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CS Healthcare is a specialist provider of health insurance to those that work, or have worked, in the civil service, public service and not-for-profit sector, including their families.
Why choose CS Healthcare?
We’ve been providing health insurance for over 75 years and, being shareholder free we are able to re-invest surplus funds back into the Society to ensure we keep premiums as low as possible. That’s why over 84% of new members declared our competitive premiums as a reason for joining and over one in four joined as a result of personal recommendation†.
Members can enjoy piece of mind with UK based claims advisers available to guide members through the claiming process step by step and upon request can arrange to settle bills direct with the hospital or consultant.
Benefits include:
- Access to over 300 hospitals across the UK.
- Competitive rates from a mutual health insurer.
- Fast, direct claim settlement with expertise and guidance at every stage.
- Flexible choice of cover, designed to suit your needs and budget.
- Access 24 hours a day 7 days a week to a free health advice line
- Free Doctor call back service at a time convenient to you
- Healthy Living’ benefits in the form of discounted health screenings, gym membership and spa treatment.
Product profile
Description
The ‘your choice’ health plan provides a range of benefit options that can be selected to create your own personalised plan. There is one compulsory level of cover, ‘Essential’, which includes hospital stays, scans, surgery and necessary aftercare. Individuals can choose to take out additional cover from a menu of options:
- Heart & Cancer – treatment for heart or cancer conditions.
- Expert Diagnostics – out-patient benefits including psychiatric and cover.
- Therapy & Care – variety of traditional, complementary and alternative therapies.
- Cash Benefits – four level of cover for cash reimbursement for Dental/Optical and Health Screening.
Age
18-74
Essential benefits
- In-patient, day-patient treatment and outpatient surgery hospital costs
- In-patient, day-patient treatment and outpatient specialist fees
- In-patient, day-patient consultations
- In-patient, day-patient and out-patient diagnostic scans
- Post-operative consultations, investigations, tests and physiotherapy
- Pre-operative tests to assess your fitness for surgery
- Private ambulance
- NHS cash benefit
- Out of band hospital benefit
- Parent accommodation
- Home nursing
- Health advice line
- Healthy Living benefits – a range of discounted benefits: Health screenings, Fitness First health and fitness club membership and Champneys Spa.
Not covered
- Treatment outside the UK
- Organ transplants
- Pre-existing medical conditions
- Routine pregnancy and childbirth
- HIV, AIDS
- Treatment for infertility
- Treatment for drug abuse, alcoholism or self-inflicted injury
- Cosmetic surgery
- NHS Accident and Emergency treatment (including unplanned NHS intensive Care)
Optional extra
- Voluntary excess
- Co-payment option
- Choice of two hospital bands: Partnership (Across UK and a selection of London hospitals), Extended (Partnership hospitals and a selection of more expensive hospitals)
- Expert Diagnostics option: consultations, Outpatient investigations and tests, Dietician, Audiology, Optometry and Psychiatric consultations and counselling.
- Therapy & Care option: out-patient physiotherapy, Osteopathy, Chiropractic treatment, Sports therapy, Acupuncture, Homeopathy Chiropody/Podiatry, Speech therapy, Occupational therapy, Appliances/aids following an in-patient admission and Home help.
- Heart & Cancer option: treatment including drugs, heart surgery, Heart and Cancer necessary aftercare, radiotherapy/chemotherapy.
- Cash Benefits option: cash reimbursement for dental treatment, optical treatment and Health Screenings.
Want to know more?
Get a quote
Or call on 0800 917 4325
CS Healthcare Policy Summary
View the Policy summary for benefits provided by CS Healthcare’s your choice health plan.
† Internal membership data 2006 - August 2007
Civil Service Healthcare is a registered friendly society authorised and regulated by the Financial Services Authority (FSA) reg. no 205346