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<h1>Standard Life Health Insurance</h1>
<p> </p>
<ul class="list3">
<li><img src="images/standardlife.jpg" alt="Standard Life logo" width="109" height="79" class="left"/>
<ul>
<li><strong>Prices From:</strong> <span>£8.33</span></li>
<li><strong>No Claims Discount:</strong> <span>65%</span></li>
<li><strong>Excess/Co-pay:</strong> <span>Yes</span></li>
<li><strong>Max Total Cover:</strong> <span>Unlimited</span></li>
</ul>
</li>
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<div align="center" style="color:#FF0000; font-size: 14px; font-weight: bold;"> <a href="/#apply">Apply For a Free Quote Now »</a> </div>
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<h2>Summary</h2>
<p>Award-winning Standard Life focuses on giving customers full service. Standard Life offers a cafeteria-style selection of benefits for healthcare plans, and with Standard Life, full-coverage means a full coverage plan without limits of time or money on coverage options. This policy sets the company apart from other healthcare companies who often include fee limits and set amounts per service despite claiming coverage. </p>
<p>Established in 1825, Standard Life deals primarily with life assurance and pensions as well as investment management and healthcare offerings. Currently Standard Life has more than 6.5 million customers worldwide and chooses to focus on the lifestyle and needs of those customers in order to build “meaningful solutions” to cover every aspect of your life – from life assurance to healthcare plans. </p>
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<h2>Healthcare Plans</h2>
<p>There are not specific plans to choose from with Standard Life. Instead, you start with a core plan and add additional services to the plan until you have exactly what suits your budget and lifestyle.</p>
<h3>Core Healthcare:</h3> <p>The core healthcare package offered by Standard Life includes in-patient and day-patient treatment such as hospital charges, specialist fees, tests for diagnosis and monitoring and physiotherapy. There is also a cash benefit for NHS in-patient or day-patient procedures of £250 per night up to a total of £2,000 per plan year or £125 per day up to a total of £500 per plan year. Out-patient services covered by Core include major scans such as the MRI, CT and PET scans.</p>
<p>The Core Healthcare also includes cancer coverage in full including stem cell therapy, radiotherapy and chemotherapy, tests and investigations, surgeries, specialists and consultations. The cancer coverage through Standard Life does not include vaccines or the removal of healthy tissue to prevent cancer in the future. It also does not cover experimental vaccines and treatments or terminal and hospice care.</p>
<p>Other health services covered under the Core package offered by Standard Life include a GP consultation line available 24 hours a day for discussions and diagnosis over the phone. A private ambulance is fully covered as well as an online health assessment and discounted health screenings by Nuffield Health.</p>
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<h2>Customizing Your Healthcare</h2>
<p>There are many items that can be added to the Core package to make the Standard Life healthcare plan truly customized to your needs. Coverage options that can be added to a package include:</p>
<ul>
<li>Up to full coverage for out-patient treatment</li>
<li>Up to 13 weeks of home nursing</li>
<li>Up to full coverage for chiropractic, osteopathy, acupuncture, homeopathy and dietician therapies or appointments</li>
<li>Family options such as coverage for pregnancy complications, infertility investigations, accommodations if your child is having an in-patient procedure, and oral surgery</li>
<li>Psychiatric treatment</li>
<li>Private GP consultations and appointments</li>
<li>Maternity coverage after two years of coverage up to £3,000 per pregnancy</li>
<li>Travel coverage</li>
<li>Dental coverage</li>
</ul>
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<h2>Benefits</h2>
<p>You can reduce your Standard Healthcare premiums by taking advantage of programs offered by the company.</p>
<h3>Excess levels:</h3> <p>You’re given an option to choose an excess level to be paid when you make a claim against your plan. The higher the amount of excess you’re willing to pay for a claim, the lower your monthly premium will be. You can also set your excess to be paid per year or to be paid each time you make a new claim.</p>
<h3>NHS wait option:</h3> <p>By electing to use NHS within six weeks of a needed treatment, you can reduce your premiums considerably. If NHS is not available for treatment within the 6 week timeframe, you are able to use a private hospital on your list. The NHS wait option can reduce your premiums up to 15 percent.</p>
<h3>No-claims discount:</h3> <p>For every year you don’t make a claim, you’ll be rewarded with a higher discount rate. If you’re considering a switch to Standard Life, you’ll be able to take advantage of the years you’ve been claim-free with your previous healthcare company allowing you start with Standard Life at a hefty 65 percent discount.</p>
<p>New members start with a generous 50 percent discount and build up to 65 percent over time. If you do make a claim, your discount will be knocked back two levels for each claim and you can begin rebuilding the discounted rate at renewal.</p>
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<h2>Update: As of July 31st, Standard Life Healthcare has been sold to The Prudential. See <a href="pruhealth.html">PruHealth review</a> for more information on the health insurance plans available.</h2>
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<h2>Why Choose Us</h2>
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<td><strong>Choice of hospitals</strong></td>
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<td><strong>Faster access to consultants and specialists</strong></td>
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<td><strong>Prompt access to eligible treatment</strong></td>
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<td><strong>Range of plans to suit your budget</strong></td>
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<li><strong>No Claims Discount:</strong> <span>66%</span></li>
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<li><strong>Max Total Cover:</strong> <span>Unlimited</span></li>
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