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Providing you with an advanced level of cover and the benefits of private healthcare, our Islands Plus Healthcare cover gives you and your family a high level of cover for both in-patient and out-patient treatment, making sure you're covered for a variety of situations.

Islands Plus Cover Benefits

Delivering excellent cover for you and your family.

All of our comprehensive benefits and beyond, giving you a wide scope for your health insurance policy.

Child in hospital bed with nurse sitting on bed, holding a teddy bear.

Enhanced Out-Patient Limits

With our Islands Plus cover, enjoy limitless out-patient cover for consultations and specialist fees, plus increased coverage for complementary therapies.

Get exceptional care beyond day cases!

Islands Plus

Additional Benefits

Discover the protection of Islands Plus! Enjoy extra cash and medical benefits, hospice care for cancer treatment, personal accident and critical illness cash benefits, plus an increased life cash benefit.

Explore why thousands trust us.

Islands Elite

Keeping on Top of the Little Things

Enjoy excellent coverage for hospital charges, support for parents with sick children, and emergency medical cover outside the UK and Channel Islands.

Get the most out of your coverage.

Private Health Insurance Benefits

All of our health insurance products come with the following, ensuring a great level of standard cover.

In-patient Health Benefits
  • Accommodation, nursing care, surgeon and anaesthetist fees
  • Theatre costs, intensive care costs, drugs, dressings and consumables
  • Diagnostics including MRI, CT and PET scans
  • Physiotherapy
  • Oro-surgical operations and procedures
  • Treatment for cardiovascular conditions
Out-patient Health Benefits
  • Initial & Subsequent MRI, CT, PET scans
  • Consultation and specialist fees, including associated diagnostics and out-patient surgical procedures
  • Consultation charges made by your Islands GP or Emergency Room
  • GP minor surgery charges made by your Islands GP or Emergency Room
  • GP referred Ultrasounds and X-Rays
  • Physiotherapy
  • Complementary therapies
  • Treatment for cardiovascular conditions
  • Mental health counselling/therapy
Other Benefits Include:
  • Treatment for Cancer
  • Hospital cash benefit
  • Health and wellbeing services
  • 24 hour GP advice line / GP video consultation appointments
  • Private ambulance transportation costs
  • Travel costs for treatment to another Bailiwick or the UK
  • Travel costs for parent or qualified nurse accompanying a child for treatment to another Bailiwick or the UK
  • Accommodation costs for parent or qualified nurse accompanying a child for treatment to another Bailiwick or the UK
  • Lifestyle Rewards 

Further Benefits With General & Medical Healthcare

Our Channel Islands Healthcare plans include a range of other useful benefits and services, to support the health of you and your family.

24 Hour GP Advice Line access, allowing you to speak to a doctor at a time to suit you

Health & Wellbeing Services - including access to the Wisdom App

Only pay for the first child on family plans, all other children are covered for free!*

Fast access to treatment at a wide range of hospitals across the UK

Choice of options and upgrades, allowing covers to be tailored to your unique needs

Exclusive Lifestyle Rewards discounts and benefits programme for a wide range of brands

* Applies where children are included as dependants within an adult’s policy only, and any child selected for the pre-existing condition upgrade will be charged at our full child rate plus the upgrade supplement.

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© 2024 General & Medical Insurance Ltd. Registered in Guernsey No 43984. General & Medical Insurance Ltd are authorised and regulated by The Guernsey Financial Services Commission. Our GFSC Reference is 1028569 and this may be checked at www.gfsc.gg