I already have cover elsewhere. Why do I need Hapi Protect?

Hapi 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 plan. Whether it’s extra help with bills, groceries, or other unexpected costs, it’s your money to use as you see fit.

My partner has cover through their work. Do I still need this?

Our plans compliment cover your partner might have through their work. With Hapi Protect, payouts are made directly to you, giving you extra financial support for unexpected costs—whether it’s for household expenses, travel, or anything else.

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’m too young for Death Plan type of cover. Why should I consider it?

Health challenges don’t always come with warning signs, regardless of age. Our plans help protect you from the unexpected and give you or your loved ones one less thing to worry about.

Are there different levels of cover to suit my budget?

You should always be mindful of your budget limitations, we offer plans at a range of levels, so you can choose the one that fits your personal situation. You can adjust your cover over time as your circumstances change.

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 Hapiness Team to find the best plan for your needs.

Does it matter that I smoke or am an ex-smoker?

No, being a smoker or ex-smoker doesn’t affect your eligibility for Hapi Protect plans. Your lifestyle choices won’t impact your ability to join or the price you pay; our plans are here to support you regardless of your past or current habits.

I’ve been diagnosed with a specific condition. Does that matter?

A diagnosis won’t stop you from joining, but any existing conditions may not be covered immediately. Coverage for new diagnosis begins after the qualifying period outlined in your plan. If you’d like to know more about how your specific condition might affect your cover, our team are happy to help explain.

I’m on a zero-hour contract. Can I still join?

Absolutely, though you should always be mindful of your changing budget limitations. Our plans are designed to support people in all types of work, including those with flexible or irregular hours. You can adjust your level of cover at any time.

What’s the difference between inpatient, day patient, and outpatient?

Inpatient treatment means when an plan beneficiary is admitted to hospital/mental health facility for treatment of any condition for a full night stay or longer. They must be admitted to hospital/mental health facility before midnight, to be classified as an inpatient by the hospital/mental health facility and be discharged the following day after 6.00am to be able to claim for inpatient treatment. The inpatient treatment must begin after joining date.

Day patient surgery means where the plan beneficiary is admitted to hospital under the care of a consultant surgeon or consultant physician for: (i) a surgical procedure; (ii) a complex investigative or diagnostic procedure; or (iii) a complex drug infusion which can only be administered in hospital; and in all cases where a period of supervised recovery is required but a bed is not occupied overnight.

Outpatient treatment means advice, treatment, or consultation that a plan beneficiary receives from a hospital or specialist-led diagnostic/treatment centre, when referred by a General Practitioner or a consultant on the specialist register for a condition where they are classified as an outpatient which does not involve an overnight stay (excludes treatment at General Practitioners and Dental surgeries). Appointments can be in person, by telephone or video call.

I have appointments at NHS Community Hospitals, clinics, diagnostic centres, or treatment centres. Are these covered?

Yes, if your appointments are part of hospital treatment or diagnostics referred by a medical professional, they may be eligible for a claim. Coverage applies as long as the location and treatment meet the conditions of your plan. Feel free to contact us for specific details about your circumstances.

Is there a medical?

No medical is required to join our plans. We believe protection should be simple and accessible, so your health history won’t prevent you from joining. Your plan’s terms will outline what is covered and any applicable waiting periods for claims related to existing conditions.

Does this cover GP appointments?

No, GP visits aren’t covered. However, if your GP refers you for diagnostics or treatment at a hospital, you may be able to claim.