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We recognise that everyone has different needs and that circumstances can change over time. That’s why with Your Choice health insurance, we offer a menu of cover options so that you can create a package of health protection for you or your employees. You build your health plan depending on how much cover you feel you require and how much you want to spend. We offer NCVO UK members comprehensive and flexible health plans for individuals and groups within the following NCVO membership categories; Voluntary & Community Organisations, Public Sector and Universities. So whatever you’re looking for we’ll have the right cover to suit you.

The Essential plan is the core, compulsory part of Your Choice. It provides hospital in and out-patient or day patient treatment to cover:
  • Surgical and medical admissions and related hospital charges
  • Consultants'/specialists' fees
  • Surgeon and anaesthetists’ fees
  • Specialised scans (e.g. MRI/CT/PET and other special scans)
  • Post-operative consultations, investigations, tests and physiotherapy
  • Pre-operative tests
There are also benefits for:
  • Private road ambulance – up to £250 per person
  • Nursing at home or convalescence benefit
  • Parent accommodation
  • NHS cash allowance – £150 per day/night up to 28 days/nights

Additional cover is available as follows:

Heart & Cancer covers hospital charges, heart surgery, prosthesis and valves, rehabilitation, cancer related surgery, endoscopies, radiotherapy and chemotherapy, and supporting medications, hospice care, counselling and palliative care. Cover begins after a confirmed diagnoisis. Therapy & Care offers cover for a range of traditional, complementary and alternative therapies with a qualified specialist. Includes physiotherapy, osteopathy, acupuncture, sports therapy and others.
Expert Diagnostics includes out-patient consultations with a registered consultant or specialist, investigations and tests and £1000 per person per year for out-patient psychiatric consultation and counselling. Cash Benefits helps alleviate the occasional costs of everyday healthcare expenses with cash back to help pay towards treatment for dental, optical and health screenings. Choose from 4 levels of cover from £50 to £200 per benefit.

Further Information
Click below to request further general information about individual or group cover.

Special Offer
Enter promotional code 277 when you request a quote online for individual cover to receive your first 2 months FREE.


“You were wonderfully supportive at a time when we were in desperate need of advice and help urgently. My wife and I are most grateful.”

Mr P Perris, CS Healthcare member

“I’m very pleased with the service. Pleasant and friendly, unlike a lot of the big, impersonal service you experience with many large companies.”

Mr G Harness, CS Healthcare member