1 Are you buying private medical insurance? Take a look at this guide before you decide 2008
2 2 Private medical insurance
3 Private medical insurance 3 Contents 1 About this guide 4 2 What is private medical insurance? 5 3 How do I buy private medical insurance? 6 4 Will I need to give details about my health? 7 5 How do I choose the right cover? 8 6 What is and is not covered? 10 7 What if I have a disability? 11 8 Will my premiums (payments) increase over time? 12 9 What if I want to change to a new insurer? Points to remember How is private medical insurance regulated? 15
4 4 Private medical insurance 1 About this guide We have designed this guide to help you understand more about what private medical insurance (PMI) in the UK is, why people buy it, and how it works, so that you will be able to make an informed choice before you buy a policy. We publish this guide on behalf of all insurers who offer PMI, whether they are our members or not. The ABI is the recognised trade association that represents insurance companies working in the UK. Our members make up more than 90% of the UK s insurance business. As well as this guide, the information you receive from PMI companies will tell you more about the products that you are considering buying. They outline what is, and is not, covered. Remember that products from different companies will vary. If you have any questions, your financial adviser or insurance company will be able to answer them. Don t confuse private medical insurance with other types of insurance. Private medical insurance is often called health insurance, and can sometimes be confused with other types of insurance such as health cash plans, income protection and critical illness. We publish guides on these types of insurance if you d like to know more.
5 Private medical insurance 5 2 What is private medical insurance? Private medical insurance is designed to cover the costs of private medical treatment, for what are commonly known as acute conditions that start after your policy begins. Most insurers define an acute condition as a disease, illness or injury that is likely to respond quickly to treatment and aims to return you to the state of health you were in immediately before suffering the disease, illness or injury, or which leads to your full recovery. Your insurer can tell you about their cover for this and other conditions, such as cancer and chronic (long-term) conditions. Why buy private medical insurance? Most people buy this type of insurance to: be reassured, knowing that treatment is available quickly if they become ill or are injured; have a choice about when treatment will take place, the specialist who treats them and the hospital; and have the privacy of an en-suite room with a TV and other home comforts. How does private medical insurance work? Although policies can be different, medical treatment usually has to start with a referral by your GP to an appropriate specialist. Before you arrange any private treatment, you should call your insurance company to check that you are covered for the treatment. In fact, most insurers need you to do this. Stay in touch with your insurer at each stage of your treatment. Your insurer will confirm if you are covered. Treatments for some illnesses, including pre-existing conditions (conditions from which you are already suffering, or have already had) will not be covered by a private medical insurance policy (see section 4 of this guide). It is also important to remember that private medical insurance is designed to work alongside, not to replace, all the services offered by the NHS. Some services, such as accident and emergency, are not available at most private hospitals.
6 6 Private medical insurance 3 How do I buy private medical insurance? Private medical insurance is provided only by insurers and may be bought: direct from the insurer; through an independent adviser; or through an agent (bank, building society or retail outlet, such as a supermarket). You can apply for insurance: over the phone; face-to-face; using the internet; or by post. If you re using the internet, try searching under health insurance as well as medical insurance. An insurer, or an agent who sells policies on an insurer s behalf, is only able to discuss that insurer s own policies. An independent adviser offers policies from a range of insurers. Independent advisers give you recommendations after assessing your needs. They are responsible to you for the advice they give. If you buy direct from an insurer or an insurer s agent they will also assess your needs. But, they can only give you advice on which of their own policies best suits you. Your adviser must explain whether they are: independent; advising on a range of insurers; or a representative of one insurer. If you buy direct from an insurer or insurer s agent without receiving advice, it is your responsibility to choose a policy that is right for you. You will be asked to fill in an application, and will probably be asked for information about your health. Your application, or any declaration you make to your insurer, is very important. In fact, it forms the basis of your contract with your insurer. You must answer any questions you are asked as fully and as accurately as you can, to the best of your knowledge and belief. If you don t, your insurer may refuse to pay your claim and could cancel your policy. Once your application has been accepted you will be told when cover will start. Cancellation period Your insurer will send you policy documents when your policy has been set up. You have at least 14 days from the day you receive them to decide whether the product is suitable for you. If you want to cancel your policy, you must do so within the stated period and tell the insurer that you want to cancel your cover. If you have made any payments you will usually receive a full refund unless you have made a claim.
7 Private medical insurance 7 4 Will I need to give details about my health? You won t normally be covered for any illnesses you are currently suffering from, or have already had. These are known as pre-existing conditions. You must answer all questions as fully and as accurately as you can, to the best of your knowledge and belief. There are two main methods that PMI companies use to deal with your application for cover. These are: full medical underwriting; or moratorium underwriting. All PMI companies will offer you the full medical underwriting option. Only some companies offer the moratorium option. Full medical underwriting (medical history declaration) You are asked to give details of your medical history. The insurer may write to your doctor for more information, but they do not do so in every case. You must give all the information you are asked for. If you don t, your insurer may refuse to pay any claim that you make in the future, or may cancel your policy. If you are not sure whether to mention something, it is best to do so. If you have a medical condition that is likely to come back, the insurer will issue a policy, but that condition (and any related to it) might not be covered. This condition may never be covered, or not covered for a set period of time. Moratorium underwriting You are not asked to give details of your medical history. Instead, the insurer does not cover treatment for any medical or related condition that you have received treatment for, taken medication for, asked advice on or had symptoms of. In other words, you will not be covered for any condition that existed in the past few years. Five years is the usual time period. These conditions may automatically become eligible for cover. But this will only happen when you do not have symptoms of, or receive treatment, medication, tests and advice (from your GP, a healthcare professional or a specialist) for that condition, usually for a continuous period of two years after your policy has started. You do not need to tell the insurer about your medical history when you take out the policy. Your insurer might ask for medical notes that are needed to decide if your claim can be covered. There are some conditions, for example chronic conditions, that will probably never be covered. This is because you will always need treatment, medication, tests or advice for them. You should not delay getting medical advice or treatment, simply to get cover. Your insurer will give you information explaining how their moratorium works. You may also want to ask the insurer or adviser, to explain this.
8 8 Private medical insurance 5 How do I choose the right cover? You should check to see if you already have PMI cover. Some employers include PMI as part of their benefits package. Even a club or professional organisation might have arrangements to offer you (and your family members) cover at better rates. If this is not the case and you want to take out cover yourself, you need to think about what benefits are most important to you. When looking at cover, it is useful to know how much medical treatment costs, so you know how much cover to buy. There are lots of different sorts of policies, from low cost, offering limited cover, to those that offer wide-ranging cover and benefits. Most policies offer cover for inpatient and day-patient treatment, but not always outpatient treatment and diagnostic tests. You will need to decide what sort of cover you want. There are a number of things you will have to consider. How much do you want to spend? Do you want to pay for part of your treatment? Do you want your cover to include seeing a specialist and having diagnostic tests (for example, X-rays and blood tests) as an outpatient? Do you want a choice of hospitals, or would you be happy to have any treatment that you might need, in a hospital available from a limited range chosen by your insurance company? What am I not covered for? The answers you give to questions such as these, could have a significant effect on how much you pay (see section 8). The more your cover includes, the higher your premiums are likely to be. The following diagram is an example of how you might get healthcare.
9 Private medical insurance 9 Visit your GP Your GP needs to refer you for investigations or treatment. GP refers you to a specialist This usually includes initial consultations and diagnostic tests. Your specialist needs to refer you to hospital for more investigations or treatment. Outpatient treatment Start to claim If your policy includes outpatient treatment and your claim is eligible, you can claim after your GP has referred you to a specialist. Hospital This may be a private hospital or private facilities within an NHS hospital. After leaving hospital you will usually have a follow-up visit to your specialist. Follow-up visit Specialist consultation and a review of your treatment. Inpatient or Day patient treatment Outpatient treatment Healthcare is divided into the following groups. Outpatient A patient who attends a hospital, consulting room, or outpatient clinic and is not admitted as a day patient or inpatient. Day patient A patient who is admitted to a hospital or day-patient unit because they need a period of medically supervised recovery but does not stay in a bed overnight. Inpatient A patient who is admitted to hospital and who stays in a bed overnight or longer, for medical reasons.
10 10 Private medical insurance 6 What is and is not covered? Remember, private medical insurance is designed to cover treatment for curable, short-term illness or injury. These are called acute conditions. Some illnesses and treatments are rarely covered. PMI isn t designed to cover the long-term treatment of chronic conditions for a number of reasons. The private-hospital sector s main purpose is to treat conditions that can be cured, or mostly cured, quickly. A large part of the NHS s funding is to care for patients with long-term conditions. So, for example, patients with diabetes can go to clinics, be regularly monitored and have their insulin needs met. This will often happen locally, in a primary-care setting such as their GP surgery. As well as the practical reasons mentioned before, insurers also have to balance how much cover they provide with what you are willing to pay for that cover. So, insurers don t cover the treatment of long-term (chronic) conditions. This is because their premiums would become too expensive for most people. What your PMI might cover Usually included Inpatient tests Surgery as an inpatient or day patient Hospital accommodation and nursing care Cash payment for treatment received as an NHS inpatient Sometimes included (as part of the policy or if you ask for it) Outpatient tests Outpatient consultations and treatment with a specialist Overseas cover Therapy, for example, physiotherapy and complementary therapy
11 Private medical insurance 11 The following conditions or treatments are normally not included in your cover. Going to a general practitioner (GP) Going to Accident and Emergency Drug abuse HIV/AIDS Normal pregnancy Gender reassignment (sex change) Mobility aids, such as wheelchairs Organ transplant Injuries you get from dangerous hobbies (often called hazardous pursuits) Conditions you had before taking out the insurance (commonly known as pre-existing conditions see section 4) Dental services Outpatient drugs and dressings Deliberately self-inflicted injuries Infertility Cosmetic treatment Experimental or unproven treatment or drugs Kidney dialysis War risks Your insurer will give you a summary of your policy, or Key Features Document, and a full policy document, either before or straight after your insurance contract starts. The summary of your policy or Key Features Document will set out any important or unusual limits of the policy, as well as the main monetary limits. 7 What if I have a disability? You will not be refused cover because you have a disability. As with other pre-existing conditions, your insurer might not include cover for treatment that is needed because of your disability. However, it must be reasonable and fair for them to do this. If you sign a declaration about your medical history, you must give all relevant information about your disability. If your policy does not cover pre-existing conditions, an existing medical condition causing disability, or arising from it, will not be covered.
12 12 Private medical insurance 8 Will my premiums increase over time? Even with the wide range of PMI policies available, it is likely that whatever policy you choose your premiums will rise above the rate of general inflation. Advances in modern medicine mean that doctors are able to identify some conditions earlier than ever before. For example, a patient who had a heart attack 20 years ago might have been treated with a heart bypass operation. Today they might be offered a pacemaker before a bypass is considered. The cost of healthcare will increase when: new drugs, such as Herceptin and Avastin for the treatment of cancer, become available; the methods used to diagnose conditions become more advanced, which means patients can be treated more quickly, and are used more; and the technology used in surgery becomes more advanced. PMI tries to keep up with new medical developments, as they become established medical practice. As you get older you are more likely to need treatment. Premiums usually increase with your age to reflect this. The graph below shows how premiums can increase with age. This is only an example and will vary depending on your insurer. You can always ask your insurer to give you advice about their current rates at different ages. Indexed price Comparative price by age The indexed price is how much the price increases when compared to the price at age 35. So, the indexed price at age 35 is 100. When you are aged 70 it is around three times the price for someone aged 35. Indexed price Age
13 Private medical insurance 13 Can I reduce my premiums? You may be able to reduce your premiums by choosing from: a reduced level of benefits, such as limited outpatient cover; a specific range of hospitals; an excess on your policy, where you pay the first part, say 100, 200 or 500 of any treatment, either each policy year or each claim; a policy with co-insurance where you agree to pay a set percentage of any claim and the insurer pays the balance until you have paid an agreed yearly amount (after this the insurer pays 100%); a policy that offers a no-claims discount or a discount that depends on your commitment to health, including exercising regularly and not smoking; having treatment on the NHS, if this is available within 6 to 12 weeks of being diagnosed, rather than in a private hospital; and receiving a discount by changing how you pay. 9 What if I want to change to a new insurer? You can change your PMI company. If you want to switch, there are four main things you need to consider. Existing conditions Some insurers may match your exclusions (what is not included in your cover) and add these to your new cover. They will not add any new ones. However, some insurers might not cover illnesses or injuries you have had in the past or any condition that you suffer from now, even if these are covered by your current insurer. Comparing your cover Even if your personal medical exclusions stay the same with your new insurer, the overall cover is likely to be different. You should: compare the benefits of each insurer; compare any cover limits or monetary amounts; and ask questions about how the cover works. Paperwork Paperwork varies from one company to another, but there s likely to be an application form to sign and you might need to provide a copy of the policy certificate from your current insurer as proof of your current cover. When you choose to switch Usually, private medical insurance is offered through an annual contract. If you are thinking of switching to another insurer, it s best to consider doing this at your renewal date. At any other time, check if you will lose any payments.
14 14 Private medical insurance 10 Points to remember You must give full and accurate information to your insurer or adviser. This will avoid your claim being refused or your policy being cancelled. You should read all the policy documents and terms carefully, now and in the future. Keep all documents safe. You need to keep your payments up to date. If you don t your cover will stop and only eligible treatment costs from before the cancellation date will be included. If your policy is a yearly contract, you will be sent details of changes to benefits, rules or premiums before your renewal date. Your insurer cannot cancel your policy just because you have claimed or your health has got worse. Before you change insurers you should check the benefits, policy terms and underwriting position carefully to understand the consequences. The cover offered may not be the same.
15 Private medical insurance How is private medical insurance regulated? Financial Services Authority The Financial Services Authority (FSA) was set up by the Government to provide a single regulator for financial services. The FSA is committed to protecting you and promoting your understanding of the financial system. The FSA has a list of authorised companies. The FSA regulates insurers, independent intermediaries (sometimes called insurance brokers) and advisers. The FSA has set out rules about the selling and providing of general insurance. These rules must be followed by those dealing with you. Website: Compensation The Financial Services Compensation Scheme (FSCS) is the UK s legal fund for customers of authorised financial services firms. The FSCS can pay compensation if a firm cannot, or is likely to be unable, to pay claims against it. The FSCS is an independent organisation, set up under the Financial Services and Markets Act This service is free. Website: Confidentiality By law, specifically the Data Protection Act 1998, all insurers have to treat sensitive and personal information confidentially, especially medical details. When you are asked for information, you will be told what it will be used for, who it may be given to and in what circumstances. You can ask to see any information we have about you. Totally anonymous statistical information is sometimes given to outside organisations, so they can carry out research. Insurers might use to communicate with you. If you choose to communicate with your insurer in this way, you must make sure your address is private and cannot be used or seen by anyone else. Complaints All insurers, and anyone else advising on private medical insurance, must have their own complaints procedures in place. They must also be covered by the Financial Ombudsman Service (FOS). This means that if you have a problem with any part of your cover, you should speak to your insurer or adviser first. If you are not happy with the way your complaint is handled, the FOS offers an independent service to help settle your dispute. This service is free.
16 Association of British Insurers 51 Gresham Street London EC2V 7HQ Phone: Fax:
Are You Buying Private Medical Insurance? Take a look at this guide before you decide 2012 ARE YOU BUYING PRIVATE MEDICAL INSURANCE? 3 Contents 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. About this guide 4 Understanding
Are you buying private medical insurance? Take a look at this guide before you decide 2008 2 Private medical insurance Private medical insurance 3 Contents 1. About this guide 4 2. What is private medical
BUPACARE POLICY SUMMARY Effective from 1 January 2015 bupa.co.uk 2 This policy summary contains key information about BupaCare. You should read this carefully and keep it in a safe place afterwards. Please
BupaCare Policy summary Effective from 1 January 2016 This policy summary contains key information about BupaCare. You should read this carefully and keep it in a safe place afterwards. Please note that
Healthcare benefits: frequently asked questions About healthcare benefits What is private medical insurance? Private medical insurance (PMI) is a scheme designed to meet the cost of private medical treatment
BUPA SELECT KEY POLICY SUMMARY Effective from 1 January 2014 bupa.co.uk BUPA. HELPING YOU FIND HEALTHY Welcome to Bupa Select Key (the scheme). This policy summary contains key information about the scheme.
LOCALCARE GROUP SCHEME POLICY SUMMARY FOR MEMBERS OF THE PHILIP WILLIAMS BUPA HEALTHCARE SCHEME Effective from 1 December 2014 bupa.co.uk This policy summary contains key information about Bupa LocalCare
BUPA BY YOU YOUR MEMBERSHIP GUIDE bupa.co.uk ABOUT THIS GUIDE Welcome to your Bupa By You guide. We know that insurance can be hard to follow. That s why we ve made this guide as simple as possible. You
BUPA SELECT YOUR BUPA MEMBERSHIP GUIDE Essential information explaining your Bupa cover Please retain bupa.co.uk ABOUT THIS GUIDE Welcome to your Bupa Select membership guide. At Bupa, we know that insurance
Produced by Life Insurance Association General Insurance Association of Singapore YOUR GUIDE TO Health Insurance An initiative of MoneySENSE A National Financial Education Programme for Singapore Introduction
Healthcare Revealed A consumer guide to buying private medical insurance Welcome to Healthcare Revealed, our guide to helping you understand private medical insurance. In the last few years, the number
APRIL UK PRIVATE MEDICAL INSURANCE PLAN Flexible medical benefits designed for today's world www.april-uk.com Changing the image of insurance UK WELCOME TO APRIL UK - A NAME YOU CAN TRUST YOUR HEALTH WITH
Level, Renewable and Family Income Protection Key Features Lifetime Protection from Standard Life This is an important document. Please read it and keep for future reference. The Financial Conduct Authority
APRIL UK PRIVATE MEDICAL INSURANCE PLAN FOR SMEs Quality medical benefits for companies with 3 29 employees www.april-uk.com Changing the image of insurance UK WELCOME TO APRIL UK - A NAME YOU CAN TRUST
Policy Summary - Sports Health Insurance Some important facts about our Sports policies are summarised over the next few pages. This summary of benefits does not describe the full terms, conditions and
Guide to Private Medical Insurance Contents About the Exeter 4 Why private medical insurance? 5 Product highlights 6 Cover and benefits 10 Getting the right premium 15 How to apply 16 Claims overview 21
choices Private Medical Insurance designed for today's world Arranged by UK Quick access to private hospitals... If you were diagnosed with an illness, wouldn't you want quick access to diagnostic tests
product information Group InCare private medical cover for acute medical treatment the information provided in this summary is key information you should read. The summary does not contain the full terms
The business case for private health cover Aviva s guide to protecting your company and your employees We are one of the UK s leading providers of health and protection solutions, and experts in providing
about our eselect Protection Life or Earlier Critical Illness Cover We set out the main points about our eselect Protection Life or Earlier Critical Illness Cover below. Your personal illustration shows
AA Critical Illness with Life Cover Policy Summary The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life and Pensions Limited, to give you important
Loan Protection Insurance Your Loan Protection Insurance policy summary. Policy summary What is Loan Protection Insurance? Loan Protection Insurance, which is optional and not a condition of taking out
Private Medical Insurance Flexible medical benefits designed for today's world UK Changing the image of insurance. Quick access to private hospitals... If you were diagnosed with an illness, wouldn't you
Individual medical insurance Policy summary Health Cover Range What you need to know April 2010 Health Cover Range This policy summary provides a brief description of this private medical insurance from
Key Features of the NFU Mutual Level Temporary Assurance Policy with Critical Illness Cover PROTECTION CONTENTS 03 Who should buy this product? Its Aims Your Commitment Risks What is the Level Temporary
General & Medical Opt-in private healthcare solutions Contents Choose General & Medical Healthcare 3 Opt-in Schemes - a unique concept 4 A Range of Schemes - to suit everyone 4 Equs Range - essential affordable
Bupa By You Summary Find the cover that s right for you There s a lot to take in when purchasing health insurance that s why we ve created this easy to use guide which summarises the cover that s available
Association of British Insurers Statement of Best Practice for Sales of Individual and Group Private Medical Insurance September 2011 Introduction This Statement of Best Practice applies to ABI members
wpa.org.uk Flexible Health Health Insurance Policy Summary Effective from 9 January 2012 Flexible Health is for busy people like you. Take a moment to consider your healthcare. It makes sense to do all
Provided by Bupa Schls Scheme Lking after what s most important bupa.co.uk/schlscheme The subscription rate is 67.50 per child each term and applies for membership year 1 September 2015 to 31 August 2016.
MEMBER SUMMARY YOUR LIFE YOUR HEALTH YOUR BENEFIT Welplan Health Care Scheme Effective from 1 April 2015 bupa.co.uk This is page 1 of 8 which should be read together in full. These pages are for the summary
AN ABI GUIDE TO LONG-TERM CARE INSURANCE Things you should know about Long-Term Care Insurance If you are thinking about buying long-term care insurance, there are a number of things you need to understand.
Global Health Essential Regional Cover for the Costs of Healthcare Overseas Cover for your essential medical costs abroad The Essential plans are designed for expatriates and international citizens who
Consumer Guide for Motor Warranties December 2011 A CONSUMER GUIDE TO MOTOR WARRANTIES 1 A CONSUMER GUIDE TO MOTOR WARRANTIES Introduction Before buying a vehicle, you will probably carry out a great deal
The best deals from leading insurers MyMoney s guide to medical insurance Public versus Private Medical Coverage Reasons why people buy Private Medical Insurance What are the different options available
Lifeline Worldwide Medical insurance We care, wherever you are Whether you re at home or living or working abroad, the last thing you want to worry about is your health. You need the peace of mind that
General & Medical Opt-in private healthcare solutions Contents Choose General & Medical Healthcare 3 Opt-in Schemes - a unique concept 4 A Range of Schemes - to suit everyone 4 Equs Range - essential affordable
MEMBER SUMMARY YOUR LIFE YOUR HEALTH YOUR BENEFIT SELECT Staff Scheme Effective from 1 September 2014 bupa.co.uk Keep this booklet somewhere handy in it, you ll find a summary about the things you re covered
Mortgage Protection and Level Protection Key Features Lifetime Protection Plan from Standard Life This is an important document. Please read it and keep for future reference. The Financial Conduct Authority
Associates Private Medical Trust Guide Effective from 1 April 2012 Welcome to the Honda Associates Private Medical Trust This guide provides an overview of the benefits available to you under your Private
Key facts of the Lifestyle Plus Protection plan (October 2013) This document contains important information about the Lifestyle Plus Protection plan and you should read it along with your quote. This document
This policy summary does not contain the full terms and conditions of the policy; these can be found in the policy document. Who is the insurer? Life and Critical Illness is underwritten by Lloyd s Syndicate
Preferential The health plan that provides comprehensive private medical insurance cover HEALTH INSURANCE Preferential Private Health Cover Preferential provides your employees with extensive levels of
Tesco Private Healthcare Plan Effective from 1 March 2016 Administered by Bupa bupa.co.uk This is page 1 of 10 which should be read together in full. These pages are for the Tesco Private Healthcare Plan
Personal Healthcare benefits at a glance The below table shows the benefits and cover options you can get with a Personal Healthcare plan from PruHealth. All plans start with Core Cover, which has a variety
Bupa Dental Plan Scheme Policy Summary Effective from 1 April 2010 This policy summary contains key information about the Bupa Dental Plan scheme. You should read this carefully and keep it in a safe place
Key Features of the NFU Mutual Mortgage Temporary Assurance Policy with Critical Illness Cover PROTECTION CONTENTS 03 Who should buy this product? Its Aims Your Commitment Risks 04 What is the Mortgage
It didn t take Jeff long to get back to everyday life following his operation. Thank goodness for PG Mutual s private medical insurance PG Mutual Medical Care Plan Why you need private medical cover The
worldwide health insurance: perfectly formed 2 CONTENTS Welcome 03 Handpick your Healthcare Plan 04 The Finishing Touches 05 Benefits Table 06 Underwriting 09 International Flexibility 11 The Corporate
Your policy summary and terms and conditions of your health insurance www.pruhealth.co.uk Contents Your policy summary 3 Terms and conditions of your health insurance 7 Your policy summary This document
It didn t take Jeff long to get back to everyday life following his operation. Thank goodness for PG Mutual s private medical insurance PG Mutual Medical Care Plan PG Mutual Medical Starter Plan Why you
Business Healthcare benefits at a glance The below table shows the benefits and cover options you can get with a Business Healthcare plan from PruHealth. All plans start with Core Cover, which has a variety
Saga HealthPlans Policy Summary Super and Super 4 Week Wait Secure and Secure 4 Week Wait Saver Plus and Saver Plus 4 Week Wait Saver and Saver 4 Week Wait Support and Support 4 Week Wait Policy Summary
Living Expenses Cover Policy Wording Putting plans in place for the future Welcome to AA Life Helping put plans in place for the unexpected AA Life Services Limited is pleased to provide you with the confidence
Raffles Health Insurance Pte Ltd (Company Registration No: 200413569G) 133 Middle Road Bank of China Plaza #02-00 Singapore 188974 www.raffleshealthinsurance.com +65 6340 1660 General services: +44 (0)
Worldwide Medical Insurance Company Taking good care of the people your business depends on Whether your employees are at home or living and working abroad, their health is very much your business. You
GREEN PET INSURANCE IN ASSOCIATION WITH ULTIMATE PET PARTNERS LTD PLATINUM COVER POLICY KEY FACTS This policy summary does not contain the full details of Your policy, and should be read in conjunction
Homeplan Key Features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires us, Standard Life, to give
Sports Health Insurance application form for clubs with 10 members or more Here to Help We hope you will find this application form easy and straightforward to complete but if you require any assistance
A Guide to Health Cover for the Self-Employed By Charlotte Beugge FS 28452 BCMS 538164 in association with wpa.org.uk EMS 505226 IS 553152 1 The UK economy depends upon the millions of people working for
Cash Back Cover We ve got you covered for life. Contents Combined Product Disclosure Statement and Financial Services Guide Page No. Product Disclosure Statement 3 About Cash Back Cover 3 Information about
Clinical research trials and insurance Information for people who are planning to take part in a clinical research trial January 2011 This information is subject to change depending on medical advances
PERSONAL HEALTHCARE APPLICATION CONTINUED PERSONAL MEDICAL EXCLUSIONS (CPME/SWITCH) PRIVATE MEDICAL INSURANCE To be used for new plans commencing from 01 July 2015. To apply for VitalityHealth membership
Policy Summary The information below is only a summary of your insurance and does not contain the full policy terms and conditions. Please see the Policy Document for full details of the cover provided.
Page 1 Health Insurance overview for customers. What does health insurance cover? 1. Treatment costs for illness that is covered under the terms and conditions of the insurance policy. 2. Treatment costs
GREEN PET INSURANCE IN ASSOCIATION WITH ULTIMATE PET PARTNERS LIMITED GOLD COVER POLICY KEY FACTS This policy summary does not contain the full details of Your policy, and should be read in conjunction
A Guide to Critical Illness Insurance This guide about Critical Illness cover is designed to help you decide if this is a suitable product for you. It aims to help by answering the following questions:
Underwriting Methods and Chronic Conditions All you need to know about cover for pre-existing and chronic conditions Contents Page number Introduction 3 A choice of ways to apply 4 How we deal with chronic
Universities & Colleges Personal Healthcare Scheme Working with to offer employees of niversities Colleges access to private healthcare cover Private medical insurance for you and your family The University
Accident, Sickness & Hospitalisation Plan Paying you an income if you can t work Ireland Changing the image of insurance. Preparing for the unexpected... What would happen to you and your family if you
HELP US TO HELP YOU To request further information on any of the products below - tick the box(es) of your choice... PLAN4LIFE CANCER INSURANCE TRAVEL INSURANCE Financial help when you need it most. With
Genetic conditions and insurance What you need to know and what you need to tell About this booklet This information booklet has been produced to provide accessible and impartial information for people
Global Health Elite The Gold Standard in International Private Medical Insurance William Russell is the leading independent provider of international health insurance When you re a customer with William
Forces Pension Society scheme The Health Insurance Group Offering you a private medical insurance plan from AXA PPP healthcare with flexible options to suit your needs. January 2013 The Health Insurance
CHAPTER 13 Insurance 291 292 CHAPTER 13 Contents 13.1 HIV testing and life insurance................................. 294 13.2 The need for insurance.......................................... 295 13.2.1
Lifeline Plan We care, wherever you are Whether you re at home or living or working abroad, the last thing you want to worry about is your health. You need the peace of mind that comes from knowing that
Key Features of the Forester Life Mortgage Protection Options Plan The Financial Conduct Authority is a financial services regulator. It requires us, Forester Life, to give you this important information
UNEMPLOYMENT OR INCOME-PROTECTION INSURANCE You have applied for disability or unemployment protection with certain underwriters at Lloyd s. In return for the appropriate premium, this insurance will insure
INSURANCE KEY FEATURES OF THE: Relevant Life Plan This is an important document which you should keep in a safe place. This is a guide to our Relevant Life Plan and is based on our understanding of current
Private healthcare insurance A guide to Health Select/Health Select 6 Put your health first with private healthcare insurance from AXA PPP healthcare healthcare Nothing is more important than your health
General & Medical Private Health Insurance for individuals and families in association with Newmarket Lifestyle www.newmarketlifestyle.co.uk Newmarket Lifestyle and General & Medical Newmarket Lifestyle
TABLE 120 - SCHEDULE OF COVER and POLICY DOCUMENT Sections 1,2, 3, 7 and 8 only Contents: Section 1 Section 2 Section 3 Section 7 Section 8 In-Hospital (In-Patient) Expenses for Sickness and Injury, including
EBS Mortgage Payment Protection Protect yourself against the unexpected EBS Mortgage Payment Protection is brought to you by EBS and Genworth Financial. If you have a mortgage, think about mortgage payment