Here’s a quick overview of what is and isn’t covered by the Group Healthcare Deposit Account. Please see the Your Policy Explained document for a more comprehensive list.
The Group Healthcare Deposit Account covers employees for:
| Medical |
Dental - available after 6 months |
|
Surgical operations
Consultations
Physiotherapy
Cancer treatment
Heart surgery
Diagnostic investigation
Acupuncture
Homeopathy
Chiropody
Ambulance fees
Health screening (available after 6 months)
Counselling
NHS hospital payments - Up to 10 overnight stays |
Bridges
Crowns
Dentures
Fillings
Extractions
Inlays
Dental implants
|
| Optical - available after 6 months |
New contact lenses
New glasses
Repairs
Prescription sunglasses
Laser eye treatment (available after 24 months)
Eye tests (can be claimed every other year) |
It doesn’t cover you for:
| Any pre-existing condition |
| UNLESS we knew about it when you joined and agreed to cover it OR you opted for moratorium cover and have had no symptoms for 5 years before you apply and for at least two years during the policy |
|
Cosmetic treatments
Dental and optical claims in the first six months of the policy
Dental check-ups
Any dental treatment not listed above, including cosmetic dental treatments, scale and polish, braces and bite guards
Drugs and dressings
GP charges
HIV- or AIDS-related conditions
Long-term or chronic conditions
Overseas treatment
Pregnancy or fertility related treatments
Surgical or medical appliances |