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Hospital Plan Hero
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Hospital Plan

When you need to go to the hospital, we pay you cash, so you can focus on getting better.

  • Cash payouts for hospital overnight stays, outpatient visits and day surgeries
  • Paid to you, to spend as you choose
  • Covers pre-existing conditions
Build your Hospital Plan
30-day cooling-off Cancel anytime

What's covered

Cover for the unexpected

All illnesses, accidents, and sports injuries are covered

Pregnancy and childbirth

Pregnancy related treatments and childbirth are included

Pre-existing conditions

Cover includes all pre-existing conditions after 3 months

Up to 2 years of cover

Cover up to 2 years for each ongoing inpatient or day-patient surgery claim

Double first-night payout

Get extra financial support when your hospital treatment begins

What's not covered

Self-infliction

Attempted suicide or any self-inflicted injury

Alcohol or drugs

When the claim is caused by alcohol consumption or non-prescribed drugs

Criminal acts

When the claim is due to participating in any unlawful act

War or terrorism

If injury or death is caused by war, terrorism, civil commotion or nuclear risks

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

Extra plan options

Recovery Plan icon

Recovery Plan

Get support when recovering at home after hospital.

Add family icon

Add your loved ones

Add your partner and children to your Hospital Plan.

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Did you know

We assess 98% of claims within 48 hours

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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.

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Customer 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.

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