Cover Options

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What can you add onto your core cover plan?

Hospital list

Each Iam Insured plan comes with Consultant Select as standard. This cover option gives you all-important peace-of-mind and allows doctors to decide who the right are to give you the treatment you need – as opposed to an insurer. Your consultant will also choose the most appropriate hospital for you to receive your treatment, taking into account your location and condition. But if you would rather have more choice as to where you are treated, you can opt to add a hospital list to your plan.

Out-patient cover

This cover option includes out-patient consultations as well as consultant fees as and when you need them as part of your treatment. Out-patient diagnostics includes:

  • MRI
  • CT & PET scans
  • Blood tests
  • X-rays
  • Radiology and pathology (if referred by a consultant)

Out-patient cover

This cover option includes out-patient consultations, consultant fees, diagnostic tests and physiotherapy not arranged through their Priority Physiotherapy Network up to a limit between £500 – 1,500. The likes of MRI, CT & PET scans will be covered in full, however – regardless of what limit is chosen. They will also pay you in full for physiotherapy arranged through the Priority Physiotherapy Network.

Full out-patient cover

This Cover Option includes all out-patient consultations, consultant fees, diagnostic tests and physiotherapy arranged through our provider’s Priority Physiotherapy Network.

Extended cancer cover

All of their insurance plans come with comprehensive Cancer Cover as standard. You can choose their extended cancer cover, for an additional premium, which will give you full cover should you need biological therapies, hormone or bisphosphonate therapies. They will also provide you with:

  • Follow-up consultations – Full cover
  • End-of-life home nursing care – Up to £1,000 per day for a maximum of 14 days
  • Wigs and restyling – Up to £300 per condition
  • Scalp cooling – Full cover
  • Mastectomy bras and external prostheses – Up to £200 per condition

Psychiatric cover

Psychiatric Cover will include treatment and consultations with a psychologist or psychiatrist, as well as any hospital stays. All psychiatric claims will be handled by our provider on a case-by-case basis. They offer two types of psychiatric cover options to choose from: £15,000 each plan year or £20,000 every plan year. A limit of £1,500 of this total can be used for any out-patient psychiatric treatment you may need.

Therapies cover

This option will include chiropractic treatment; osteopathy; chiropody/podiatry; acupuncture; homeopathy; and two consultations with a dietician following a GP or consultant referral.

Choose a Full Cover Option or a limit of £350 per plan year.

Dental cover

This cover option makes it easier and more affordable for you to look after your teeth. Again, as with other options, our provider can offer two levels of cover, depending on how much you are willing to spend and how much cover you need. Whichever cover option you pick, you are free to choose your own dentist.

Major Dental Treatment will give you cover for the likes of: Root canal treatments, crowns, bridges, dentures, extractions, apicectomy and any emergency dental work, should you suffer an incident.

Major & Routine Dental Treatment covers you for everything listed above and also gives you cover for routine examinations, scaling and polishing, dental X-rays and fillings.

You can only change your cover at your annual renewal date.

No, all our providers cover options apply for a plan year.

For personal plans, everyone covered by your plan will have to have the same level of cover.

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