Private Health Insurance
With CS Healthcare’s private health insurance options, you and your family can relax knowing you will be treated promptly, in a clean, safe and private environment. CSMA Club members can choose from a range of benefit options to create your own personalised health insurance plan to suit your needs and budget.
*Terms and Conditions apply. Full details are available at www.cshpartner.co.uk/csmaclub
Civil Service Healthcare Society Limited incorporated in England and Wales. Registered Office: Princess House, Horace Rd, Kingston upon Thames, Surrey. KT1 2SL. Civil Service Healthcare is a registered Friendly Society authorised and regulated by the Financial Services Authority (FSA) reg.no. 205346. CS Healthcare products are covered by the Financial Services Compensation Scheme.
CSMA Club is a brand of Motoring & Leisure Services Ltd, which is authorised and regulated by the Financial Services Authority, registered number 308988. Registered office Britannia House, 21 Station Street, Brighton, BN1 4DE, registered in England no. 02813598 Our terms of business can be found here.
Key Features
As a CSMA Club member, you’ll receive your first 2 months FREE* plus an upgrade of £100 for Private Road Ambulance cover (total £350), exclusively for CSMA Club members. Simply quote promo code 193 when joining.
- A flexible choice of private health insurance options, designed to suit your needs and budget.
- Competitive premiums from a mutual health insurer.
- A choice of excesses and a co-payment option.ˆ
- Personal service from professional UK based staff.
- Fast, direct claim settlement with personal guidance and expertise at every stage.
- Freephone advice lines.
- Access to over 300 hospitals across the UK.
ˆCo-payment is a way of sharing the cost to keep premiums down - you pay 15% of the cost of your treatments up to a ceiling of £1,500 per person per policy year.
For new policies First 2 months FREE* plus an upgrade of £100 for Private Road Ambulance cover (total £350), exclusively for CSMA Club members. Simply quote promo code 193 when joining.
For renewal policies Every your choice CSMA Club member is entitled to an upgrade of £100 for Private Road Ambulance cover from £250 to £350 each policy year.
At A Glance
Cover Options include:
Essential cover – the only compulsory module providing comprehensive cover at great value. Key benefits include;
- Surgical and medical admissions and related hospital charges
- Consultants, surgeons and anaesthetists’ fees
- Specialised scans (MRI, CT and PET scans)
- Post operative consultations, investigations and test for 90 days
Expert Diagnostics – provides fast access to a consultant for investigations and tests, avoiding unnecessary waiting times.
Therapy & Care – supports recovery with a range of traditional, complementary and alternative therapies with a qualified therapist.
Heart & Cancer – comprehensive cover for acute heart or cancer conditions.
Cash Benefits – cash back towards dental, optical and health screenings.
What's Not Covered
As with most health insurers, CS Healthcare does not cover you for pre-existing medical conditions or chronic conditions which are unlikely to be cured by treatment. Nor does the policy usually cover conditions which are related to pre-existing conditions. A related condition is one which is caused by, or could be the cause of, another condition.
A chronic medical condition is a disease, illness or injury which has one or more of the following characteristics:
- it needs on-going or long-term monitoring through consultations, examinations, check ups, and/or tests
- it needs ongoing or long-term control or relief symptoms
- it requires your rehabilitation or for you to be specially trained to cope with it
- it continues indefinitely
- it has no known cure
- it comes back or is likely to come back
In addition there are some specific treatment exclusions which will apply to particular options.
The main exclusions are:
- treatment outside the UK including repatriation
- organ transplants
- routine monitoring of any medical condition
- surgical correction of short or long-sightedness
- hearing aids and other external prosthesis
- National Health Service accident and emergency treatment (including unplanned NHS Intensive Care)
- treatment for infertility
- treatment for drug abuse, alcoholism or self-inflicted injury
- cosmetic surgery
- HIV, AIDS and psychiatric treatment
- routine pregnancy or childbirth
- professional sports
Example Premiums
| Age | Co-paymentˆ cost per month |
|---|---|
| 30 years | £18.35± |
| 40 years | £22.76± |
| 50 years | £28.08± |
| 60 years | £36.22± |
Please note: The maximum joining age is 74 years and 11 months unless you are switching from a previous insurer in which case the maximum joining age is 69 years and 11 months.
±Premiums start from just £18.35 a month for a 30 year old with the co-paymentˆ option. These premiums are valid until 31 May 2012 and are based on Essential cover and partnership hospitals. Those switching from a previous insurer maybe subject to an increased premium. Premiums shown include Insurance Premium Tax (IPT) at a rate of 6%. Any changes in IPT may change your contribution rate.ˆCo-payment is a way of sharing the cost to keep premiums down - you pay 15% of the cost of your treatments up to a ceiling of £1,500 per person per policy year.
