Medical Recovery Insurance

Cash Benefits Linked To Your Recovery Time

Should you need an operation that requires a period of recovery, then our plans are there to help by paying you cash benefits linked to the normal recovery time of your operation.

Some common examples of operations and the benefits that you would receive are as follows:
Examples of Common Operations and Medical Recovery Insurance Benefits

Operation Classifications   Level 1 Level  2 Level
Medical procedures which have a recovery and return to light manual work in a few days

Accident and Emergency:  Surgery to the eye muscles and lens, Surgery to the eardrum and ear canal, Gum surgery.

Elective Surgery: Carpal tunnel release, Treatment for cataracts, Removal of the Tonsils, Angioplasty, Heart pacemaker insertions, Treatment for kidney stones, Key-hole surgery.

£150 £250 £350 £500
Medical procedures which have a recovery and return to light manual work in around two to three weeks

Accident and Emergency: Appendix removal, Open surgery to the windpipe, Surgery to the nose, jaw or mouth, Treatments for dislocated joints.

Elective Surgery: Hernia repairs, Varicose vein surgery, Prostate gland surgery, Breast lumpectomies, Lip and Ear reconstructive surgery, Radiotherapy.

£500 £750 £1,000 £1,500
Medical procedures which have a recovery and return to light manual work in around one to two months

Accident and Emergency: Treatments for fractures of larger bones, Tendon or muscle repair procedures such as knee ligament repairs, Reconstructive surgery to the eye, Brain surgery.

Elective Surgery: Hip and knee replacements, Treatment for slipped discs, Most open surgery to the abdomen, Abdominal hysterectomies, Surgery to the inner ear, All open chest surgery, Reconstructive breast surgery, Chemotherapy.

£2,000 £3,000 £4,000 £6,000
Medical procedures which have a prolonged recovery.

Accident and Emergency: Complicated limb or joint reconstruction, Treating fractures by traction, Limb amputations.

Elective Surgery: Major cancer surgery, Bone and spine fusions, Pancreatic surgery, Liver, heart and lung transplants.

£5,000 £10,000 £15,000 £20,000
Cancer Treatments and Heart Attacks Level 1 Level 2 Level 3 Level 4
Course of Chemotherapy In addition to your surgery benefit, Medical Recovery Insurance pays an additional benefit for each course of chemotherapy for Cancer £2,000 £3,000 £4,000 £6,000
Course of Radiotherapy

In addition to your surgery benefit, Medical Recovery Insurance pays an additional benefit for each course of radiotherapy for Cancer.

£500 £750 £1,000 £1,500
Heart Attack

A heart attack which requires an admission to hospital and results in permanent damage to the heart muscle.

£2,000 £3,000 £4,000 £6,000

Our Schedule of Procedures lists all operations and medical procedures covered by Medical Recovery Insurance and determines which benefits are payable for each procedure


All recovery times are based on the expected return to work of a healthy adult who is motivated to return to work. Light manual work would involve lifting and handling only small items mostly weighing less than 1-2kg. It could also include production line work assembling small items, phone or computer repair work, handling small parcels and letters, and general administration including filing, use of computers and telephones, some shop work, and driving.

Workers who have varied roles would be expected to have some adjustments to avoid heavier manual work, reaching or stretching,  and could work mostly sitting rather than prolonged walking and standing