HMCA MEDICAL CARE PLAN. Private medical cover for you and your family

Transcription

1 HMCA MEDICAL CARE PLAN Private medical cover for you and your family

2 WHY YOU NEED PRIVATE MEDICAL COVER The NHS is good at what it does, however, no state funded scheme can offer the benefits of Private Medical Cover. All of us want the peace of mind offered by one or all of the following; Bypass lengthy NHS waiting lists and quickly receive medical attention Your own hospital room with en-suite facilities and your own TV You choose the specialist at a location that is convenient for you You see the Consultant, not their registrar or trainee Private medical care can speed up the recovery process Your family and loved ones can visit any time Private s strive to ensure that the risk of infection for their patients is kept as low as possible and focus on hygiene and infection control as a top priority 2

3 WHO ARE HMCA? With members in the United Kingdom and Republic of Ireland plus those countries in the European Economic Area (EEA) our dedicated team of experienced employees service plans for tens of thousands of discerning individuals who have taken out membership over the years. They provide a high level of response to policy claims, evidenced by regular feedback from our customers and the associations using HMCA. HMCA is authorised and regulated by the Financial Conduct Authority. They have plans underwritten by Lloyd s of London, Axiom Underwriting Agency Limited, The Care Insurance Company Limited, Catlin Underwriting Agencies Limited, Autohome Limited and Das Legal Expenses Insurance Company Limited to name a few who are governed by English Law and covered by the Financial Services Compensation Scheme. 11/ WE ARE HERE TO HELP If you wish to discuss your health care requirements or the HMCA Medical Care Plan, please telephone our helpline on (01423) or fax on (01423) or write to: HMCA, Beech Hall Knaresborough, Yorkshire HG5 0EA. hmca@hmca.co.uk Website: WHY CHOOSE THE HMCA MEDICAL CARE PLAN? All the benefits of private medical treatment for you and your family. VIP treatment with the specialist of your choice, at the time of your choice, at the hospital of your choice. Any hospital on our list may be used and others with prior agreement. Excellent benefits with substantial savings over other major plans. These are just some of the reasons why you should consider the HMCA Medical Care Plan as your first choice for your private health cover. When you are ill you do not want any uncertainty or inconvenience, your worries can be substantial enough without added pressures. Whilst the National Health Service has a very good system for dealing with emergencies and chronic situations, the waiting list nationwide for less urgent operations continues to grow. Having to wait months, or even years, suffering discomfort and pain could have disastrous effects on your work and family life. By joining the HMCA Medical Care Plan, these problems will be overcome. WHY ARE HMCA SO COMPETITIVE? With over 30 years of intimate experience of the insurance and underwriting profession HMCA are able to produce value for money products within the health care market. HMCA have minimal advertising costs. Dealing with membership groups and associations they do not use the normal media outlets for advertising, for example national newspapers and television. HMCA deal directly with group and association members through existing channels of communication. HMCA have a low overall cost base which is reflected in the subscriptions they charge. 3

4 SUMMARY OF BENEFITS The maximum benefit payable for each person named on the Membership Certificate for acute surgical or acute medical conditions, in each subscription year, is 250,000. For full details, please refer to the personalised Description of Benefits and Levels of Cover and the definitions, exclusions and conditions on the reverse. IN-HOSPITAL TREATMENT FOR OVERNIGHT OR LONGER STAYS Accommodation Charges FULL REFUND ( 450 to 850 per night) Ward Nursing Charges FULL REFUND Ward Drugs FULL REFUND A 200 a night tax-free cash benefit is available, for up to 30 nights, when all treatment is carried out as a National Health patient in a public ward of an NHS. Surgical Charges for surgeons and anaesthetists combined fees, including aftercare, are refunded as described in the Description of Benefits and Levels of Cover. Theatre fees, consumables, drugs and surgical dressings are refunded as described in the Description of Benefits and Levels of Cover. Benefit is also payable for in-hospital treatment such as: Medical charges for consultant physician fees, pathology and investigations whilst in hospital. Intensive care. Dental care for specialist in-hospital or day-case treatment. OUT-PATIENT AND ADDITIONAL BENEFITS Specialists services for consultations, investigations, day-case surgery, pathology, physiotherapy, x-rays and scans. Alternative treatments of chiropractic, osteopathy, homoeopathy and acupuncture. Radiotherapy and chemotherapy. A 750 maternity grant when both parents are members. Parent accompanying child. Home-nursing following private treatments. Private ambulance. OVERSEAS COVER Continuation of cover when travelling abroad on holiday or business. DEMANDS AND NEEDS This Plan meets the demands and needs of individuals who wish to have benefits towards the cost of their private medical treatment, now and in the future. 4

5 Thanks, too, for looking after my invoices during my Heart operation period last Summer and for settling the Accounts without any fuss or bother. Luckily, I ve been no trouble to you or myself since then so, fingers crossed, there will be no more serious problems in the foreseeable future. Equity Reader SPECIAL GUARANTEED TRANSFER FACILITY Cover can be transferred from an existing medical plan and future claims made for acute conditions originating at the time the member was participating in a previous plan will be honoured. No health questions are asked or medical examination required and there will be no break in protection when you transfer to the Medical Care Plan. LONG-TERM ILLNESS All private health plans cover short-term medical conditions which are curable. Long-term conditions which are not covered are those which are recurrent, persistent or incurable. When a condition is first diagnosed as being long-term (and did not exist prior to enrolment) benefit will be provided for such diagnosis and any necessary treatment, under the terms of the contract, for one initial episode. As private health cover was never intended to replace the NHS, but meant to complement the service, all subsequent treatment will be given by the NHS. HMCA does provide, however, a 1,000 LONG-TERM ILLNESS GRANT that can be used at the discretion of HMCA to help in the transition to NHS care. MONEY-BACK GUARANTEE If not satisfied you may return the HMCA Medical Care Plan within thirty days for a full refund. You will be subject to the Rules of Membership which are incorporated in the Membership Certificate which will be sent to you immediately upon your election. The subscription payable is based upon the age of the oldest person included in the enrolment. FREE MEDICAL INFORMATION AND COUNSELLING HELPLINE This service is provided free of charge to HMCA Medical Care Plan members. It is operated by qualified medical staff and provides a wealth of support and information irrespective of whether the member is making a claim for medical treatment. This also includes a counselling service which is available 24 hours a day, 365 days a year, allowing our members to discuss their problems confidentially with a qualified counsellor at a time convenient to them. REFER TO KEY FACTS ON PAGE

6 QUESTIONS AND ANSWERS Here is a list of the questions most frequently asked by members of trade and professional groups on the subject of private medical cover provided by our Medical Care Plan. If you have any additional questions please telephone our Helpline as shown on back cover. Q. Does the Medical Care Plan have an excess or deductible, such as the first 500 of a claim being paid by the member? A. No. We believe that our members should have cover from the commencement of any treatment covered under the Medical Care Plan. Q. Is the offer to join the Medical Care Plan dependent upon my remaining a member of my sponsoring association? A. You must be a member of your sponsoring association when joining the Medical Care Plan. After enrolment you become a member of the Medical Care Plan. Q. May I transfer from my plan to your Medical Care Plan? A. Yes. If you are in a medical plan you can transfer to the Medical Care Plan with no break in protection. Q. Can you explain the benefit levels in the Description of Benefits and Levels of Cover? A. Charges for in-patient accommodation, ward drugs and nursing charges are covered in full. Other benefits are based on the type of treatment received and the complexity of any operations carried out. The complexity of all operations is advised by the specialist carrying out your treatment. Our benefits are based on our experience of the likely costs involved and we apply limits to protect against overcharging which would have the effect of increasing claims costs and our members subscriptions. Q. Are your terms similar to those in my present plan? A. The benefits are summarised on pages 4 and 5 of the brochure entitled Summary of benefits, and the key facts are on pages 10 and 11 and these may differ from your current plan. Q. Is the scope of the HMCA Medical Care Plan wider than many others? A. As well as providing comprehensive benefits for treatment of acute medical conditions the Plan has a number of very important extra features which extend the scope: We include treatment for injuries sustained whilst playing sport. Cover continues whilst you are abroad on holiday or business for up to six months, at no extra cost. A free help-line is provided to give information on treatment, costs or any other general medical-related questions. This includes a confidential counselling service. Q. Who do I speak to when I want to make a claim? A. Our UK based claims team who offer a personal service and provide prompt settlement. 6

7 I would like to take this opportunity to thank the HMCA staff who were so understanding and efficient in dealing with my telephone call at a time which was extremely distressing as the specialist was at the time convinced that it was a recurrence. I felt I received a very personal service and if this comment can be used in any way to encourage more people to join HMCA I would be quite happy for it to be used. National Trust Reader, Kent Royal Overseas League member Q. What happens if I am admitted to an NHS hospital? A. If you choose to have all your treatment solely through the NHS you will receive 200 a night spent in hospital, for up to 30 nights. Of course, this is tax-free cash which you keep to spend as you wish. Q. May I choose the hospital which treats me? A. Yes. There are no restrictions, you can use any of the hospitals detailed on our comprehensive list. If your preferred hospital is not listed please contact our Helpline. Q. Do you pay my specialist or hospital directly if I claim? A. Yes. We are happy to pay your specialist or hospital on your behalf or we can reimburse you. Q. Can you pay the hospital direct? A. Yes. We have arrangements with leading hospital groups and they will bill us direct for any admissions to hospital. Please contact our Helpline for more information. Q. Is day-case surgery covered? A. Yes. The plan provides payment towards daycase surgery. Q. Am I covered for alternative medical treatment? A. Yes. Under our Specialist Services section you are covered for chiropractic, osteopathy, homoeopathy and acupuncture given by qualified practitioners. Q. Do you have restrictive clauses relating to the NHS waiting lists? A. No. We do not have restrictive clauses relating to the NHS waiting lists. Q. Am I covered when travelling overseas? A. Yes. Cover continues when you travel abroad on holiday or business at no extra cost. Q. Am I covered for sporting injuries? A. Yes. There is no restriction on any sport. Q. What is the maximum age at which I may join the HMCA Medical Care Plan or transfer from another plan? A. There is no age limit when joining HMCA. Q. What is Insurance Premium Tax (IPT)? A. IPT is a tax on general insurance, for example motor, household and medical cover, levied by the government. 7

8 THE HMCA MEDICAL CARE PLAN CHECKLIST You should compare the HMCA plan with other plans by using this checklist. NO MORATORIUM OR WAITING PERIOD No moratorium and no waiting period before eligible claims are payable. SPECIALIST Freedom of Choice PROMPT CLAIMS SERVICE Our UK based claims team who offer a personal service and provides prompt settlement. NO MEDICAL EXAMINATION CHOICE OF COUNTRYWIDE HOSPITALS You have the choice of over 550 hospitals on our list and others with prior arrangement. SPORTS ACTIVITIES There are no exclusions. OVERSEAS COVER Cover continues when you travel abroad on holiday or business and is included at no extra cost, whereas most other plans may reduce benefits or ask for increased subscriptions, or indeed offer no cover at all. NO REDUCTION IN BENEFITS HMCA has consistently improved the benefits of its Medical Plans. NO EXCESS OR DEDUCTIBLE Benefits to which members are entitled do not attract an excess or deductible such as the first 500 of treatment costs. PROSTHESES HMCA includes these. DENTAL TREATMENT In-hospital or day-case surgical treatment is included. PREGNANCY AND CHILDBIRTH Complications and miscarriages are covered. HOME-NURSING HMCA allows up to 3,250 each year. LONG-TERM ILLNESS GRANT After enrolment, a member receiving treatment that ceases to be short-term qualifies for a grant of up to 1,000. This benefit can be given at the discretion of HMCA. 8

9 SPECIAL GUARANTEED TRANSFER FACILITY Cover can be transferred from an existing plan and future claims made for acute conditions originating at the time you were participating in a previous plan will be honoured. No health questions are asked or medical examination is required and there is no break in protection when you transfer to the Medical Care Plan. NHS HOSPITAL CASH BENEFIT A 200 a night tax-free cash benefit is available, for up to 30 nights, if treatment is wholly in an NHS. FREE MEDICAL INFORMATION AND COUNSELLING HELPLINE This service is provided free of charge to all HMCA Medical Care Plan members. It is operated by qualified medical staff and offers a wealth of information and help regardless of whether the member is making a claim. Information can be given on medical conditions, changing your doctor, social services, self-help groups and much more. This also includes a counselling service which is available 24 hours a day, 365 days a year, allowing our members to discuss their problems confidentially with a qualified counsellor at a time convenient to them. I am writing to thank you and the Association staff for the fine service I have received since I joined your scheme several years ago. In particular I would thank Mr Andrew Baker for his support during the past three years which have been difficult for me, involving treatment for my late wife and operations to my shoulder and just five weeks ago an operation to replace my left knee. Your prompt payments have also helped reduce the stress. Institute of Cast Metals Engineers 9

10 KEY FACTS These key facts are a summary of this plan: for full details please refer to the enclosed personalised Description of Benefits and Levels of Cover. This should be read in conjunction with the full terms and conditions at or telephone us on The plan is underwritten by The Care Insurance Company Limited, 79 Prince Edwards Road, Gibraltar. It is governed by English law and all documents will be provided in English. The Medical Care Plan provides a range of benefits for the private treatment of acute surgical and medical conditions which are listed on the enclosed Description of Benefits. The term of the contract is 12 months and your subscription is quoted on the enclosed correspondence. If you wish to change your mind you have the right to cancel within 30 days of receipt of your certificate and any subscriptions paid will be refunded. After the first 30 days you may cancel your cover at any payment date thereafter by writing to HMCA, Beech Hall, Knaresborough, Yorkshire HG5 0EA. To make a claim telephone or write to the Claims Department, HMCA, Beech Hall, Knaresborough, Yorkshire, HG5 0EA. HMCA operates a three-stage complaints procedure If you have a complaint please write to The Directors of HMCA, Beech Hall, Knaresborough, Yorkshire, HG5 0EA. If you are dissatisfied with the response you should write to The Care Insurance Company Limited, 79 Prince Edwards Road, Gibraltar. If after their review you are still dissatisfied, your complaint can be referred to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR. SIGNIFICANT FEATURES AND EXCLUSIONS The Medical Care Plan provides benefits for in-hospital and out-patient treatment. An NHS benefit of 200 a night is paid if treatment is carried out in an NHS hospital An NHS grant is payable when treatment is received free as an NHS patient, as accident or emergency admissions are not covered (exclusion 2.28 refers). A free Medical Information Helpline is provided. Conditions that existed before enrolment are not covered, however, when you transfer to the HMCA Medical Care Plan from an existing plan, conditions that originated whilst you had cover with your previous provider will be covered by HMCA. This is called the HMCA Transfer Facility (see condition 3.3 for a full description). There is no age limit for enrolment in the HMCA Medical Care Plan. Long-term conditions which are recurrent, persistent or incurable are not covered. These are commonly known as chronic conditions. (See condition for a full description). There are some restrictions in the first year for claims for joint and back conditions (see exclusion 2.24). This does not apply to those enrolling under the transfer facility. 10

11 COMPENSATION The Care Insurance Company Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event that The Care Insurance Company Limited cannot meet its obligations. This depends on the type of business and circumstances of the claim and would provide cover for 100% of the first 2,000 and 90% of the remainder of the claim without any upper limit. Further information about compensation scheme arrangements is available from the FSCS. ( ) HMCA/S PLC, trading as the & Medical Care Association (HMCA) of Beech Hall, Knaresborough, Yorkshire, HG5 0EA is an intermediary and is authorised and regulated by Financial Conduct Authority, reference no This can be verified by visiting the FCA s website uk/register or by contacting the FCA on HMCA only offers Private Health Plans underwritten by The Care Insurance Company Limited. We do not offer advice and the information sent will allow you to make a choice of how to proceed. THE DIRECT DEBIT GUARANTEE This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit HMCA will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you request HMCA to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by HMCA or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. If you receive a refund you are not entitled to, you must pay it back when HMCA asks you to. You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us. Who regulates and monitors HMCA? HMCA/S PLC, trading as the & Medical Care Association (HMCA) is authorised and regulated by the Financial Conduct Authority. We are also fully compliant with the Data Protection Act and regularly monitored by our auditors. All Underwriters provide cover under the Financial Services Compensation Scheme (FSCS) which provide compensation in the unlikely event the Underwriter cannot meet is obligations. 11

12 HOSPITAL ACCOMMODATION LIST ENGLAND BEDFORDSHIRE Bedford Bedford General Bedford BMI Manor Luton Luton & Dunstable NHS Trust BERKSHIRE Ascot Reading Reading Reading Slough Slough Thatcham Windsor Windsor Windsor BRISTOL Bristol Bristol Bristol Bristol Bristol Bristol Bristol Heatherwood Spire Dunedin Royal Berkshire Berkshire Independent Wexham Park Spire Thames Valley West Berkshire Community King Edward VII BMI Princess Margaret Circle Windsor Clinic Spire Bristol Glen Nuffield Bristol Bristol Eye Frenchay Bristol Royal Infirmary St Michaels Southmead BUCKINGHAMSHIRE Amersham Amersham Aylesbury Stoke Mandeville Gerrards Cross Chalfont & Gerrards Cross Great Missenden BMI The Chiltern High Wycombe BMI Shelburne High Wycombe Wycombe Milton Keynes BMI Saxon Clinic Milton Keynes Milton Keynes General Princes Risborough The Paddocks Clinic CAMBRIDGESHIRE Cambridge Addenbrookes Cambridge Spire Cambridge Lea Cambridge Nuffield Cambridge Cambridge Papworth Huntingdon Hinchingbrooke Peterborough Peterborough City Peterborough Fitzwilliam Wisbech North Cambridgeshire CHESHIRE Altrincham Altrincham General Cheadle BMI Alexandra Chester Countess of Chester Chester Nuffield Grosvenor Crewe Leighton Crewe BMI South Cheshire Macclesfield Macclesfield District General Macclesfield Spire Regency Runcorn Halton General Warrington Warrington Warrington Spire Cheshire CLEVELAND Hartlepool University of Hartlepool Middlesbrough James Cook University Stockton-on-Tees Nuffield Tees Stockton-on-Tees University of North Tees CORNWALL Falmouth Falmouth Hayle St Michaels Penzance West Cornwall Redruth Camborne Redruth Community Truro Duchy Truro Royal Cornwall CUMBRIA Barrow-in-Furness Furness Carlisle Abbey Caldew Carlisle Cumberland Infirmary Kendal Westmorland General Whitehaven West Cumberland Workington Workington Community DERBYSHIRE Buxton Buxton Chesterfield Chatsworth Clinic Derby Nuffield Derby Derby Royal Derby DEVON Barnstaple North Devon District Bideford Bideford & District Exeter Nuffield Exeter Exeter Royal Devon & Exeter Exmouth Exmouth Ilfracombe Ilfracombe & District Tyrrell Newton Abbott Newton Abbott Plymouth Derriford Plymouth Mount Gould Plymouth Nuffield Plymouth Plymouth Royal Eye Infirmary Sidmouth Victoria Tavistock Tavistock Teignmouth Teignmouth Tiverton Tiverton & District Torquay Mount Stuart Torquay Torbay DORSET Bournemouth Christchurch Bournemouth Nuffield Bournemouth Bournemouth Royal Bournemouth Dorchester BMI Winterbourne Dorchester Dorset County Poole BMI Harbour Sherborne Yeatman Weymouth Weymouth Community DURHAM Bishop Auckland Bishop Auckland Chester-le-Street Chester-le-Street Darlington Darlington Memorial Darlington BMI Woodlands Durham University of North Durham Shotley Bridge Shotley Bridge ESSEX Basildon Basildon University Brentwood Nuffield Brentwood Brentwood Spire Hartswood Buckhurst Hill Holly House Chelmsford Broomfield Chelmsford Springfield Clacton-on-Sea Clacton & District Colchester Oaks Colchester Essex County Colchester Colchester General Epping St Margarets Grays Orsett Harlow Princess Alexandra Havering Queens Ilford King George Maldon St Peters Redbridge Spire Roding Southend-on-Sea Southend Southend-on-Sea Spire Wellesley Southend BMI Southend Private GLOUCESTERSHIRE Cheltenham Cheltenham General Cheltenham Nuffield Cheltenham Gloucester Gloucester Royal Gloucester Winfield Stroud Stroud General 12

13 I would like to thank you for the smooth and efficient way HMCA have dealt with the claim to date and justifies our confidence in switching from Aviva to HMCA to date. Clearly we hope not to require making more claims for a long time. WI Life reader Photo courtesy of BMI The Duchy hospital HAMPSHIRE Basingstoke North Hampshire Basingstoke BMI Hampshire Clinic Eastleigh Nuffield Health Wessex Havant Spire Portsmouth Lymington New Forest Portsmouth Queen Alexandra Portsmouth St Marys Southampton Spire Southampton Southampton Southampton General Southampton Princess Anne Southampton Royal South Hants Winchester Royal Hampshire County Winchester BMI Sarum Road HEREFORDSHIRE Hereford Hereford County Hereford Nuffield Hereford HERTFORDSHIRE Bishops Stortford Herts & Essex General Harpenden Spire Harpenden Hemel Hempstead Hemel Hempstead Hertford Hertford County Hitchin Pinehill Sawbridgeworth Rivers St Albans St Albans City Stevenage Lister Watford Spire Bushey Watford Watford General Welwyn Garden City Queen Elizabeth II ISLE OF WIGHT Newport Orchard Newport St Marys KENT Ashford William Harvey Beckenham BMI Sloane Beneden Beneden Canterbury BMI Chaucer Canterbury Chatham Deal Dover Folkestone Gillingham Herne Bay Hythe Longfield Maidstone Maidstone Maidstone Margate Orpington Sevenoaks Sidcup Tunbridge Wells Tunbridge Wells Wells Kent & Canterbury Spire Alexandra Victoria Buckland Royal Victoria Medway Maritime Queen Victoria Memorial Spire St Saviours BMI Fawkham Manor Maidstone BMI Somerfield Maidstone KIMS Queen Elizabeth the Queen Mother BMI Chelsfield Park Sevenoaks Queen Marys Tunbridge Wells Nuffield Tunbridge LANCASHIRE Blackburn BMI Beardwood Blackburn Royal Blackburn Blackpool Spire Fylde Coast Blackpool Victoria Bolton BMI Beaumont Bolton Royal Bolton Burnley Burnley General Chorley Euxton Hall Clitheroe Abbey Gisburne Park Lancaster BMI Lancaster Ormskirk Ormskirk & District General Ormskirk Renacres Preston Fulwood Hall Preston Royal Preston LEICESTERSHIRE Hinckley Hinckley & District Leicester Glenfield Leicester Leicester General Leicester Nuffield Leicester Leicester Leicester Royal Infirmary Oadby Spire Leicester LINCOLNSHIRE Boston Pilgrim Grantham Grantham & District Grimsby St Hughs Grimsby Diana, Princess of Wales Lincoln BMI Lincoln Lincoln Lincoln County Louth County Stamford Stamford & Rutland GREATER LONDON Ashford Ashford Barnet Barnet Carshalton St Helier Enfield Chase Farm Enfield BMI Kings Oaks Harefield Harefield Harrow Northwick Park Harrow BMI Clementine Churchill Harrow St Marks Isleworth West Middlesex University Kingston upon Thames Kingston Kingston upon Thames New Victoria Northwood BMI Bishops Wood Northwood Mount Vernon Southall Ealing Stanmore Royal National Orthopaedic Uxbridge Hillingdon Middlesex BMI The Cavell Clinic LONDON (Postal Area) E2 London Chest SE3 BMI Blackheath SW3 Royal Brompton SW10 Chelsea & Westminster W6 Charing Cross NW4 Hendon WC1N Royal London for Integrated Medicine WC1 Great Ormond Street SE1 Guys W12 Hammersmith W12 Queen Charlottes & Chelsea N6 Highgate WC1E for Tropical Diseases NW8 of St John & St Elizabeth NW8 British Hernia Centre W1G King Edward VII W1G Weymouth Street SE5 Kings College SE13 University Lewisham E1 Royal London Whitechapel E1 BMI London Independent EC1 Moorfields Eye WC1 National for Neurology & Neurosurgery N18 North Middlesex University SW19 Parkside Wimbledon W1 The Portland for Women & Children SW15 Queen Marys Roehampton NW3 Royal Free SW3 Royal Marsden W1 Royal National Ear, Nose & Throat EC1 St Bartholemews 13 CONTINUED

14 SW17 St Georges W2 St Marys SE1 St Thomas NW1 University College NW1 Western Eye E11 Whipps Cross N19 Whittington GREATER MANCHESTER Ashton-under-Lyne Tameside General Bury Fairfield General Leigh Leigh Infirmary Manchester Spire Manchester Manchester Christie Manchester North Manchester General Manchester Royal Manchester Childrens Manchester Royal Eye Manchester Royal Infirmary Manchester St Marys Oldham Royal Oldham Rochdale Birch Hill Rochdale BMI Highfield Rochdale Rochdale Infirmary Salford Oaklands Salford Salford Royal Stockport Stepping Hill Wigan Royal Albert Edward Infirmary Wigan Wrightington Wythenshawe Wythenshawe MERSEYSIDE Liverpool Broadgreen Liverpool Spire Liverpool Liverpool Royal Liverpool University Liverpool Liverpool Womens Liverpool University Aintree Liverpool Liverpool Heart & Chest Ormskirk Ormskirk & District General Prescot Whiston St Helens Fairfield General St Helens St Helens Southport Southport & Formby District General Wirral Clatterbridge Wirral Spire Murrayfield Wirral Arrowe Park NORFOLK Cromer Cromer Great Yarmouth James Paget University Kings Lynn Norwich Norwich BMI Sandringham Spire Norwich Norfolk & Norwich Uni Hosp NORTHAMPTONSHIRE Kettering Kettering General Kettering Woodland Northampton Northampton General Northampton BMI Three Shires NORTHUMBERLAND Alnwick Alnwick Infirmary Hexham Hexham General NOTTINGHAMSHIRE Nottingham Nottingham City Nottingham BMI The Park Nottingham Queens Medical Centre Nottingham Circle Nottingham Clinic Nottingham Nottingham Woodthorpe Sutton in Ashfield Kings Mill Worksop Bassetlaw District General OXFORDSHIRE Banbury Foscote Banbury Horton General Oxford Churchill Oxford Nuffield Orthopaedic Centre Oxford Nuffield Oxford (The Manor) Oxford Oxford Eye Oxford John Radcliffe SHROPSHIRE Oswestry Robert Jones & Agnes Hunt Orthopaedic Shrewsbury Nuffield Shrewsbury Shrewsbury Royal Shrewsbury Telford Princess Royal SOMERSET Bath Bath Bath Bath Bridgwater Minehead BMI Bath Clinic Circle Bath Royal National for Rheumatic Diseases Royal United Bridgwater Community Minehead & West Somerset Musgrove Park Nuffield Taunton Taunton Taunton Weston Super Mare Weston General Yeovil Yeovil District STAFFORDSHIRE Burton-on-Trent Queens Newcastle-under-Lyme Nuffield North Staffordshire Stafford Staffordshire General Stafford Rowley Hall Stoke-on-Trent Royal Stoke University SUFFOLK Bury-St-Edmunds Bury-St-Edmunds Ipswich Ipswich BMI St Edmunds West Suffolk Ipswich Nuffield Ipswich SURREY Ashtead Ashtead Camberley Frimley Park Caterham North Downs Chertsey BMI Runnymede Chertsey St Peters Croydon BMI Shirley Oaks Epsom Epsom General HospitaL Farnham Spire Clare Park Guildford Nuffield Guildford Guildford BMI Mount Alvernia Guildford Royal Surrey County Horley Spire Gatwick Park Kingston-upon-Thames BMI Coombe Wing Leatherhead Leatherhead Redhill East Surrey Sutton Royal Marsden Weybridge Weybridge Woking Nuffield Woking SUSSEX - EAST Brighton Royal Alexandra Childrens Brighton Royal Sussex County Brighton Sussex Eye Brighton Nuffield Brighton Crowborough Horder Centre Eastbourne Eastbourne District General Eastbourne BMI Esperance Hove Spire Montifiore Lewes Victoria St Leonards-on-Sea Conquest St Leonards-on-Sea Spire Sussex Uckfield Uckfield Community SUSSEX - WEST Chichester Nuffield Chichester Chichester St Richards Crawley Crawley East Grinstead Haywards Heath Haywards Heath Horsham Worthing Worthing Queen Victoria Nuffield Haywards Heath Princess Royal Horsham Worthing BMI Goring Hall TYNE & WEAR Gateshead Queen Elizabeth Newcastle Freeman Newcastle Newcastle General Newcastle Nuffield Newcastle-upon-Tyne Newcastle Royal Victoria Infirmary Newcastle Walkergate North Shields North Tyneside General South Shields South Tyneside District Sunderland Eye Infirmary Sunderland Sunderland Royal Washington Spire Washington WARWICKSHIRE Leamington Spa Nuffield Warwickshire Nuneaton George Eliot Rugby of St Cross Stratford Circle Stratford Clinic Stratford Stratford Warwick Warwick WEST MIDLANDS Birmingham City Birmingham Childrens Birmingham Heartlands Birmingham BMI The Edgbaston Birmingham BMI Priory Birmingham Queen Elizabeth Birmingham Royal Orthopaedic Birmingham Womens Coventry University Coventry Dudley Corbett Dudley Russells Hall Halesowen West Midlands Solihull Birmingham Midland Eye Centre Solihull Spire Parkway Solihull Solihull Sutton Coldfield Good Hope Sutton Coldfield Spire Little Aston Walsall Manor West Bromwich Sandwell General Wolverhampton New Cross Wolverhampton Nuffield Wolverhampton 14

15 WILTSHIRE Marlborough Savernake Salisbury New Hall Salisbury Salisbury District Swindon Great Western Swindon BMI Ridgeway WORCESTERSHIRE Droitwich BMI Droitwich Spa Kidderminster Kidderminster Redditch Alexandra Worcester Worcester Royal Worcester Spire South Bank YORKSHIRE - NORTH Bridlington Bridlington & District Harrogate BMI The Duchy Harrogate Harrogate District Malton Malton Norton & District Northallerton Friarage Scarborough Scarborough General York York District York Nuffield York YORKSHIRE - SOUTH Barnsley Barnsley Doncaster Park Hill Doncaster Royal Infirmary Rotherham Rotherham Sheffield BMI Thornbury Sheffield Sheffield Childrens Sheffield Claremont Sheffield Northern General Sheffield Royal Hallamshire Sheffield Weston Park YORKSHIRE - WEST Bingley Yorkshire Clinic Bradford Royal Infirmary Dewsbury Dewsbury & District Elland Spire Elland Huddersfield BMI Huddersfield Huddersfield Royal Infirmary Keighley Airedale General Leeds Leeds General Infirmary Leeds Spire Leeds Leeds Spire Methley Park Leeds Nuffield Leeds Leeds St James University Pontefract Pontefract General Infirmary Salterhebble Calderdale Royal Wakefield Pinderfields General HULL & EAST YORKSHIRE Cottingham Castle Hill Goole Goole & District Hull Spire Hull & East Riding Hull Royal Infirmary Scunthorpe Scunthorpe General WALES CLWYD Abergele Abergele Rhyl Glan Clwyd St Asaph HM Stanley Wrexham Maelor Wrexham Spire Yale DYFED Aberystwyth Camarthen Camarthen Haverfordwest Bronglais General BMI Werndale West Wales General Withybush General GLAMORGAN - MID Bridgend Diana, Princess of Wales Llantrisant Royal Glamorgan Merthyr Tydfil Prince Charles GLAMORGAN - SOUTH Cardiff Spire Cardiff Cardiff University of Wales GLAMORGAN - WEST Neath Neath Port Talbot Swansea Morriston Swansea Sancta Maria Swansea Singleton GWENT Abergavenny Newport GWYNEDD Bangor Llandudno SCOTLAND CENTRAL Falkirk Stirling Stirling GRAMPIAN Aberdeen Aberdeen Aberdeen Aberdeen Nevill Hall St Josephs Gwynedd Llandudno General Falkirk Royal Infirmary BMI Kings Park Stirling Royal Infirmary BMI Albyn Royal Aberdeen Children s Aberdeen Royal Infirmary Woodend HIGHLAND Fort William Inverness Wick LOTHIAN Edinburgh Edinburgh Edinburgh Edinburgh Livingston Livingston Belford Raigmore Caithness General Spire Murrayfield Wirral Royal for Sick Children Royal Infirmary of Edinburgh Western General St Johns Spire Livingston Physio Clinic STRATHCLYDE Alexandria Vale of Leven Ayr BMI Carrick Glen Ayr Ayr Glasgow Nuffield Glasgow Glasgow BMI Ross Hall Glasgow Southern General Glasgow Victoria Infirmary Greenock Inverclyde Royal Kilmarnock Crosshouse TAYSIDE Arbroath Brechin Dundee Perth Arbroath Infirmary Stracathro BMI Fernbrae Clinic Perth Royal Infirmary NORTHERN IRELAND COUNTY ANTRIM Belfast Belfast City Belfast Musgrave Park Belfast Royal Victoria Belfast Mater Belfast Ulster Independent Clinic Belfast Ulster Lisburn Lagan Valley Newtownabbey Whiteabbey COUNTY ARMAGH Craigavon Craigavon Area COUNTY DOWN Bangor Bangor Community Downpatrick Downe Newry Daisy Hill Newtownards Ards Community COUNTY FERMANAGH Enniskillen South Western Acute LONDONDERRY Ballykelly North West Ind Coleraine Causeway Londonderry Altnagelvin Area Magherafelt Mid Ulster TYRONE Dungannon Omagh South Tyrone Tyrone County CHANNEL ISLANDS Alderney Mignot Memorial Guernsey Princess Elizabeth Jersey Jersey General ISLE OF MAN Douglas Nobles Ramsey Ramsey & District Cottage THE ROYAL OVERSEAS LEAGUE I must thank you wholeheartedly for the way HMCA is looking after me and I will certainly spread the good news of your excellent service. Royal Overseas League member 15

16 WE ARE HERE TO HELP If you wish to discuss your health care requirements or the HMCA Medical Care Plan, please telephone our helpline on (01423) or fax on (01423) or write to: HMCA, Beech Hall Knaresborough, Yorkshire HG5 0EA. Website: www. hmca.co.uk All HMCA paper products from a sustainable source and are recyclable. Beech Hall Circa 1737 Beech Hall, Knaresborough