Private Healthcare options

Private Healthcare Options

There are currently a number of Private Healthcare options open to Police officers and Police staff. These can be promoted through the local force and Federation but are not funded by either.

Below is a summary of what is covered for each of them but as with any scheme there are pros and cons.

National Police Healthcare Scheme (Police Officers and Police staff and their family)

Given a choice of hospitals across home region
All forms of chemotherapy, radiotherapy and associated procedures are excluded.
NHS cash benefit paid for day surgery or overnight hospital stays at a rate of £100 per day up to a maximum of £2500 in a twelve month period.
Physiotherapy, chiropractic and acupuncture as an outpatient £200 per course, with a maximum of two courses per year.

Members Age	19-29	30-39	40-44	45-49	50-54	55-64	65-69	70-74	75-79	80+
Member Only	£16	£22	£27	£33	£33	£46	£58	£100	£120	£140
Member & Spouse	£32	£44	£54	£66	£74	£92	£116	£200	£240	£280
Family	£46	£58	£68	£80	£88	£112	£144	£230	£270	£310
Member & Children	£30	£36	£41	£47	£51	£66	£86	£130	£150	£170

Following the 21^st birthday a child can remain in the scheme for £16 a month until they reach 30 yrs.

Police Mutual Healthcare Scheme (Police Officers and Police staff and their family)

Private hospital fees covers up to a limit
Outpatient consultations covered up to £600 per year.
Diagnostic procedures covered up to £1000 per year
Physiotherapy, chiropractic and Psychiatry type treatment covered up to £600 per year
Nursing home costs (certain scenarios) covered up to £1000 per year
NHS overnight treatment £250 per night up to 21 nights.

Year 1 pricing	18-24	25-29	30-34	35-39	40-44	45-49	50-54	55-59	60-64
Individual	£13.50	£19	£23	£24.50	£29.50	£33.50	£40	£46	£53
Couple	£30	£46	£58	£73	£88	£99.50	£120	£127	£142
Family	£40.50	£62	£79.50	£!08	£119.50	£126.50	£138.50	£163	£169
Single Parent family	£24.50	£40.50	£53	£67.50	£77	£84	£82.50	£84	£87.50

50% discount off the main members subscription for the first twelve months

Blueline Healthcare (Police Officers and Police staff and their family)

Treatment including diagnostics, treatment, drugs and recovery treatment £17000 per claim up to a maximum of £30000 per year
Diagnostics only £3000 per year
Cancer treatment £1000 per year with 5 year follow up cover
Nursing home care up to £1000 per year
NHS benefit £200 per night up to £2000
Not for profit company

	18-24	25-29	30-34	35-39	40-44	45-49	50-54	55-59	60-64	65-69	70-74	75-80
Single	£16.25	£24	£31.75	£37.75	£43.50	£49.50	£55.50	£61.50	£67.50	£73.25	£79.25	£85.25
Couple	25.25	37.25	49.25	58.25	67.50	81.75	91.50	101.50	111.25	121	130.75	140.75
Family	£34	£50.25	£66.25	£78.75	£91.25	110.25	123.75	£137	150.25	163.50	176.75	£190
Single parent	£22	£32.25	£42.75	£50.75	£58.75	£76	£75	£83	£91	£99	£107	£115

Each of these schemes have many benefits which are too complex to cover in this summary.

They all have pro and cons.

The officers deal with the schemes directly and the payments are made direct to the company.

Please note that cost may alter depending on current deals with each provider, so it is essential that you assess which company provides the cover that you need for your circumstances.

Private Healthcare options

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