What We Cover

What’s included in your Kindred policy

All our healthcare benefits are included as standard for everyone on your policy, so you won’t find any sneaky extra charges for getting the care you need.

No need to pick and choose. You can have it all.

In patient & day patient treatment
Operating theatre, surgeon, physician and anesthetist fees	Cost paid in full
Diagnostic tests including ECG, CT, MRI and PET scans	Cost paid in full
Ancillary charges	Cost paid in full
Appliance and eligible prosthesis	Cost paid in full
Oral surgery	Cost paid in full

Cancer benefits: inpatient and day patient
Diagnostic tests including ECG, CT, MRI and PET scans	Cost paid in full
Consultations	Cost paid in full
Radiotherapy and chemotherapy	Cost paid in full
Hospital accommodation and nursing care	Cost paid in full
Surgeon, physician and anaesthetist fees	Cost paid in full
Ancillary charges	Cost paid in full

Cancer benefits: outpatient
Specialist Consultations	Cost paid in full
Diagnostic tests including ECG, CT, MRI and PET scans	Cost paid in full
Specialist cancer drugs	Cost paid in full

Other benefits
NHS cash benefit	£200 per night, up to 35 nights per policy
Private ambulance	Cost paid in full
Home nursing	Cost paid in full
Parent accommodation	Cost paid in full for one parent
Cognitive Behavioural Therapy	Cost paid in full for 10 sessions on GP referral

Outpatient benefits
Consultant consultations, diagnostic tests	Cost paid in full
ECG, CT, MRI and PET scans	Cost paid in full
Physiotherapy	Max 10 sessions through physio partner only
Chiropractic, osteopathy, podiatry	Full refund on consultant referral, 6 sessions on GP referral

What’s not included

The main things that are not covered by your Kindred policy are:

Long-term conditions

These are known as ‘chronic conditions’. They’re ongoing conditions that can usually be controlled but not cured, like diabetes and asthma.

Cosmetic treatment

We don’t cover cosmetic or aesthetic procedures. However, there are certain instances where we will cover the cost, such as for procedures needed to restore your appearance after an accident or surgery (if it took place after your policy started).

Emergency treatment

We don’t cover admissions to A&E, or treatment in an Intensive Care or High Dependency Unit following admission to A&E.

A note about pre-existing conditions

When you apply for our health insurance, you can choose between two types of underwriting: Moratorium and Full Medical Underwriting (FMU).

Moratorium is the simplest option: you don’t need to fill out a health questionnaire and any pre-existing conditions from the last 5 years will be excluded from your policy for 2 years.

With FMU, you’ll fill out a health questionnaire, telling us about any pre-existing conditions from the last 5 years. We’ll carefully review each condition and tell you which we can and can’t cover.