Axa PPP Healthcare has designed a private medical insurance plan
for the self-employed.
Independent health cover offers the usual range of inpatient day
patient and outpatient benefits plus additional benefits that
self-employed people may find useful, such as personal business
assistance and a legal advice line.
The plan has three levels of cover - gold, silver and bronze. The gold
policy covers the full cost of impatient, outpatient and daypatient
treatment in areas such as hospital charges, consultation fees and
diagnostic tests. The silver plan offers broadly the same benefits as
the gold plan except most outpatient benefits are limited to £800 a
year. The exception to the £800 limit is radiotherapy/chemotherapy as
an outpatient benefit that is paid in full.
The bronze version of the plan reduces outpatient cover further in that
it offers only one outpatient benefit - radiotherapy/chemotherapy -
which is paid in full.
In addition to the choice of gold, silver and bronze, policyholders must
also make a choice between level one or level two cover. This relates
to the type of accommodation in hospitals listed in Axa PPP's
Under level one cover, a single room is guaranteed at all hospitals
on the list except London's Wellington hospital. Under level two cover
a single room is usually provided but is not guaranteed for all
Choosing level one cover also enhances the benefits on the gold and
silver plans as it allows the cost of psychiatric treatment to be met.
However, this benefit is limited to £800 a year with the silver plan,
whereas the gold plan has no restrictions on cover.
Western Provident Association has a similar plan aimed at the
self-employed called flexible health freelance. A 42-year old man
living in Oxford requiring standard cover would pay £39.04 a month
with Axa PPP Healthcare's silver plan and £27.20 a month with WPA.
However, WPA's cover for this quote does not include diagnostic
tests or treatment such as physiotherapy.