Pre-existing conditions
Cover includes all pre-existing conditions after 3 months, ensuring everyone is protected
Hospital Plan
When you need to go to the hospital, we pay you cash, so you can focus on getting better.
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Cash payouts for hospital overnight stays, outpatient visits and day surgeries
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Paid to you, to spend as you choose
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Covers pre-existing conditions
30-day cooling off
Cancel anytime
Extra plan options
Recovery Plan
Get support when recovering at home after hospital.
Add your loved ones
Add your partner and children to your Hospital Plan.
Hospital Plan
When you need to go to the hospital, we pay you cash, so you can focus on getting better.
-
Cash payouts for hospital overnight stays, outpatient visits and day surgeries
-
Paid to you, to spend as you choose
-
Covers pre-existing conditions
30-day cooling-off
Cancel anytime
What's covered
2 hospital outpatient appointments per year
Cover for scans, consultations, or follow-ups at a hospital
Up to 2 years of ongoing cover
We’ll support you for up to 2 years per claim for inpatient treatments or day-patient surgeries.
Double first-night payout
For your first night in hospital when your treatment begins for any new claim
Pregnancy treatments and childbirth
Pregnancy related treatments and childbirth are included
Worldwide coverage
No matter where you have hospital stays, day surgeries, our outpatient treatments, we got your back.
What's not covered
Self-infliction
Injuries caused by attempted suicide or any self-inflicted harm
Alcohol or drugs
Alcohol and non-prescribed drugs related conditions
Non-medical reasons
Surgery or treatment for non-medical reasons
Pregnancy of a covered child
The pregnancy or pregnancy-related conditions for children on your plan
Limitations
Age limits
Cover ends on your 70th birthday, or 18th birthday for an eligible child
NHS hospital limitations
The NHS community hospital must be within the United Kingdom
Inpatient treatment limitations
Inpatient treatment for mental health conditions, Alzheimer’s Disease and Dementia is limited to 20 nights of cover every 12 months
Additional benefit entitlement
Days added for claim free periods will be reduced by the number of days made in any subsequent claim
No fine print
We keep things simple and transparent - no confusing terms, no fine print, and no surprises. Just clear information so you can count on when you need it most.
What's covered
Pre-existing conditions
Cover includes all pre-existing conditions after 3 months, ensuring everyone is protected
2 hospital outpatient appointments per year
Cover for scans, consultations, or follow-ups at a hospital
Up to 2 years of ongoing cover
We’ll support you for up to 2 years per claim for inpatient treatments or day-patient surgeries.
Double first-night payout
For your first night in hospital when your treatment begins for any new claim
Pregnancy treatments and childbirth
Pregnancy related treatments and childbirth are included
Worldwide coverage
No matter where you have hospital stays, day surgeries, our outpatient treatments, we got your back.
What's not covered
Self-infliction
Injuries caused by attempted suicide or any self-inflicted harm
Alcohol or drugs
Alcohol and non-prescribed drugs related conditions
Non-medical reasons
Surgery or treatment for non-medical reasons
Pregnancy of a covered child
The pregnancy or pregnancy-related conditions for children on your plan
Limitations
Age limits
Cover ends on your 70th birthday, or 18th birthday for an eligible child
NHS hospital limitations
The NHS community hospital must be within the United Kingdom
Inpatient treatment limitations
Inpatient treatment for mental health conditions, Alzheimer’s Disease and Dementia is limited to 20 nights of cover every 12 months
Additional benefit entitlement
Days added for claim free periods will be reduced by the number of days made in any subsequent claim
Build a plan that fits your life
Get £25 per
overnight stay
For one week inpatient you'd get £200, as we double first night's payout.
Get cover
for £9.97 / month
Get £50 per
overnight stay
For one week inpatient you'd get £400, as we double first night's payout.
Get cover
for £19.95 / month
Most popular
Get £75 per
overnight stay
For one week inpatient you'd get £600, as we double first night's payout.
Get cover
for £29.90 / month
Get £100 per
overnight stay
For one week inpatient you'd get £800, as we double first night's payout.
Get cover
for £39.85 / month
Get £125 per
overnight stay
For one week inpatient you'd get £1,000, as we double first night's payout.
Get cover
for £49.79 / month
Extra plan options
Recovery Plan
Get support when recovering at home after hospital.
Add your loved ones
Add your partner and children to your Hospital Plan.
Did you know
We assess 98% of claims within 48 hours
Did you know
We assess 98% of claims within 48 hours
Talk to an expert ?
Unsure which cover is right for you? Share your number, and one of our experts give you a quick call, no pressure, no obligations.
Talk to an expert
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We are here to help
I already have cover elsewhere. Why do I need PG Protect?
PG Protect works alongside any existing cover you have. Our plans provide cash payouts directly to you, giving you additional financial support on top of your current policy. Whether it's extra help with bills, groceries, or other unexpected costs, it's your money to use as you see fit.
I already get sick pay. Why do I need this?
Sick pay may give you a reduced income, but it may not cover extra costs like travel, parking, or bills. Our plans can help with these and can be claimed even if you're on full pay.
I have pre-existing conditions. Will these be covered?
If you have pre-existing conditions, they won't be covered immediately when you join but will be covered after a qualifying period. New conditions are covered immediately. For full details on what conditions apply, visit the Hospital and Death Plan pages to see what is covered. If you are uncertain on what is covered call our Customer Relations Team to find the best plan for your needs.
Need support?
Need support?
Send us an email or call our Customer Relations Team at 0800 542 5930.
Lines are open Mon-Fri 8:30am-5:30pm.