Individual/Family Plan

The IFL Signature Plan will cover up to five dependent children under the age of 18 at no extra cost.

Looking after your eyesight is important which is why we give you an Optical cash benefit to visit any optician of your choice for eye tests, glasses and contact lenses. Even laser eye surgery is covered. You may never need to pay eye care bills yourself again!

Healthy teeth not only look good, they are vital for one of your body's primary functions - eating. You need them to last as long as possible and also to protect your smile! This is why it is important to look after them with regular trips to the dentist. Whether your dentist is NHS or Private, your bills will be fully covered up to your policy maximum.

If dental treatment is required as a result of an impact accident this extra cover is provided so you don't end up out of pocket by using your routine dental treatment benefit.

If you damage your dentures as a direct result of an accidental impact the IFL Signature Plan lets you use the Accidental Damage benefit to pay for repairs. For repair claims other than through damage by accidental impact you can use General Routine Treatment benefit - unlike most other plans on the market.

If you are referred by your GP to see a Specialist you may choose to go privately rather than on the NHS. This plan will cover the costs of your consultations and tests - even if your symptoms existed before you joined! You don't even have to worry about outlaying any cash either as the insurer pays most bills directly.

Therapies help with pain relief and with the treatment of injuries. Physiotherapy, osteopathy, chiropractic, acupuncture, reflexology, homeopathy and all other recognised therapies are covered. The IFL Signature Plan will cover the costs for you - even if you had the aches and pains or injury before you joined! You don't even have to worry about outlaying any cash either as the insurer pays most bills directly.

The birth or adoption of a child always brings extra expense. You will receive a generous cash payment on this event when you have been a member for twelve months.

A stay in hospital can not only result in a loss of income but can also cause unexpected expenses such as taxi fares or car parking, phone calls and even TV hire. This benefit will pay you cash for up to 50 nights in hospital for a new condition after the time of joining.

This benefit will pay you cash to help with unexpected costs such as taxi fares, car parking, phone calls etc or simply the 'inconvenience' should you have to go to hospital for day-case surgery for a new condition after the time of joining.

With IFL Signature Plan you automatically qualify for an additional cash payment if you are hospitalised for over 14 nights for a new medical condition which may occur after the time of joining.

If you need convalescence at home after a hospital stay, the IFL Signature Plan will help you to fund a home help for a new medical condition which may occur after the time of joining.

An IFL Signature Plan will help with the cost of purchase or repairs of hearing aids.

There is help towards the cost of surgical appliances such as elastic hosiery, surgical corsets, surgical wigs, mastectomy bras, etc. The IFL Signature Plan helps with the cost of these purchases.

The IFL Signature Plan covers every adult member, joining before the age of 65, for accident insurance and accidental death benefits.

The IFL Signature Plan help line is manned by a team of professional counsellors available 24 hours a day seven days a week. This benefit gives you personal support for any legal, financial or medical matters including identity theft, and offers counselling for family issues and bereavement.