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'inSpire' Private Medical Insurance

You're only seconds away from your online quote!

About You

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You must ensure that to the best of your knowledge and belief that the information you provide in this application form, and any supplementary information provided as part of this application are accurate, honest and complete. Failure to do so may mean that we cannot cover a claim.

By clicking on 'Get your quote', you agree that we and other members of the APRIL group may inform you by mail, telephone, e-mail or text message of products and services such as special offers and healthcare information. You may change your mind at any time by contacting us. You can contact us by:

Telephone: 0800 028 0849
Email: enquiries@april-uk.com

We may record and/or monitor calls for quality assurance, training and as a record of our conversation.

Your Policy Details

Your Premium

per month

( annually)

Including insurance premium tax (IPT) at the current rate

Excess Options

People To Be Covered

Reference

Proposed Start Date

Your quote is valid for 30 days. Your premium may change if you go through a birthday or move house prior to the start date.

Your Cover Includes

In-patient and day-patient benefits

Covers procedures where a hospital bed is required for the day, or overnight, such as surgery or an operation.

More Information
Hospital Accommodation and Nursing Care:
Prescribed Drugs and Dressings:
Operating Theatre Fees:
Radiotherapy & Chemotherapy:
Consultations, Radiology, Pathology:
Diagnostic Tests including MRI/CT/PET Scans:
Physiotherapy:
Reasonable and Customary Surgeons, Physicians & Anaesthetists Fees:
Oral Surgery (non dental):
Eligible Prosthesis:

Out-patient benefits

Covers procedures where you do not need a hospital bed. This includes specialist consultations and diagnostic testing.

More Information
Specialist Consultations, Pathology, X-Rays, Diagnostic Tests, Physiotherapy:

Physio limited to £500 per policy year
MRI/CT/PET Scans:

Cancer benefits

Includes a wide range of benefits from initial consultations and diagnostic tests, through to cancer drugs and therapies.

More Information
Reasonable and Customary Consultations and Specialist Fees:
Diagnostic Tests and Scans:
Cancer Drugs and Therapy:
Biological Therapies ('super drugs'):

(Reviewed after 12 months)
Radiotherapy and Chemotherapy:
Palliative Treatment:
Up to £10,000
(during the lifetime of the plan)
Wigs:
Up to £300
(during the lifetime of the plan)
External Prostheses:
Up to £5,000
(during the lifetime of the plan)

Other benefits

More Information
Private ambulance between hospitals:
NHS Cash Benefit:
£100 per day/night
(Up to 30 days/nights per policy year)
NHS Cancer Cash Benefit:
£300 per day/night
(Up to 30 days/nights per policy year)

Key limitations

More Information

Here are some of the key exclusions on the plan:

Chronic conditions
Pre-existing conditions which have occurred before joining the plan (unless agreed at time of joining)
Routine GP visits
Normal pregnancy and childbirth
Cosmetic surgery
Alcoholism, drug abuse and other addictive conditions
Regular renal dialysis
Self-inflicted injury
HIV, AIDS and related conditions
Preventative treatment
Unlicensed drugs
Experimental or self-referred treatment
Hazardous pursuits and some sports injuries
Some types of dental treatment
Treatment at facilities not owned and run by the Spire Group

Your Nearest Spire Hospital

The inSpire Private Medical Insurance Plan is designed to provide you with medical benefits at Spire Healthcare hospitals throughout the UK. Please note that if you use a hospital outside of the Spire Healthcare network, your costs may not be covered in full. You should also be aware that all Spire hospitals are different and some medical procedures, including paediatrics, may not be available at your nearest Spire hospital.

Your Underwriting Choice

Your quote is based on Moratorium underwriting. This means any medical issues you have experienced or had symptoms of, at any time in the 5 years prior to the start of cover will not be covered – until you remain 2 consecutive years from the start date completely clear of symptoms, tests or medication for the condition or anything relating to it.

We can also offer Full Medical Underwriting and Continued Personal Medical Exclusions underwriting – however, you’ll need to call our Customer Services Team on 0800 470 4595 to apply by these methods.

Your Summary

Please check the details below are correct as they will be used to form the basis of your policy.

Monthly Cost:
(annual equivalent )

Including insurance premium tax (IPT) at the current rate

Excess Amount:
£100 Excess £250 Excess £500 Excess £1000 Excess
People to be covered:
Address:
Postcode:
Telephone:
Email:
Proposed start date:

Eligibility

To be eligible for this policy you must:

  • • Be registered with a UK GP for at least 12 months
  • • Be a UK resident that has lived in the UK for at least 12 months
  • • Not receive payment for taking part in sports

I confirm I meet this criteria.

Declaration

Acceptance of terms

I hereby apply for insurance with the Insurer for those shown on this application. By clicking Apply, I agree to be bound by the terms and conditions contained in the policy document. I understand this application is subject to written acceptance by APRIL UK. Cover will commence once approved and accepted by APRIL UK at which point any special terms relating to my cover will be highlighted. APRIL UK reserve the right to decline any application.

I declare to the best of my knowledge and belief that the statements made in this application form, and any supplementary information provided as part of this application are accurate, honest and complete.

Cancellation

You have a statutory right to cancel the policy within 30 days of the policy start date. Cancellations can be sent in writing to: APRIL UK, April House, Almondsbury Business Centre, Bradley Stoke, Bristol, BS32 4QH. Or by email: enquiries@april-uk.com. Or by telephone: 01454 619500 (Monday to Friday, 8am – 5pm, excluding public holidays).

Policy renewal

Your policy will be arranged for 12 months from the start date on your Certificate of Registration. Before the end of your policy year, we will contact you to tell you the terms the policy will continue on, if the policy is still available. We will renew the policy on the new terms unless you ask us to make changes or tell us that you wish to cancel.

Complaints

If you would like to complain, please click here for more information on complaints procedures.

Data Protection Act 1998

I confirm and agree that information about me/us and this application form may be retained on paper and computer by APRIL UK and used:

a) By Arch Insurance Company (Europe) Limited and other businesses that provide insurance services relating to the policy as may be necessary for the administration of my policy and dealing with our claims under my/our policy. I agree that it may be necessary for Arch Insurance Company (Europe) Limited to obtain and use sensitive personal information about me.

b) To provide information about me/us (whether provided in the application form or any claim form) to other insurers for the prevention of fraud.

Confirmation

I confirm:

  • I have read the above declaration
  • I have read the policy document and summary
  • I would like to be kept up to date with special offers, latest news and competitions from the APRIL Group by mail, phone, email or text.

Payment Frequency

Your premium is: per month per year

Including insurance premium tax (IPT) at the current rate

To pay by Direct Debit you confirm that:

  • • You are the policyholder
  • • You are authorised to set up Direct Debits on this account
  • • This account does not require more than one person to authorise Direct Debits

Please click yes to confirm

You can still apply for this policy, however you will need to call us on 0800 470 4595.

Payment Confirmation

Your premium is: per month per year

Including insurance premium tax (IPT) at the current rate.

You can pay for the plan by Direct Debit by providing your bank details below.

Direct Debit Details

Direct Debit Instruction and Guarantee

Before you continue please ensure that you have read the Direct Debit Guarantee

Please pay APRIL UK (Insurance Service) Ltd Direct Debits from the account detailed in this instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this instruction may remain with APRIL UK (Insurance Service) Ltd and, if so, details will be passed electronically back to my Bank/Building society. Bank and Building Societies may not accept Direct Debit instructions for some types of account.

Thank You

Thank you for choosing APRIL UK!

Thank you for your application for the inSpire Private Medical Insurance Plan.

 

What happens next?

Shortly, you will receive an email confirming your policy details. Please check the information carefully and contact us if you have any questions. We’ll also give you a courtesy call to ensure you are happy with the policy chosen. If we are unable to contact you we will continue to process your policy as standard.

We will now process your application and this can take up to 4 working days. Once your application has been accepted, we will email you your Certificate of Registration and Welcome Documents, confirming that your policy has been set up.

Once again, thank you for choosing APRIL UK!

 

Direct Debit Information

This completes the set-up of your Direct Debit instruction and confirms the set-up of your inSpire private medical insurance plan.

Confirmation of the instruction will be sent to you within 3 working days, or be received by you no later than 10 working days before the first collection or by mail or by email if you have requested us to use this method.

Below is the Direct Debit Guarantee for your information.

The Direct Debit Guarantee

  • This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.
  • If there are any changes to the amount, date or frequency of your Direct Debit, APRIL UK (Insurance Services) Ltd will notify you 3 working days in advance of your account being debited or as otherwise agreed. If you request APRIL UK (Insurance Services) Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request.
  • If an error is made in the payment of your Direct Debit, by APRIL UK (Insurance Services) Ltd or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society. If you receive a refund you are not entitled to, you must pay it back when APRIL UK (Insurance Services) Ltd asks you to.
  • You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.

Need help with this quote call 0800 470 4595

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APRIL UK is a trading name of APRIL UK (Insurance Services) Ltd (registered in England No 3179382), who is authorised and regulated by the Financial Conduct Authority, registration number 308655.