Our products

Sant? by is our award-winning private medical insurance product, designed with the needs of small-to-medium companies (SME) in mind. Sant? is only available through a select panel of brokers and intermediaries.

Sant? by offers a choice of four levels of cover. The benefits in Section 1 provide the basics of medical insurance with cover for inpatient and outpatient treatment, home nursing, private ambulance, an NHS cash benefit and access to an advice and counselling helpline service. All group schemes must contain Section 1 benefits as a minimum level of cover.

Sant? by also offers two sets of optional benefit packages - Section 2 and Section 3 - and a selection of medical and non-medical add-ons that can be purchased in addition to the Section 1 benefits.

There is also a choice of two hospital bands, London and provincial and a range of excess and co-insurance options.

The core benefits of Sant? by are:

• Specialist fees - full refund
• Hospital charges - full refund
• Outpatient treatment on GP referral - ?750
• Outpatient treatment on specialist referral - full refund
• Home nursing - full refund
• Private ambulance - full refund
• NHS Cash benefit - ?150 per night (unlimited nights)

An individual product, Sant? for You, is also available.