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Additional Important Information.

 

Health Plan Terms and Conditions

Health Plan Policy Summary

Protego Group Key Facts

 

UNISONplus 50+ Healthcare Plan

Who can apply?

All UNISONplus members and their families aged 50 and over can apply to join this plan. There is no upper age limit to join and you can remain on cover as long as you wish. Don't worry about your medical history, it will not exclude you or add to the cost. If you have dependent children and are under the age of 65 please click here

What am I covered for?

The premium and benefits table below explains the cover in more detail but we can tell you:

  • Optical cash means your sight test and glasses or contact lenses from any
    optician of your choice. Laser eye treatment is also covered.

  • Dental means check-ups, hygienist services and treatments by any dentist of your
    choice – with extra cover for accidental damage treatment and denture repairs.

  • Specialist consultations/tests are covered on referral from your G.P. – even if your
    condition existed before taking out this plan.

  • Therapy treatments entitle you to physiotherapy, osteopathy, chiropractic,
    acupuncture, chiropody, and a wide range of alternative therapies – even for an
    existing problem. Call us to find out which alternative therapies you can receive.

  • If you have to spend time in hospital you will receive cash payments to spend on
    anything you want*. More than 14 days in hospital will also mean you’ll receive a recuperation benefit as well*.

  • If you need convalescence at home after a hospital stay we will help you to meet
    the expense of a home help*.

  • We provide an advisory service help line which is available 24 hours a
    day, 365 days a year for any legal, medical and financial issues including identity
    theft and counselling.
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Bronze Silver Gold

Benefit Period

24 Months

12 Months

12 Months

Optical

Looking after your eyesight is important which is why we give you an Optical cash benefit to visit any optician of your choice for eye tests, glasses and contact lenses. Even laser eye surgery is covered. You may never need to pay eye care bills yourself again!

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Benefit Level

£75

Benefit Level

£100

Benefit Level

£150

Dental - General Routine Treatments

Healthy teeth not only look good, they are vital for one of your body's primary functions - eating. You need them to last as long as possible and also to protect your smile! This is why it is important to look after them with regular trips to the dentist. Whether your dentist is NHS or Private, your bills will be fully covered up to your policy maximum.

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Benefit Level

£90

Benefit Level

£90

Benefit Level

£130

Dental - Accident Damage Treatments

If dental treatment is required as a result of an impact accident this extra cover is provided so you don't end up out of pocket by using your routine dental treatment benefit.

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Benefit Level

£160

Benefit Level

£160

Benefit Level

£240

Denture Repairs

If you damage your dentures you will have this extra benefit to pay for repairs - unlike most other plans on the market.

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Benefit Level

£80

Benefit Level

£80

Benefit Level

£120

Specialist Consultations and Tests

Specialist consultations/tests are covered on referral from your G.P. – even if the  condition existed before you took out the plan. You don't even have to worry about outlaying any cash either as the insurer pays most bills directly.

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Benefit Level

£150

Benefit Level

£150

Benefit Level

£300

Therapies – Physiotherapy/Osteopathy/Chiropractic

Therapies help with pain relief and with the treatment of injuries. Physiotherapy, osteopathy, chiropractic are covered on this benefit. The UNISONplus Plan will cover the costs for you - even if you had the aches and pains or injury before you joined! You don't even have to worry about outlaying any cash either as the insurer pays most bills directly.

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Benefit Level

£200

Benefit Level

£200

Benefit Level

£400

Therapies – Chiropody and alternative therapies

Therapies help with pain relief and with the treatment of injuries. Chiropody, acupuncture, reflexology, homeopathy and all other recognised alternative therapies are covered. The UNISONplus Plan will cover the costs for you - even if you had the aches and pains or injury before you joined! You don't even have to worry about outlaying any cash either as the insurer pays most bills directly.

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Benefit Level

£100

Benefit Level

£100

Benefit Level

£150

Hospital Cash – In-Patient

A stay in hospital can not only result in a loss of income but can also cause unexpected expenses such as taxi fares or car parking, phone calls and even TV hire. This benefit will pay you cash for up to 50 nights in hospital for a new condition after the time of joining.

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Benefit Level

£20 x 50
nights

Benefit Level

£20 x 50
nights

Benefit Level

£40 x 50
nights

Emergency Hospital Admissions

This benefit will pay you an enhanced rate for each full night as an In-Patient in an NHS or Private Hospital following admission via accident and emergency immediately following an accident or assault.

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Benefit Level

£40 x 10
nights

Benefit Level

£40 x 10
nights

Benefit Level

£80 x 10
nights

Hospital Day Case Cash

This benefit will pay you cash to help with unexpected costs such as taxi fares, car parking, phone calls etc or simply the 'inconvenience' should you have to go to hospital for day-case surgery for a new condition after the time of joining.

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Benefit Level

£30 x 10
days

Benefit Level

£30 x 10
days

Benefit Level

£60 x 10
days

Recuperation

With UNISONplus Plan you automatically qualify for an additional cash payment if you are hospitalised for over 14 nights for a new medical condition which may occur after the time of joining.

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Benefit Level

£150

Benefit Level

£150

Benefit Level

£200

Home Help

If you need convalescence at home after a hospital stay, the UNISONplus Plan will help you to fund a home help for a new medical condition which may occur after the time of joining.

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Benefit Level

£300

Benefit Level

£300

Benefit Level

£500

Hearing Aids

An UNISONplus Plan will help with the cost of purchase or repairs of hearing aids.

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Benefit Level

£100

Benefit Level

£100

Benefit Level

£200

Surgical Appliances

There is help towards the cost of surgical appliances such as elastic hosiery, surgical corsets, surgical wigs, mastectomy bras, etc. The UNISONplus Plan helps with the cost of these purchases.

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Benefit Level

£100

Benefit Level

£100

Benefit Level

£200

24/7 Help Line

The UNISONplus Plan help line is manned by a team of professional counsellors available 24 hours a day seven days a week. This benefit gives you personal support for any legal, financial or medical matters including identity theft, and offers counselling for family issues and bereavement.

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Benefit Level

Included

Benefit Level

Included

Benefit Level

Included

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