biological therapies (including Herceptin and Avastin) as
long as they are used within the terms of their licence.
Experimental drug treatment, as long as it’s part of an
ethically approved trial.
Additional expenses incurred to support you whilst
you are undergoing active treatment of cancer – up to
£150 a year for wigs and up to £5,000 a year for the
provision of external prosthesis.
A donation of up to £100 a night to a registered hospice
who provide you with end of life care related to cancer.
Private GP Cover Option
Up to £500 a year for fees for visits to a private GP for
consultations
Up to five consultations a year with a Doctor@Hand GP
To find out more on Doctor@Hand visit our dedicated
page: www.health-on-line.co.uk/DAH
2
Choose your options
Tweak your Business Priority Health package
to get the cover and price you’re happy with
Out-patient options
Choose an Out-patient option for each
employee and they’ll also get:
Standard Out-patient option
Up to two specialist consultations a year.
No yearly limit on diagnostic tests on
specialist referral.
CT, MRI or PET scans if referred by a specialist.
Enhanced Out-patient option
Up to £1,000 a year for specialist
consultations, diagnostic tests and
practitioner charges.
CT, MRI or PET scans if referred by
a specialist.
Full Out-patient option
No yearly maximum for specialist
consultations, diagnostic tests and
practitioner charges.
CT, MRI or PET scans if referred by
a specialist.
Practitioners are nurses, dieticians, orthoptists
and speech therapists.
4. Add an excess
The higher your excess, the lower your price.
You can choose different excesses for
each employee.
• No excess • £100 • £250 • £500
Your employees or their family members pay
this amount if they make a claim. It only needs
to be paid once per person in each policy year.
Choose the Six-week Safety Net
The Six-week Safety Net is a simple way to
lower your price.
If the NHS can give you the hospital treatment
you need within six weeks of when treatment
should take place, then you’ll use the NHS.
Otherwise, you’ll go privately.
The Six-week Safety Net applies to all Business
Priority Health treatment except for out-patient
consultations and diagnostic tests (such as
physiotherapy and consultations with a specialist
or osteopath) where you’ll go privately straight
away, however long the NHS wait.
3
Sound interesting?
Find out how surprisingly
affordable business health
insurance can be. To find out
more, or get a quote contact
your Intermediary.
Bring down the cost
If you want a lower price, these are
the ways you can bring the cost down.
5. At Health-on-Line we work hard to
keep our costs down without losing
out on quality.
Here’s how we keep our costs down:
1 By working with carefully selected
hospitals and specialists.
2 We run as much as we can online.
3 You have a choice of what’s covered,
so you get a price you like.
Providing health insurance in this way
keeps our costs down without cutting
the cover you and your colleagues receive.
Introducing Business
Priority Health
• Business Priority Health is a simple, affordable
business health insurance that you can tailor to
fit your business’s specific needs and budget.
• If you have six or more people on the policy, you
can set up different levels of cover for different
teams or areas.
Private health insurance can help keep your
colleagues and your bottom line healthy
Why Health-on-Line?
• We are always looking – to see how we can
do things better.
• Our customer reviews – we believe in offering
a fantastic simple service to our customers,
which is why we hold a 99%*
satisfaction rating
from online review site Feefo.
• Health-on-Line is backed by
AXA PPP healthcare, which means Business
Priority Health customers benefit from 75 years
of experience in health insurance.
*
As of June 2016
Health insurance to fit your business
A flexible policy to suit your needs and your budget
Colleagues
back at work
faster
Business
Priority
Health
Fewer
sick days
to pay for
Prompt access
to private
medical
healthcare
More reason
for the best
people to stay
with you
+ +
=
=
6. Health-on-Line Company (UK) Ltd
Authorised and regulated by the Financial Conduct Authority. Registered in England No. 3655704.
Registered address: Health-on-Line, 5 Old Broad Street, London EC2N 1AD, United Kingdom.
Priority Health is underwritten by AXA PPP healthcare Limited.
AXA PPP healthcare Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA).
Registered in England No. 3148119.
Registered office: AXA PPP healthcare, 5 Old Broad Street, London EC2N 1AD, United Kingdom
PB58302/07.16
Can you add family members?
Yes: it’s easy to add a family member – for example a
partner or child – to a Business Priority Health policy.
They will get the same cover as the policyholder.
Do we have to use the hospitals and
specialists on your list?
We would always recommend that your colleagues use a
Priority Health specialist at a hospital on our Hospital List.
This will mean they can go ahead with treatment knowing
that we will cover the costs in full.
If your colleague chooses to use any other hospital or
specialist, we will only pay part of the costs, and they
will need to pay the rest themselves. This could be a
significant amount of money. In some cases, we may
not be able to pay the fees at all.
What isn’t covered?
As with any insurance policy, there are things that
Business Priority Health doesn’t cover. The main
exclusions are:
• treatment of conditions that the member had before
they joined
• ongoing treatment of long-term illness
• routine pregnancy and childbirth.
Business Priority Health also does not cover the following
unless the member has the relevant option:
• treatment of mental health problems
• out-patient consultations and tests.
We’ll send more information about what is and isn’t
covered to members when they join.
What about existing medical conditions?
We offer various options for covering existing medical
conditions that you and your colleagues are aware of.
Please note: these are options for your cover. We will
discuss them with you to find which suits you best.
Two-year watch and wait period
You may see this called a ‘moratorium’.
• Members don’t fill in a medical declaration when they join.
• Members only have cover for medical problems that
they’ve experienced or experienced symptoms of in the
last five years:
– after they’ve been a member for two years in a
row, and
– once they’ve had a period of one year trouble-free
from that condition.
By trouble-free, we mean that the member hasn’t:
– seen any medical professional, including
GPs, specialists, complementary therapists
or physiotherapists
– taken any drugs (even over the counter drugs) or
followed a special diet
– had any medical treatment.
Please contact your Intermediary for more information.
Full declaration
• Members fill in a medical declaration when they join.
• If necessary, we may ask the member’s GP or hospital
for a medical report.
• We won’t cover any conditions that the member is
already suffering from or aware of.
• We’ll tell the member which conditions are not covered
and whether we’ll be able to review that in future.
Continuing medical exclusions from
another health insurer
• If you or your colleagues already have cover from
another health insurer, we may be able to start your
cover with the same exclusions – so we won’t usually
ask you to fill in a new medical declaration*.
*Please note a medical declaration may be required for groups of
1-2 members.
Medical history disregarded
• Membership on this basis means the underwriting
exclusions outlined above do not apply.
• All pre-existing conditions (whether currently excluded
or not) are covered subject to the rules and benefits of
the plan.
• Certain requirements and restrictions may apply.
• Please contact your Intermediary for more information.
