Standard Life Health Insurance. The Standard Life Assurance Company was established over 180 years ago and has been one of Britain’s leading financial services company’s since then. Over the years it has diversified its range of activities as well as the geographic range of its operations and is now a true multi national organization. In 2000 the company acquired Prime Health Limited and renamed it Standard Life Healthcare. Other acquisitions and integrated expansion have brought Standard Life Healthcare to a position where it is one of the country’s leading healthcare providers.

The company has divided its range of healthcare services into four distinct broad plans, each of which has various options that allow for a plan to be modified to suit individual requirements.

First of all there is the Primecare Range. This is, at the top end of the plan, a full service medical coverage programme that will protect the policy holder from the costs of medical treatment. There are various operational levels and depending on the requirements and budget of the person taking the coverage, Primecare may be tailored to reduce the amount of coverage and thereby reduce the cost to the subscriber.

The Choice plan is meant for those who are paying for their own private healthcare and is designed to protect them from the dangers of excessively high medical bills that could arise out of either illness or accident. This is what is called a High Excess plan which means that the subscriber will take the responsibility of paying his or her own medical bills up to a certain point and if the cost of treatment exceeds a specific amount, the Choice healthcare plan will cover the excess. Here again the amount that the subscriber will pay out of his or her own pocket can be modified to suit individual requirements.

Health Cash Plans provide coverage for routine medical costs that would normally be borne out of the patient’s pocket. While these expenses when taken individually often do not appear to be very major, over a period of a year they can often total up to substantial amounts. This plan is designed to offer coverage against these often over looked but still substantial expenses.

The EspiritHealth plan is meant for those over 55 and below 80years of age at the time the coverage commences. Once the coverage has begun it can carry on irrespective of age. This is an economy plan for those who are on pensions and are cost conscious. The coverage options are varied and can include full coverage. The economy options include things like a reduction in premium by accepting a 6 week wait for non critical treatments etc. These plans make a lot of sense for the elderly as cost saving options can be taken keeping in mind the past medical history and the need for future protection.

While the four plans the company offers are fairly clear and easy to understand the options within each plan make deciding what is best for the individual somewhat confusing and it is best to spend some time examining the possibilities and perhaps getting a family doctor’s advice on what would be the best option.

Standard life health insurance offers a wide range of policies and options to suit all levels of cover and budgets. The main individual and family products range from the Primecare range to excellent cash plans. Please see below for details on what is available from Standard Life Healthcare

1. The Primecare Range

If you want comprehensive personal medical insurance, prefer to pay for some private treatment yourself with a safety net, or want cash when you’re ill - our Primecare private medical insurance plans offer new customers and those switching from another insurer real peace of mind.

2. The EspritHealth Range - for the over 55s

Cost-conscious elderly healthcare plans designed exclusively for people over 55, which provide comprehensive medical insurance. UK cover for the things that really matter to you. Our EspritHealth range offers several ways to reduce costs.

3. Choices - The high excess healthcare plan

If you’re funding your own private healthcare, make sure you are not exposed to unlimited medical bills. Our Choices high excess healthcare plan offers cost-effective back-up and more.

4. Health Cash Plans

For a few pounds a week our Health Cash Plans will provide you with cash for routine medical bills - and quite a few non-routine ones too.

 
Standard Life business health insurance plans are designed to have a great deal of emphasis on preventative healthcare. This enables your employees to lead as healthy a lifestyle as possible and also is backed up with the usual excellent main benefits of classic health insurance.

The business plan takes the modular approach so whether the company is small or large in terms of personnel you can tailor the plan to suit your needs. The policy includes all the core benefits with core enhancement along with a choice of outpatient benefit and additional benefits including therapy and psychiatric. The plan also offers GP consultation phone lines and an employee assistance programme. By taking out a £200 excess payable by claim it can reduce your premium by 27.5% and paying annually will reduce the premium further by 3%.