Health-on-Line is an innovative company who arrange private medical insurance in the UK. They can offer you, the customer a menu-based product where you can choose the options of cover you want at a price you can afford.
The product offerings are arranged and administered by Health-on-Line and the products are underwritten by AXA PPP healthcare limited who are also responsible for claims administration. Both Health-on-Line and AXA PPP healthcare are authorised and regulated by the Financial Services Authority (FSA).
Traditional private medical insurance providers have offered over-complicated products and suffer from a lack of product flexibility, requiring you to select from pre-packaged benefits selected by the Insurer. Health-on-line have broken away from this way of thinking and created one plan that can be built to meet your needs and budget.
Cover under either Option 1 or 2 will ensure that you are promptly referred to the Consultant of your choice. All eligible claims will be settled direct with the provider of services as long as your claim has been authorised.
Option 1: Standard Out Patient Cover
This option meets the costs of out-patient specialist consultations diagnostic tests on specialist referral and clinical practitioner charges up to a maximum of £1000 a year.
Option 2: Comprehensive Out Patient Cover
This option meets the costs of out-patient specialist consultations diagnostic tests on specialist referral and clinical practitioner charges on a full refund basis.
Option 3: Therapies
This option provides benefit for complementary practitioner charges and physiotherapist charges. These two benefits have a combined overall annual limit of £1000.
Within the above limit, benefit is available for up to 10 sessions of treatment a year for GP referred physiotherapy and/or complementary practitioner treatment.
Any further physiotherapy and/or complementary practitioner treatment must be under the control of the specialist.
Option 4: Psychiatric Cover
This option provides cover for eligible in-patient and day-patient psychiatric treatment on a full refund basis at a private hospital or day-patient unit listed in the Directory of Hospitals.
In addition, this option may provide cover for eligible out-patient psychiatric specialist consultations and clinical practitioners' charges for psychiatric treatment.
Option 5: Ancillary Benefits
This provides cover for general costs associated with healthcare insurance including hospital at home, NHS cash benefit, a specific list of pregnancy complications, oral surgery and chiropody.
Reference must be made to Health-on-Line's membership handbook for a full list of the benefits that are available under this option and the terms and conditions applicable.
Option 6: Optional Excesses
By selecting an Optional Excess, this will result in you assuming responsibility for the first excess amount of any eligible claims made at a future date.The optional excesses that are available are:
£100 excess =
10% to a maximum of £85 discount
£250 excess =
20% to a maximum of £213 discount
£500 excess =
30% to a maximum of £425 discount
You need to be aware that the Optional Excess is applied per person, per policy year and is in
addition to the
£100 compulsory excess that applies to your policy.
Option 7: Dental and Optical Cash Benefit
This option provides cover for (a) 80% of the costs of eligible dental care up to a maximum of £150 each year and (b) 80% of the cost up to a maximum of £250 every two years for prescribed spectacles and contact lenses needed to correct vision. This option also provides £15 of cover towards the cost of eye tests in each policy year.
Option 8: Travel Cover
This option provides you and your family members with cover towards the cost of emergency medical treatment abroad. The travel option has the major benefits of other travel insurance policies such as medical costs, additional expenses and delayed departure. Reference must be made to the Travel Membership Handbook which details the full terms and conditions applicable to this option.
Option 9: Cancer Upgrade Option
The Essential Cover part of the policy includes cover for the out-patient treatment of cancer which arises after the start of the policy. This includes radiotherapy or chemotherapy, alone or in combination. In addition to the traditional cancer treatment covered by the plan, members will also have up to 12 months cover, subject to the policy terms and conditions, for licensed chemotherapy drug treatments (such as Herceptin and Avastin) which may be needed for a prolonged period of time.
If the Cancer Upgrade option is chosen, members will instead have up to 36 months cover.
Personal and Company Choice is modular private medical insurance policies, so you may choose the options that you require. The core and only mandatory benefit is described as 'Essential Cover', which provides cover for eligible private in-patient and day-patient treatment at hospitals listed in their 
