A new health insurance policy, available from AIG Direct, is offering customers cashback if they opt to have the procedure on the NHS .
The policy, called HealthChoice, provides policies that give cover for diagnosis, planned surgery and post-operative care at either BMI Healthcare’s network of private hospitals or on the NHS. If treatment is sought at a private BMI Healthcare hospital, cover is included for all costs including complications that require unexpected extended stays.
After 30 days, or when the benefit limit is reached for a certain procedure, a patient will be required to pay additional costs out-of-pocket or switch to a NHS hospital . According to AIG, if the customer chooses to seek treatment at NHS, the insurance pays the policy holder that difference in procedure cost, up to £21,750, to be spent in which ever way the customer wants.
A spokesperson for HealthChoice said: “The product is designed to be flexible, simple and cost effective, empowering policyholders to make their own decisions when it comes to their healthcare needs.”