Provider: HealthNow Product: HealthNow Policy Head office address: HealthNow, UNAT Direct...
Provider: HealthNow
Product: HealthNow Policy
Head office address:
HealthNow,
UNAT Direct Insurance Management Ltd,
96 George Street,
Croydon,
CR9 1BU.
Tel: 020 8662 8143
Minimum acceptable age at commencement: 18
Maximum acceptable age at commencement: 79
Age cover ceases for existing clients: Cover will cease on the first of the month following the assured's
85th birthday.
Maximum age for a dependant child to be covered: Any child belonging to the policyholder or policyholder's spouse or partner are covered up to age 17 years or 22 years if in full-time education.
Premiums can be paid monthly: Yes, via direct debit.
Minimum acceptable monthly premium: £9.95
Premiums can be paid annually: Yes
Minimum acceptable annual premium: £119.40, for single life aged 18-24.
Premiums paid by direct debit: Yes
Premiums paid by cheque: Annual premiums only.
Premiums paid by any other means: Annual premiums may be paid by credit card.
Waiver of premium available: No
Underwriting by moratorium clause: Yes, with this option, the applicant does not need to fill in a health questionnaire.
Plan is fully underwritten: Yes, if this option is chosen, the answers to the questionnaire will enable HealthNow to understand the applicants medical history
(and that of any member of the family who is to be insured).
If the policyholder has a pre-existing condition that is likely to need treatment in the future, it will usually be excluded from cover and any conditions related to it. If treatment for a pre-existing condition is excluded when the policy first starts, HealthNow will, in some cases, review the exclusion in the future, if the policyholder wishes. Usually, the company will not remove an exclusion for a long-term medical condition which is always likely to need regular or periodic treatment.
Premium loading applied to pre-existing conditions: No
Compulsory excess applied: No
Optional excess available: No
No claims discount available: No
Loyalty bonus offered: No
Non smoker rates available: No
Claims pre-authorisation service: If the planholder wishes to claim under the policy, they must tell HealthNow before any consultation, investigation or surgery takes place and, if cover applies, HealthNow will confirm in writing their agreement to make a payment under the policy at each step.
Claims settled direct with hospital: Yes
Number of hospital bands available: None. One premium scale allowing access to any hospital in the UK.
Select hospital list used: Yes
In-patient nursing and accommodation costs: If the treatment is for a specific procedure covered under the plan then it is covered subject to policy limits.
In-patient consultations costs: If the treatment is for a specific procedure covered under the plan then it is covered subject to policy limits.
In-patient surgeons fees: If the treatment is for a specific procedure covered under the plan then it is covered subject to policy limits.
In-patient anaesthetist fees: If the treatment is for a specific procedure covered under the plan then it is covered subject to policy limits.
In-patient physicians fees: If the treatment is for a specific procedure covered under the plan then it is covered subject to policy limits.
In-patient drugs and dressings: If the treatment is for a specific procedure covered under the plan then it is covered subject to policy limits.
In-patient X-rays (radiology): No
In-patient pathology: If the treatment is for a specific procedure covered under the policy then it is covered subject to policy limits.
In-patient radiotherapy: No
In-patient chemotherapy: No
In-patient computer tomography: HealthNow will pay for up to two of the listed investigations a year on the advice of a medical specialist.
In-patient physiotherapy: No
In-patient intensive care costs: No
Costs of parent accompanying a child: No
In-patient psychiatric treatment: No
Out-patient consultation costs: Full refund if consultant/specialist is on HealthNow's approved list. Up to two initial consultations a year.
Out-patient X-rays (radiology): No
Out-patient pathology: No
Out-patient radiotherapy: No
Out-patient chemotherapy: No
Out-patient computer tomography: Full refund up to £500 per annum, for two investigations a year on the advice of a medical specialist for one of the listed specified investigations.
Day care treatment: If the treatment is for a specific procedure covered under the plan then it is covered for up to the policy limit.
Cover for costs of optical treatment: If the treatment is for a specific procedure covered under the plan then it is covered subject to the policy limit.
Cover for costs of dental treatment: If the treatment is for a specific procedure covered under the plan then it is covered for up to the plan limits.
Pre-existing conditions excluded: If moratorium underwriting has been chosen, HealthNow will not pay for any consultation, investigation or surgery due to any medical or physical condition which was diagnosed or known to exist in the 24 months before the effective date or in the 90 days after the effective date until two consecutive years have elapsed after the effective date without symptom, treatment, medication, tests or advice from a doctor or consultant.
If full medical underwriting has been chosen and the assured has a pre-existing condition that is likely to need treatment in the future, HealthNow will usually exclude it from cover and any conditions related to it. HealthNow will not usually remove an exclusion for a long-term medical condition which is always likely to need regular or periodic treatment.
Psychiatric treatment excluded: Yes
Treatment outside UK excluded: Excluded. HealthNow does not cover those who permanently live outside the UK, the Channel Islands or the Isle of Man.
