The Hospital Self-Pay cash plan from April UK

SMP Healthcare

Not everyone has the disposable income to spend on full private medical insurance but there are alternatives available such as the Hospital Self-Pay Cash Plan from April UK.

Designed to provide members with cash benefits when you have non-urgent self-pay treatment in a private hospital which you pay for directly then send the receipt or invoice for payment and the total will be reimbursed up to the policy limits.

Are there limits on which hospital or specialist you can use?

Absolutely not, you can used any hospital or specialist in the UK for your care but you must ensure that you follow the claims procedure when making a claim. There are three levels of cover available to choose from and the benefit levels

Who is Eligible for a policy?

The Hospital Self-Pay cash plan is available to anyone between the ages of 18 and 69 inclusive providing you are living in the UK, Isle of Man or Channel Islands. Children under the age of 18 can be included on the policy providing they live in the same address.

What types of treatment are covered?

  • Diagnostic Cover including private GP consultations and diagnostic tests including CT, MRI and PET scans
  • In and Day patient self-pay packages arranged by the hospital to treat your condition
  • Therapies including physiotherapy, osteopathy, chiropractic, acupuncture and homeopathy.

As with all insurance policies, terms and conditions will apply. As an example, diagnostic tests are covered providing they have been referred by a consultant. All treatment you have must be supported by a referral from an eligible medical professional (this does not apply to private GP appointments)

Are there policy exclusions?

There are exclusions and limitations to the policy and these include things like:

  • Accident and Emergency Treatment
  • Chronic Conditions
  • Cosmetic Treatment
  • Pre-existing Medical Conditions
  • Pregnancy, childbirth and fertility

For full details of the exclusions that apply you should refer to the Policy Documents and make sure you discuss any queries prior to purchasing the policy.

The above information has been sourced from

If you are looking for a Hospital cover policy and you live in the UK your specialist health insurance broker should be able to find you the appropriate cover level and policy. The Medigest Business Directory can help you find a broker within your local area.

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