Who We Cover
Award-winning health insurance
Historically all new members had to be eligible to join CS Healthcare via their chosen profession. However, we are pleased to announce that as of August 2019 this eligibility criteria no longer applies. Now we provide private medical cover for everyone, regardless of their profession. Whether you are looking for individual, family or group cover, we have the know-how when it comes to providing health insurance policies designed to meet your needs. Voted the UK's 'Most Trusted Health Insurance Provider' in Moneywise Customer Service Awards for four years in a row, our UK-based experts ensure you receive our award-winning service every step of the way.
Despite the removal of our eligibility criteria, our team retain the knowledge and expertise to provide cover to those in the armed forces, civil service, public sector and not-for-profit organisations. If you fall into one of these categories, you can be sure that CS Healthcare’s 90 years of experience has gone into creating the best possible cover for you and your loved ones. We offer a choice of two medical insurance plans to align with our members varying needs. You can see them here and Compare Our Products.
IndividualsCS Healthcare provides two health insurance plans designed to meet the differing needs and budgets of individuals to ensure they get fast access to the best medical treatment from an extensive list of private hospitals and medical providers.
FamiliesWe know your family’s wellbeing is important. That’s why our policies are available to all your family members. And you can add your eldest child to your policy for FREE until they are 18 years old, potentially saving you up to £379 a year**.
GroupsOur Group Scheme can help employers deliver savings to their staff by providing them with discounted premiums when compared with our standard policies. The group Scheme offers a choice of different cover options as well as a family cover.
Why choose CS Healthcare?
There are many reasons to choose CS Healthcare.
Who are Healix?
The Healix Group of Companies has been providing healthcare and risk management solutions to clients around the world since 1992. They are our corporate partners with whom we have been in partnership with for over 10 years. In May 2017, we extended this partnership to provide electronic processing of our claims invoices, including the payment of hospitals and consultant bills.
Our members remain insured with CS Healthcare and we continue to administer your policies with our award-winning service from our office in Kingston-Upon-Thames. Healix process our claims invoices including the payment of hospital and consultant bills.
What is Private Medical Insurance?
Private Medical Insurance (also known as health insurance) is designed to cover the cost of treatment in the comfort of a private hospital facility if you become ill or injured. While the National Health Service (NHS) provides a vital service, one of the benefits of private medical insurance is that you can avoid lengthy waiting times and ensure you receive diagnosis and treatment sooner. It works to support the NHS by giving you additional choices and fast access to your chosen hospital or specialist.
With private treatment you may have access to specialist treatment which would not be available under the public health system. And if you were looking to fund this yourself, you may find that the costs soon mount up leaving you in financial difficulty, with some treatments and surgeries costing in excess of £10,000.
It’s important to note that health insurance varies depending on the provider and there may be different policy limits as well as cover available. With our tailored plan, your choice, for example, you can ensure you are covered for heart and cancer conditions, provided they are not confirmed to be pre-existing.
Here at CS Healthcare we provide health insurance to those working in the civil or public service and their families. Find out if you are eligible for cover.
What private medical plans do you offer?
Here at CS Healthcare, we offer a choice of two plans that cater for different needs and budgets.
HealthBridge is our lower-priced solution that helps to bridge the gap between the NHS and private healthcare. With a range of key benefits, HealthBridge provides support when you need it. Treatment is subject to an overall financial limit of £15,000 per person per policy year and is available at a local hospital guided by us.
your choice is designed to offer comprehensive cover and offers the flexibility to choose from a range of benefit options enabling you to create your own personalised plan. Asides from being able to tailor the plan to your specific needs, you also have the power to choose where you receive treatment from using our directory of over 300 UK independent and private hospitals.
Do you cover pre-existing medical conditions?
As with most health insurers, CS Healthcare does not cover you for pre-existing medical conditions that you are suffering from or developed before taking out your policy with us. In addition, we will not cover you for any chronic conditions which are unlikely to be cured by treatment or require indefinite or on-going monitoring and treatment.
Your policy will not usually cover conditions which are related to a pre-existing condition. By related condition, we are referring to one which is caused by, or could be the cause of, another condition.
What Underwriting options are available?
We offer two types of Underwriting methods and the option that you choose will determine how much information you need to send to us as well as the terms of your cover.
Full Medical Underwriting is based on completing a health questionnaire (also known as a Medical History Declaration). If you choose this option, you will be asked a number of questions about your health which you must answer in full. These will enable us to understand your medical history (and that of any dependant/s you wish to insure). We will review your details and inform you of the terms of insurance we are prepared to offer including whether there are any medical exclusions that we have put in place as a result of a pre-existing condition. If necessary, we may need to ask your doctor for further information and if this happens, you will be liable for any costs that we incur. With this option, we are able to make a more prompt decision as to whether you are eligible for cover at the point of claim.
Depending on the medical condition, you may be able to request that we remove a personal exclusion after two full years of membership or sooner if indicated on your Registration Certificate. For this to be considered, we will require a medical report from your GP or medical practitioner confirming that it has been cured and that you have no active signs or symptoms.
If you choose Moratorium Underwriting, you will only be required to provide basic information about you and any dependants that you wish to insure. However this does mean that you will automatically be excluded from any pre-existing conditions for which you (and any dependant included in your application) have received treatment and/or medication for, or asked advice on, or had symptoms of (whether diagnosed or otherwise), during the five years immediately before your insurance plan commences. If you do not have symptoms, treatment, medication, or advice for those pre-existing conditions, and any directly related conditions, for two continuous years after your policy starts, then we will reinstate cover for those conditions.
When making a claim under this option, we will require a copy of your GP’s referral letter to confirm whether the condition is new or pre-existing.
Please note HealthBridge is only available under Moratorium terms of underwriting.
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