Hospital inpatient
Please check your specific membership plan to make sure that this benefit is included in your level of cover. These terms are not specific to Essentials and Tailored membership plans.
We will pay benefit at the appropriate nightly rate for the period a person entitled to benefit is admitted for inpatient treatment in a recognised hospital or hospice.
You must fill in your claim form yourself confirming the medical reason for the hospital treatment. The claim form must be checked and stamped with the hospital or hospice stamp, and signed by a member of their staff. Or you can send us your inpatient letter which would have been given to you when you were discharged.
What is covered
- Any period of overnight stay in a hospice, an NHS hospital, a private hospital or a registered treatment centre, from one to 25 nights, for a medical condition to be treated or investigated
- Being admitted to the ward, from the accident and emergency department, before midnight
- Fees for filling in claim forms or certificates, as long as you provide an official hospital receipt with your claim
- Worldwide cover during business visits and holidays abroad that last up to 28 days
What is not covered
- Attending accident and emergency
- Clinics, medical centres or nursing homes
- Hospital accommodation for an elderly person who is not able to live independently
- Maternity-related admissions for dependent children
- The first 10 consecutive overnight stays as a maternity inpatient, during which time the woman gives birth
- A child’s first 10 consecutive overnight stays as an inpatient after being born
- Outpatient treatment
- Permanent stays in hospital
- Pre-existing conditions
