Policy Summary

As with all insurance policies, there are some Key Facts we need to draw your attention to so that you can make an informed decision that best matches your needs.

This contains a summary of the policy terms and conditions. Learn more:


XS health Policy Summary Guide to your Policy
Policy Summary Guide to Policy

FSA Keyfacts

Benefits Cover Notes
In-patient & Day-patient Treatment
Hospital Treatment Covered  
Specialists´ Fees 1 Covered In line with customary & reasonable fees whilst in hospital
Diagnostic Tests Covered Such as blood tests, ultrasound & x-rays
Diagnostic Scans Covered MRI, CT & PET scans only
NHS Cash Benefit Covered £100 for each day-patient admission OR for each night spent as an in-patient admission, maximum £3,000 per policy year
Psychiatric Treatment Not covered  
Out-Patient Treatment
Consultations with a Specialist 1 Covered In line with customary & reasonable fees
Diagnostic Tests Covered Such as blood tests, ultrasound scans & x-rays
Diagnostic Scans Covered MRI, CT & PET scans only at the request of a specialist
Physiotherapy (and other therapies) 2 Covered  
Psychiatric Treatment Not covered  
Out-patient Procedures 1 Covered In line with customary & reasonable fees
Pre-admission Tests Covered In the 2 weeks prior to your operation
Cancer Treatment 3
Consultations with a Specialist Covered  
Radiotherapy/Chemotherapy Covered  
Advanced Therapeutics 4 Covered Advanced anti-cancer (targeted) treatment currently being introduced into clinical practice
NHS Cancer Cash Benefit Covered £200 for each day, maximum of £6,000 per person per policy year
Other benefits
Nursing at Home Covered Up to 4 weeks per person per policy year
Private Ambulance Transport Covered  
Parent and Child Covered Hospital accommodation charges
Prostheses Covered In-patient & day-patient only
Hospice Donation Covered £70 per day/night up to £700 per person per policy year

covered = Covered, once your excess limit has been reached.
Not covered = Not covered.

1. A guideline of customary and reasonable fees (formulated under clinical advice) is available here
2. Therapy includes Acupuncture, Chiropody/Podiatry, Chiropractic care, Homeopathy, Osteopathy and Physiotherapy.
3. Cancers will not be covered which are diagnosed or for which symptoms develop within the first 90 days of the policy commencing (new policyholders of WPA).
4. WPA will fund the use of advanced anti-cancer (targeted) treatments which are not available in the NHS with our prior approval.


What´s not covered

The benefit table above shows what is covered, but as with all insurance policies there are certain things that you are not covered for. For full details of what is not covered please refer to the section entitled "What is Not Covered" in ´Guide to Your Policy´. 

It is important to note that WPA´s XS health policy specifically excludes the following:



Your Rights

Duration of cover.
XS health is an annual contract of insurance and we will automatically offer to renew it and will send you the relevant information including any changes to the plan for the forthcoming year, at least 21 days before the contract expires.

Changing your mind.
When you join XS health, you will receive full details of the policy’s Benefits and Rules. Of course, we are sure you’ll be completely happy with your choice but if, for whatever reason, you are not entirely satisfied you have the right to cancel your plan provided you notify us within 14 days of receiving your policy documents (or 28 days if you purchase online). If you do not exercise this right within the 14 or 28 day period then you are committed to the cover and premium for the rest of the cover period. If you wish to cancel during the notice period please write to us or e-mail pcd@wpa.org.uk

Easy to claim.
When you have joined XS health, any claims you make will be handled by our Private Clients Department who can be contacted on 01823 625230 or e-mail pcd@wpa.org.uk

If you are not happy.
If you have a complaint at any time, you should write to The Director of Best Practice, WPA, Rivergate House, Blackbrook Park, Taunton, Somerset, TA1 2PE. Alternatively, you can e-mail directorofbestpractice@wpa.org.uk If you are still not totally satisfied, we encourage you to appeal to The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR (telephone 0845 080 1800).

Compensation scheme.
WPA customers are covered by the Financial Services Compensation Scheme (FSCS) which can entitle customers to compensation should an insurer become insolvent. Further information can be found at http://www.fscs.org.uk