You are eligible to apply for cover if you are aged 16-65 and a permanent resident in the UK. (When a policyholder reaches 66 years of age, cover will continue).
No. Cash Plan benefit schemes protects members from the increasing costs of ‘everyday’ healthcare. It can be used on its own or as a complementary addition to PMI.
No. Your application form simply contains a declaration of good health. If you have an existing condition (except optical or dental) then you’ll be asked to complete a health declaration.
X If you have a medical condition for which you are receiving or expecting to receive a consultation or treatment – this will not be covered.
X If you have a medical condition for which you have attended or received medical care within the twelve months prior to applying for – this will not be covered.
√ Pre-existing medical conditions are covered for optical and dental benefits.
The length of qualifying period depends on the plan, the level of cover and the benefit you are claiming.
You don’t have to be ill to be able to claim. Your plan is available to maintain good health, taking regular health checks and treatment. The plan provides you with the means to seek early diagnosis and treatment of health conditions before they get any worse.
Claiming is easy. Once you have received treatment that is covered simply complete a claim form and send it direct to your healthcare provider.
For all treatments received, you will need to provide an official headed receipted account clearly stating the name and address of the professional and details of the patient, the type of treatment that was received, the date treatment was received and the amount paid for treatment.
For hospital claims, you will need to have the claim form filled in by the hospital clearly stating the admission and discharge date and have this stamped on the relevant part of the claim form.
Your healthcare claim will normally be processed within 5 working days, paid directly into your bank account by Direct Credit or in the form of a personal cheque to your home.
We would advise that you submit your claims for treatment received as soon as you have completed your treatment to ensure it is processed quickly.
Claims will normally be accepted for treatment received up to 6 months after the date of care.
In order to help protect the interests of customers, you are required to receive diagnosis or treatment from a fully qualified GP, Consultant or Practitioner who is registered with, or a member of, the relevant professional body.
It is possible to arrange cover for your partner and dependent children.
Decide which level will meet your needs. The health care plans we offer are very flexible, you can change to a higher or lower level if your situation changes in the future (this is subject to the terms and conditions of the plan).
There is no limit. You can stay a policyholder for as long as you require medical insurance cover.
Yes, you have the right to cancel at any time. Your policy also contains a 14-day cooling off period from the date the application is accepted. If you change your mind during this time, providing you have not made or intend to make a claim, you will receive a full premium refund.
If you have any questions or would like any more advice on our medical insurance cash plans, phone our health insurance advisers for free on 0800 083 0706.