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
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
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 2015/ 16
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)
