Platinum Healthcare Plan
Benefit comparison of Bronze, Silver, Gold & Platinum healthcare plans
Benefit description / Bronze Plan(3)(RBS Healthcare Trust) ) / Silver Plan(3) (RBS Healthcare Trust) / Gold Plan(3) (RBS Healthcare Trust) / RBS Platinum Plan (1 and 2)
(Bupa UK) / Platinum enhanced benefits over Gold benefits
Maximum benefit / Within stated benefit limits - 6 week wait rule applies / Within stated benefit limits / Within stated benefit limits / £1,000,000 / √
Area of Cover / UK
(overseas emergency cover only) / UK
(overseas emergency cover only) / UK
(overseas emergency cover only) / Worldwide including USA & Canada / √
Chronic conditions / Not covered / Not covered / Up to £1,000 per year for consultations and diagnostics / Chronic Conditions
Covered within benefit limits
(no set limit on eligible treatment) / √
Inpatient treatment / In full however 6 week wait rule applies / In full within recognised facility / In full within recognised facility / In full within recognised facility / =
Inpatient/day case psychiatric / Not covered / Full refund to a max of 28 days / Full refund to a max of 28 days / Full refund to a max of 28 days / =
Outpatient psychiatric / Not covered / £1,000 per scheme year / £1,000 per scheme year / In full / √
Therapist and complementary medicine practitioners / Benefit is limited on specialist referral only. / In full for specialists. Full refund on GP referral for up to 10 sessions per condition per year / In full for specialists. Full refund on GP referral for up to 10 sessions per condition per year / No set limit – cover is dependant on treatment received / √
Benefit description / Bronze Plan(3)
(RBS Healthcare Trust) ) / Silver Plan(3) (RBS Healthcare Trust) / Gold Plan(3) (RBS Healthcare Trust) / RBS Platinum Plan (1 and 2)
(Bupa UK) / Platinum enhanced benefits over Gold benefits
Cancer cover - Radiotherapy and Chemotherapy / In full / In full / In full / In full / =
Cancer cover – complementary medicine / Benefit is limited on specialist referral only. / In full for specialists. Full refund on GP referral for up to 10 sessions per condition per year / In full for specialists. Full refund on GP referral for up to 10 sessions per condition per year / In full / √
Targeted drug therapies / Targeted drug therapies 12 months per condition / Targeted drug therapies 12 months per condition / Targeted drug therapies 12 months per condition / In full (please authorise to ensure drug is eligible) / √
NHS cash benefit for radiotherapy and chemotherapy / Not covered / Not covered / Not covered / £50 per day up to a max of 100 days per year / √
Inpatient cash benefit / £150 per night up to a max of 35 nights per year / £150 per night up to a max of 35 nights per year / £150 per night up to a max of 35 nights per year / £50 per night up to a max of 100 nights per year / √
Home Nursing / In full / In full / In full / 180 consecutive days per year / =
Private ambulance / In full / In full / In full / In full / =
Rehabilitation treatment (immediately after acute medical treatment) / Not covered / Not covered / Not covered / Facility charges not paid if accommodation primarily used for convalescence, rehabilitation, supervision or any purpose other than eligible treatment / √
Treatment at home / In full subject to terms of policy / In full subject to terms of policy / In full subject to terms of policy / Discretionary benefit; paid in full if agreed / =
Benefit description / Bronze Plan(3)
(RBS Healthcare Trust) / Silver Plan(3) (RBS Healthcare Trust) / Gold Plan(3) (RBS Healthcare Trust) / RBS Platinum Plan (1 and 2)
(Bupa UK) / Platinum enhanced benefits over Gold benefits
Private GP and prescribed prescriptions / Not covered / Not covered / Not covered / In full / √
Cost for treatment by a family doctor in the home / Not covered / Not covered / Not covered / £50 per home visit / √
Prescribed physical aid and devices / Not covered / Not covered / Not covered / Up to £2,000 per scheme year / √
Emergency treatment outside area of cover / Full refund for up to 90 days per year / Full refund for up to 90 days per year / Full refund for up to 90 days per year / N/A – Worldwide cover / √
Repatriation and evacuation & accompanying partner or relative / Evacuation only covered if medically necessary.
Repatriation covered only if it is to the nearest hospital.
No cover for accompanying relatives / Evacuation only covered if medically necessary.
Repatriation covered only if it is to the nearest hospital.
No cover for accompanying relatives / Evacuation only covered if medically necessary.
Repatriation covered only if it is to the nearest hospital.
No cover for accompanying relatives / In full / √
Repatriation of mortal remains / Not covered / Not covered / Not covered / Up to £7,500 / √
Burial expenses (overseas) / Not covered / Not covered / Not covered / Up to £7,500 / √
Benefit description / Bronze Plan(3)
(RBS Healthcare Trust) / Silver Plan(3) (RBS Healthcare Trust) / Gold Plan(3) (RBS Healthcare Trust) / RBS Platinum Plan (1 and 2)
(Bupa UK) / Platinum enhanced benefits over Gold benefits
Palliative care and long term care / Hospice donation £70 per day / Hospice donation £70 per day / Hospice donation £70 per day / Donation to the hospice concerned on direct application. £200 per night put to a maximum of £1,000. / √
Organ Transplant / Not covered / Not covered / Not covered / UK paid in Full Outside UK - £100,000 / √
Stem cell and bone marrow treatment / Not covered / Not covered / Covered for cancer conditions / Covered for cancer conditions / =
Parent accommodation / For a child up to and including age 11 / For a child up to and including age 11 / For a child up to and including age 11 / For child up to age 13 / √
Routine maternity cover (4)
(please see below) / Not covered / Not covered / Not covered / Up to £10,000 (20% co -payment) / √
Complications of pregnancy when pregnancy is as result of normal or artificial insemination) / Not covered / Not covered / Not covered / Paid in full
(20% co-payment up to £2,000) / √
Complications of pregnancy when pregnancy is as result of assisted conception / Not covered / Not covered / Not covered / Maximum limit of £30,000 per policy year.
(20% co-payment up to £2,000) / √
Benefit description / Bronze Plan(3)
(RBS Healthcare Trust) ) / Silver Plan(3) (RBS Healthcare Trust) / Gold Plan(3) (RBS Healthcare Trust) / RBS Platinum Plan (1 and 2)
(Bupa UK) / Platinum enhanced benefits over Gold benefits
Waiting period for routine maternity cover / Not covered / Not covered / Not covered / A 10 month waiting period applies to new members requiring this benefit
A 24 month waiting period applies to returning members (4) / √
Dental cover / Not covered / Not covered / Not covered / £750 per person per policy year - £50 Excess applies / √
Accident-related dental treatment / Surgical procedures on teeth performed in a hospital - Paid in Full / Surgical procedures on teeth performed in a hospital - Paid in Full / Surgical procedures on teeth performed in a hospital - Paid in Full / In full / √
Dietician / Not covered / Not covered / Not covered / Paid in full - 2 consultations per year / √
Podiatry / Not covered / Not covered / Not covered / Paid in full - 2 consultations per year / √
Sports massage / Not covered / Not covered / Not covered / Paid in full – on GP/ Physiotherapist referral in writing for employees only / √
Excess / £175 / £175 / N/A / £50 for Dental Claims and Co-payment on Maternity/Childbirth benefit / √
Healthcare plan rates 2013/ 14
Benefit description / Bronze Plan(RBS Healthcare Trust) / Silver Plan
(RBS Healthcare Trust) / Gold Plan
(RBS Healthcare Trust) / RBS Platinum Plan
(Bupa UK)
Aviva (3) / Bupa UK (2)
Single / £276.00 / £492.00 / £1,776.00 / £3,372.00
Couple / £621.00 / £1,107.00 / £3,996.00 / £6,758.52
Family / £759.00 / £1,320.00 / £4,884.00 / £8,448.12
Single parent family / £414.00 / £738.00 / £2,664.00 / £5,068.92
(1) Please note the Platinum Plan has a 24 month lock in period.
(2) Please note all treatment covered by the Bupa Platinum Plan must be pre-authorised to ensure the treatment is eligible under the rules of the benefit. The plan will only cover treatment that is medically necessary and charges that are usual and customary. Unless otherwise stated, the benefit limits are per person per contract year.
(3) Please refer to the Private Medical Cover members guide (Bronze, Silver and Gold plan) for full rules and benefits.
(4) Maternity and Childbirth Benefits - Please note for members who leave the Platinum Plan and re-join at a later date, there is a two year waiting period to be eligible for this benefit.