Pre-existing conditions
Cover includes all pre-existing conditions after 3 months, ensuring everyone is protected
From £9.97 per month
Hospital Plan
When you need to go to hospital, we pay you cash so you can focus on getting better.
- Up to £1,000 cash payout for a one-week hospital stay
- Covers pre-existing conditions after 3 months
- Double first-night payout on every new claim
- Outpatient visits and day surgeries included
- Optional Recovery and family add-ons available
- Pregnancy treatments and childbirth covered
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
Support when life takes an unexpected turn
When an accident or illness happens, the bills don't stop.
Hospital treatment often comes with unexpected expenses. The Hospital Plan pays a cash benefit during eligible hospital treatment.
Importantly, payment isn't linked to whether you're working. Whether you:
- Take time off work
- Return straight back to work
- Continue working around treatment
The benefit will still be payable if your treatment qualifies.
Most people don't think about it until it happens
Hospital Treatment
Nobody expects to need hospital care, but millions of people attend hospital every year.
Unexpected Costs
Travel, parking, childcare, household bills and everyday expenses continue regardless.
Family Financial Pressure
Families can face immediate costs and financial uncertainty at an already difficult time.
We assess 98% of claims within 48 hours
Hospital treatment can bring extra costs, even if your care is free
Cash support can help reduce the pressure of unexpected costs while you focus on treatment and recovery.
Lost Income
Travel
Parking
Household Costs
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
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
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
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.