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Universal Provident's aim is simply to provide affordable, effective health related insurance in a straightforward manner. A comprehensive product range means that whether you are concerned with looking after yourself and your family, or a business keen to enhance the benefits available to your employees, there is a scheme that is right for you.

Universal Provident has been in the business of health related insurance since 1994, and our experience has shown that flexibility is paramount to being able to provide the right product every time. Our accommodating and innovative approach means that products can be tailored to meet your specific requirements.


List of products available for individuals and corporate clients

Cover for Individuals Employee Benefits Specifications
Choices Choices
A modular private medical insurance product that can be tailored to suit an individuals needs.
Oasis Oasis Corporate
A combined health policy providing cash benefit for serious illness, surgical procedures and hospital stays.
LivingCare LivingCare
Continuous financial support to help with living with a disability.
DentalCare Group DentalCare
Cover for emergency and non-emergency dental treatment.
TravellersCare TravellersCare
Annual multi-trip travel insurance.
IncomeCare  
Monthly benefit in the event of accident or sickness.
MortgageCare  
Monthly benefit in the event of accident, sickness or unemployment.


The products we offer

Choices
Choices is Universal Provident’s private medical insurance product which gives you the power to choose the benefits that suit you and your needs. We have taken the benefits of traditional private medical insurance, added some extra benefits and broken them down into convenient modules, with each module being individually priced – so you are not only in control of the benefits you choose, but also the overall price of your cover. Choices is available as cover for both individuals and corporate groups.

Oasis
Oasis is a new approach to health related insurances, combining serious illness, major medical expenses and a hospital cash benefit. Premiums are based on the age of each adult to be insured, together with their smoking habits. Children can be added at no extra cost.

LivingCare
Living with a disability or impairment can be difficult and costly. LivingCare is designed to help with the costs of on-going care following such a life affecting disability or accident. Up to £20,000 a year is payable in the event that you cannot carry out activities of daily living (including mobility, dressing, feeding and personal hygiene) or suffer mental impairment. Benefits will continue as long as the disability, possibly for the rest of your life. Benefits under LivingCare are index linked, and once a claim has started premiums will be waived for the duration of the claim.

DentalCare | Group DentalCare
Dental treatment can be expensive, whether provided privately or on the NHS, but whichever way you choose to arrange your treatment, DentalCare provides cover for both emergency and non-emergency care. Premiums have been kept at an affordable rate by restricting cover so that we do not pay for routine check-ups or replacement fillings, but there is generous cover for many other treatments, including root treatment, new fillings, extractions and dentures.

TravellersCare
A comprehensive annual multi trip travel insurance that includes cover for winter sports and scuba diving at no extra cost. Suitable for personal and business use, TravellersCare provides cover for a wide range of benefits including medical expenses, compensation for cancellation and curtailment and loss of personal baggage.

IncomeCare
Being able to cope financially in the event of accident or sickness can be yet another worry. IncomeCare is a value for money option that pays monthly benefits for up to a year if you are unable to work as a result of sickness or an accident. After an initial deferred period of 30 or 90 days, monthly benefits are payable up to £1,800 or 60% of gross monthly income, whichever is the lower.

MortgageCare
MortgageCare is a mortgage repayment protection policy that pays monthly benefits for up to a year if you are unable to work as a result of sickness, accident or unemployment. You are free to choose whether the policy will cover your inability to work as a result of accident and sickness only, unemployment only or accident, sickness and unemployment. After an initial deferred period, you will receive your chosen monthly benefit for up to a year, for any qualifying claim. MortgageCare can provide for monthly benefits up to 25% more than the monthly mortgage repayment amount (to a maximum of £1,800), or 75% of gross monthly income, whichever is the lower, and is a cost-effective way to safeguard your ability to meet your regular commitments - whatever life throws at you.


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