Health Cash Plan. Plan summary. Help with everyday healthcare costs

Transcription

1 Health Cash Plan Plan summary Help with everyday healthcare costs

2 2 Plan Summary Important Information Health Cash Plan This plan summary contains an outline of the main features of the Benenden Health Cash Plan. This section should be read in conjunction with the terms and conditions, benefit rules and benefit tables. The Benenden Health Cash Plan provides cover that gives you money back towards a range of health care expenses and is arranged and administered by Bupa Insurance Services Limited on behalf of Benenden Wellbeing Limited. The plan is provided by Bupa Insurance Limited. The key features and benefits of your Health Cash Plan Cover is provided without the need for a medical. Payment of set amounts directly to you to help cover the cost of expenses incurred for some health care expenses such as optical, dental, complementary therapies, hospital stays or the birth or adoption of a child. A number of health care benefits and services are available. 100% reimbursement of a range of key benefits up to your annual benefit limits. Set lump sum payments for the arrival of a new baby or the adoption of a child on some plan levels. Individual cover for yourself. You also have the option to cover dependant partners and children with family cover. Set lump sum payments within the personal accident cover. The key limitations and exclusions of your Health Cash Plan To be eligible for cover or to upgrade your plan you must be aged and must be a UK resident. If you increase your cover, you will have to wait for the 52 week qualifying period for the birth and adoption benefit to pass before the higher benefit rates can be paid. If you do upgrade, you will not be allowed to downgrade within 12 months of the date upon which you increase your cover. We will not pay claims for any treatment required as a result of participation in any professional sport or through self-inflicted injury. Plan holders must be living permanently at a UK address in order to qualify for a health cash plan. You can also apply to include a dependant partner and/or up to 4 dependant children. All dependants must be living permanently with you at your UK address. Child dependants can be added up to the age of 24 and must be unmarried and not in a civil partnership. Upon reaching 24 a child dependant will no longer qualify for cover and must apply for a new plan in their own right to continue their cover. We do not have to accept any of your dependants as members of your cover. If we do not accept them as a member we will provide written confirmation of this. You may only claim cash back for goods, services or treatments which have been paid for by you or your dependants and received. We only pay for goods, services or treatments received within the United Kingdom (UK). Goods (including those purchased on the internet) must be provided by a UK based and registered company and you must be invoiced in pounds sterling. We do not pay amounts that you may have been charged by a hospital, doctor or any other person for completing your claim form. Claims for personal accident cover must be submitted within three months. Duration of cover and cancellation rights Your plan will automatically be renewed on a monthly basis provided that you continue to pay your premiums and comply with our terms and conditions. Your plan has a 21 day cooling off period from the date we accept your application. If you cancel within this period, providing you are claim free, we will refund any premiums paid. After the initial 21 days of your plan you may cancel at any time by notifying us in accordance with our terms and conditions. Otherwise we will continue to collect premiums and you will remain covered. Please write to Benenden Health Cash Plan, 1st Floor, Tower Court, Courtaulds Way, Coventry, CV6 5NX. Making a claim Full details of how to claim are included in the terms and conditions under section 6. If you wish to make a claim, claim forms can be downloaded online at or can be obtained by calling our claim line on Once completed, please return your claim form with the required supporting information to Benenden Health Cash Plan, 1st Floor, Tower Court, Courtaulds Way, Coventry, CV6 5NX. If you wish to complain If you have any comments or complaints, you can contact us by phone: If we cannot resolve your complaint immediately we will write to you, within five working days, to acknowledge receipt of your complaint. We will then continue to investigate your complaint and aim to send you our full written final decision within 15 working days. If we are unable to resolve your complaint within 15 working days we will write to you to confirm that we are still investigating your complaint. Within eight weeks of receiving your complaint we will either send you a full written final decision detailing the results of our investigation or send you a letter advising that we have been unable to complete the review of your complaint. If you remain dissatisfied after receiving our final decision, or after eight weeks you do not wish to wait for us to complete our review, you may refer your complaint to the Financial Ombudsman Service. You can write to them at: Exchange Tower, London, E14 9SR or call them on (free for fixed line users) or (free for mobilephone users who pay a monthly charge for calls to numbers starting 01 or 02). For more information you can visit Your complaint will be dealt with confidentially and will not affect how we treat you in the future. Whilst we are bound by the decision of the Financial Ombudsman Service, you are not. For plan holders with special needs we can offer a choice of Braille, large print or audio for correspondence and marketing literature. Please get in touch on to let us know which you would prefer. Compensation Bupa Insurance Limited and Bupa Insurance Services Limited are members of the Financial Service Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event that we cannot meet our financial obligations to you. This depends on the type of business and the circumstances of the claim. The FSCS may arrange to transfer your plan to another insurer, provide a new plan or, where appropriate, provide compensation. Further information about compensation scheme arrangements is available from the Financial Services Compensation Scheme on , on its website or by post at FSCS, 7th Floor, Lloyds Chambers, Portsoken Street, London, E1 8BN. Examples of total cost The table below shows the total cost of cover over different periods, based on current contribution rates. plans month Terms and conditions These terms and conditions, along with the Benefit Rules, benefit table and Application Form, make up the Plan Agreement between the plan holder and us. If you have another cash plan or insurance plan covering costs that you are claiming for, plan holders are not eligible to claim under this plan for costs which have already been reimbursed by another. Plan holders with another policy should provide us with full details of this plan or plans as soon as possible. Plan holder information Level Level Level Level plans month Level Level Level Level Joining and upgrading 1.1 Apply to join: Via the web, by completing the application form at In writing by completing an application form and sending it to Benenden Health Cash Plan, 1st Floor, Tower Court, Courtaulds Way, Coventry, CV6 5NX. 3

3 By telephoning and applying over the telephone We will accept applications under Power of Attorney with the relevant paperwork. 2. Premiums 2.1 Premiums will be payable monthly in advance, by direct debit depending on the date you select on the application form. 2.2 The first premium collected will include any proportional payment days of cover prior to the first date a payment is collected. 2.3 The and plans are available on four premium levels payable monthly: Monthly rates 3.5 The adoption grant may not be claimed in respect of children aged 16 s or over. 3.6 Benefits under complementary therapies must be carried out by a qualified practitioner recognised by us. 3.7 All benefits are payable for goods, services or treatments received only in the United Kingdom. This does not include Personal Accident cover which is applicable worldwide. 4. Qualifying periods 4.1 All new plan holders, additional adults or dependants, or those who transfer to a higher level of cover will have to wait the 52 week qualifying period for birth and adoption grants, before being eligible to claim. 4.2 If the plan holder downgrades their plan level, qualifying periods will not be re-applied. 4.3 When a plan is reinstated following re-payment of arrears, the birth and adoption qualifying period will be re-applied. 5. Benefit rules 5.1 The benefit period is the period of time over which each benefit can be claimed. 5.2 The benefit period runs for 12 months from your start date and each consecutive 12 month period from the anniversary date of your plan moving forward. 5.3 All benefits operate a one benefit period with the exception of the birth/adoption grant which is paid per child. 5.4 The benefit period into which a claim falls is determined by the date on which goods, services or treatments are received or take place, not the date on which the claim is submitted. 5.5 Any monetary benefit still available at the end of the benefit period will be lost and will not roll over into the next benefit period. 5.6 Any up or down grading will not affect the benefit period. 5.7 If you upgrade or downgrade your cover, any benefits paid at the old level will count towards the benefit limits available to claim on the new plan level. 6. Claiming 6.1 Claim forms are supplied by us and are available by telephoning , or can be downloaded from the website Claims must be submitted using the appropriate claim form. 6.3 Claims must be submitted with a copy of your bill/ receipt showing full name and address details. 1.2 plans are available for individuals and plans are available for either one or two adults and dependant children. 1.3 To be eligible to apply for this plan, all adult plan holders must: Reside permanently within the United Kingdom for the duration of the plan. Be aged s of age at the time of application. 1.4 You can apply to include your partner and/ or dependant children on your plan at any time, if they meet the criteria in 1.2 and 1.5 and you pay the appropriate increase in premium. 1.5 A dependant child is eligible for cover between the ages of 0-24 s, who are permanent residents at the same address as the plan holder, are unmarried and are not in a civil partnership. 1.6 Children must upgrade to the adult scheme upon their 24th birthday to continue with cover, unless they are in full time education. 1.7 You do not need a medical to apply for cover. 1.8 If you do not take reasonable care to provide us with full, complete and accurate information in your application (for a plan or for any change to your plan), then we may have the right to treat your plan as if it had not existed, or to refuse to pay all or part of a claim. If you do not take reasonable care to provide full and accurate information in relation to the other people to be covered under the plan, it may affect cover for those people. 1.9 If any of the information you provide to us as part of your application or for any change to your plan, you should notify us in writing or by phone as soon as possible Your plan will renew on a monthly basis provided that we continue to receive your subscriptions when or before they are due. We will therefore not supply renewal notices or documentation and you should ensure that you retain all original membership documents including this plan summary We reserve the right to decline an application for cover or an upgrade to a plan when this would be detrimental to the scheme and/or a significant number of our plan holders You must satisfy yourself that this plan and the level of cover you decide to apply for are right for you. We will not provide any advice in this regard but you are free to seek information or advice from a professional adviser. Level Level Level Level The level of premium paid determines the level of benefits available. 2.4 Our subscriptions include Insurance Premium Tax (IPT). If the government changes the rate of IPT we reserve the right to amend your subscriptions from the date that the IPT rate change takes effect. 2.5 If no premiums are paid for 4 consecutive weeks, and we have written to you (at the last address you provided) to request payment, the plan will cease due to non-payment. The plan may be reinstated providing all arrears are paid but the qualifying periods may be re-applied. 2.6 Where a benefit under the plan is underwritten by another insurer. 3. Benefits 3.1 Total benefits payable for each feature under the single plan are as stated in the benefits table. 3.2 Total benefits stated under the plan for dental, optical, complementary therapies, hospital in-patient and hospital day surgery are the maximum benefit payable across all individuals covered under the plan unless otherwise stated. 3.3 All aspects of personal accident cover are only payable to adults. 3.4 Benefits payable for personal accident claims under a plan to adults, are quoted per adult, to a maximum per claim as stated on the benefits table. We cannot return originals apart from when dealing with the receipts or certificates that have been provided in support of your claim. 6.4 Copies of all original receipts and certificates must be provided with the claim form and will be retained by us. 6.5 Receipts that have been altered will be rejected. 6.6 Claims will not be accepted for free NHS treatment, or against the value of the NHS vouchers, for any medical treatment or consultations. 6.7 Claims will not be paid: Until one premium has been received. For any treatment required as a result of taking part in any professional sport, or for self-inflicted injuries. For any illness, injury or condition that existed prior to plan registration date or upgrade, with the exception of optical and dental claims. For goods, services or treatments received outside of the United Kingdom or by a company that is not based or registered within the UK. For any treatment carried out during the qualifying period if applied. Any charges made by a hospital, practitioner or other for filling in a claim form or for providing information we request relating to a claim. 6.8 Additional medical clarification may be required. 6.9 Fees incurred for doctor s referral or for medical information to support a claim are the responsibility of the claimant All benefits claimed will be paid to you and not to your dependants and will be paid to the bank account from which premiums are collected. 7. Personal Accident Cover 7.1 The personal accident cover is provided by The personal accident cover is provided by Chubb Insurance. 7.2 Cover applies to all plan holders 18 s old and over. 7.3 Benefits under a Plan are quoted per adult, children do not qualify for the Personal Accident benefit. 7.4 If more than one injury results from an accident the benefits for each injury will be added together, but the total benefit payable will be limited to the total plan level. 4 5

4 6 7.5 There will be no cover for any claim resulting from a) an insured person engaging in active service in the armed forces for any nation; b) an insured person committing or attempting to commit suicide or intentionally inflicting self-injury; c) an insured person engaging in flying or other aerial activity other than as a passenger; d) injuries resulting from Osteoporosis disease; e) deliberate exposure to exceptional danger (except in an attempt to save human life), the insured persons own criminal act or an insured person engaging or taking part in civil commotion or riots of any kind; f) an insured person being in a state of insanity (temporary or otherwise) or any psychiatric mental, nervous or stress-related disorder or anxiety state; g) an insured person engaging in or taking part in rock climbing or mountaineering normally involving ropes or guides, hang gliding, parachuting or driving or riding in any kind of race; h) war within the insured persons country of permanent residence; i) an insured person participating in any sport as a professional; j) radioactive contamination; k) pregnancy or childbirth. 7.6 Personal accident cover will cease if contributions are not up to date. 7.7 English law governs all claims for benefit. 7.8 The conditions shown on page 11 are only a summary of cover. Amounts shown for the Personal Accident benefit apply only to the lifetime of your plan and are not annual benefit amounts. For more information about the benefit levels for personal accident please see the table on page Cancellation and termination of cover 8.1 All cover and benefits will automatically cease for the named person(s) under that plan if: A new plan is cancelled within 21 days of the plan start date. An upgrade to a plan is cancelled within 21 days of the upgraded plan start date, in which case your cover and benefits will revert to the level of your old plan. At any time the plan is cancelled by the plan holder, giving 30 days notice in writing or by phone. 8.2 We reserve the right to cancel a plan at any time by giving no less than 30 days written notice. 8.3 We reserve the right to cease a plan if the plan holder is not eligible for cover. 8.4 Fraudulent Claims In this clause 8.4, where we refer to you this includes anyone acting on your behalf, where we refer to partner or dependant this means a partner or dependant covered by this plan and includes anyone acting on their behalf. You and any partner or dependant covered by the plan, must: - not make a fraudulent or exaggerated or falsely stated claim under this plan; - not send us fake or forged documents or other false evidence, or make a false statement in support of a claim; and/or - provide us with information which you or any partner or dependant covered by the plan knows would otherwise enable us to refuse to pay a claim under this plan. In the event of failure to comply with this clause 8,4 above, we reserve the right to: - refuse to pay the whole of the claim; and/or - recover any payments we have already made in respect of the claim. In addition, if you breach this clause 8.4 then we reserve the right to notify you that this plan has terminated from the date of the breach of clause 8.4, and not refund any premium. If only your partner or a particular dependant has breached clause 8.4 then we reserve the right to notify you that the cover under this plan for your partner or that particular dependant has terminated from the date of the breach of this clause 8.4, and not refund any premium for that cover. 8.5 Misrepresentation In this clause 8.5, where we refer to you this includes anyone acting on your behalf, where we refer to partner or dependant this this means a partner or dependant covered by this plan and includes anyone acting on their behalf. You and your partner or any dependant must take reasonable care to make sure that all facts and information that you provide to us are accurate and complete at the time you take out this plan and at each upgrade, downgrade or other change made at your request to this plan. Please note that you must exercise reasonable care when you provide us with information about your partner or any dependants. If you or your partner or any dependant: - deliberately or recklessly give us inaccurate or incomplete information; and/or - do not take reasonable care to give us accurate and complete information (for example if you inadvertently or carelessly answer a question incorrectly) in circumstances where we would not have issued, upgraded or downgraded your plan or made any other change you request to your plan, had we known about such information, we reserve the right to exercise the following rights: - where it is you who failed to comply, we reserve the right to avoid this plan. This means that we will treat it as if it had not existed from the start date or the date we made the relevant changes to your plan, as the case may be; or - where it is only your partner or a dependant who has failed to we reserve the right to avoid that part of this plan which applies to your partner or dependant, as the case may be. This means that we will treat it as if such person was not covered by this plan from the start date or the date that the relevant changes were made to the plan, as the case may be. 9. Data protection and complaints. 9.1 The confidentiality of our customers personal information is of paramount concern to us. To this end, we comply with data protection legislation and medical confidentiality guidelines. We will process your personal information securely and accurately in accordance with our obligations and your rights under the Data Protection Act Medical information will be kept confidential. It will only be disclosed to those involved with your treatment or care. 9.3 Information that you provide in applying for your Benenden Health Cash Plan at the inception of your plan and/or in support of any claim, will be used by us to administer your plan. Please see our privacy notice at for further information. 9.4 The personal information processed by us in providing and administering your plan and/or in support of any claim may also be shared with Benenden and its wholly owned subsidiaries to enable them to manage their relationship with you as a Benenden customer and maintain and update their customer records. You can review the Benenden privacy notice which is available at The Benenden Health Cash Plan is governed by English law and all documents will be provided in English. 10. Making changes Changes we can make We may change the terms and conditions of your plan upon 30 days notice. These changes could affect for example: - how much the premium will be - how often you have to pay premium - the benefits we will pay - the terms and conditions governing your plan. Your premium may increase when we change the terms and conditions of your plan. If you choose to increase your membership level then you will need to pay any increase in premium in order to continue your plan. You may end your plan if you do not accept the changes and tell us this before the end of the 30-day notification period. If you do end your plan within the 30 days because you do not accept the changes, we will treat the changes as not having been made and will terminate your plan at the end of the 30-day period and, if applicable, will provide a pro-rata refund of premium from the termination date. Changes you can make You should call, or write to tell us if you change your address. If you do not contact us to tell us you have changed your address we will not be able to notify you of changes to your plan and any written communication will be issued to the address you last gave us. You can change your plan level, and add or remove partners and/or dependant children, should you meet the criteria set out in section 1. Any upgrade to your plan level will take effect for a minimum of 12 months. Should you wish to cancel your plan during this time you can do so by following the actions outlined in section 8. Should you wish to decrease your plan level following this 12 month period, you can do so by following the actions outlined in Section 8.1. Benefit rules The maximum cover is the maximum payable per benefit period. All benefits under a single plan are per adult, benefits under a plan are shared between all members of the plan. Members of a plan can include one or more adults and dependant child residents at the same UK address. 7

5 Optical maximum cover 100% of the amount paid, up to the appropriate maximum, including glasses with prescribed lenses, prescribed contact lenses and routine sight tests when provided by a qualified ophthalmic practitioner, corrective laser eye treatment carried out by an ophthalmic surgeon who is a consultant. Excluded are claims for eyewear that is not prescribed, missed appointment fees, optical insurance or plan fees, items that are not prescribed or part of a regular prescription such as (but not limited to) solutions, chains, cases and administration fees or charges for completing claim forms. Dental maximum cover 100% of the amount paid, up to the appropriate maximum, for dental services provided by a dental professional. Excluded are any services where the fees that you have paid relate to a dental insurance or treatment plan, whether or not you receive any treatment, tooth cleaning and tooth whitening materials and kits purchased for home use, any medications prescribed or non-prescribed, missed appointment or registration fees and administration fees or charges for completing claim forms. Complementary therapies Level Level Level Level Level Level Level Level Level Level % of the amount paid, to the appropriate maximum, to a qualified chiropractor, acupuncturist, osteopath or homeopath practitioner only. Appointments include initial assessment appointments and all treatments must be carried out by qualified practitioners. Excluded are charges for associated prescription fees or medication and any administration fees or charges for completing claim forms. Hospital in-patient Level 3 Level 4 Plan max of 400 max of 640 Plan max of 875 night to a max of 1400 per Benefit is payable for each overnight stay in hospital, to a maximum number of nights, as stated, over a one benefit period. The maximum number of nights for chronic, elderly care or psychiatric cases shall be 40 for a single plan and 90 for a family plan, over the whole contract period, though other non-related conditions may be claimed for. Please note; excluded is the first night of each claim. Also excluded: geriatric care, in-patient treatment which is not provided by and where the overall responsibility does not rest with a consultant, hospital admissions arranged for social or domestic reasons, convalescence care or rehabilitation, cosmetic or reconstructive surgery undergone for cosmetic or psychological reasons (however, we will pay benefits if the treatment is for a surgical operation to restore a plan holders appearance after an accident or surgery for cancer), the first 10 nights of a plan holders maternity in-patient hospital stay, a hospital attendance for casualty or emergency treatment which does not require a formal admission to a hospital bed, mental health or addictive conditions and any administration fees or charges for completing claim forms. Hospital benefit is also payable for the mother in addition to the birth and adoption grant from the tenth night onwards. Hospital day surgery Level 3 Level 4 Plan max of max of 320 Plan night to a max of 500 per night to a max of 800 per For each day in hospital for a surgical procedure, to the maximums stated over a one benefit period. Included is admission for a day in a ward or unit for treatment, diagnosis or investigations. Excluded is cosmetic or reconstructive surgery undergone for cosmetic or psychological reasons (however, we will pay benefits if the treatment is for surgical operation to restore a plan holders appearance after an accident or surgery for cancer), a hospital attendance for casualty or emergency treatment, which does not require a formal admission to a hospital bed, any admissions that are not classed as day-case e.g. treatment not in a hospital, respite care, out-patient check-ups, outpatient scans, any administration fees or charges for completing claim forms or claims made for laser eye surgery which is covered under the optical benefit. Birth and adoption benefit Plan Level Level Level Plan Paid as a single lump-sum in the event of either birth or adoption, the benefit is payable per child. This grant is also paid for a still birth if an official certificate is submitted. Exclusions: Claims may not be submitted in the first 52 weeks of holding the plan and all certificates submitted must be dated 52 weeks after the plan start date. This benefit is not payable to dependants. Children already registered under a plan may not subsequently be the subject of an Adoption Grant by either parent. Personal accident The Personal accident cover is provided by Chubb Insurance. Cover applies to all customers over the age of 24 s. If more than one injury results from one accident the benefits for each injury will be added together, but will be limited to the total claim allowed for that level e.g. ( 10,000). There will be no cover for any claim resulting from war, self-inflicted injury, suicide or flying, except as a fare paying passenger. Personal accident cover will cease if contributions are not up to date. Claims must be submitted within 3 months of the date of the incident. English law governs all claims for benefit. Amounts shown for the Personal Accident benefit apply only to the lifetime of your plan and are not annual benefit amounts. For more information about the benefit levels for personal accident please see the summary benefits table. Definitions Acupuncturist Acupuncturist means an acupuncturist, recognised by us or registered as a Member or Fellow of the British Acupuncture Council (MBAcC or FBAcC), British Medical Acupuncture Society (BMAS), or Acupuncture Association of Chartered Physiotherapists (AACP), at the time you receive your treatment. You can contact the organisations on (AACP), (BMAS) or (MBAcC) to see if the practitioner is registered. Benefit period Means a 12-month period commencing on your registration date or an anniversary of your registration date. Chiropractor Means a chiropractor, recognised by us or registered as a member of the General Chiropractic Council (GCC), at the time you receive your treatment. You can contact the GCC on to see if the practitioner is registered. Complementary therapies Chiropractic treatment, acupuncture, osteopathy or homeopathy. Dentist Means anyone that is registered with the General Dental Council and practises in the UK. Dependant child Means any child of you or your partner s who is a member of the cover. Children must be 24 or under and living at home. Level Level

6 plan A plan for you, and (at your option) your partner, and children, for whom one, either or both you or your partner have parental responsibility and who are permanent residents at the same address. This includes adopted children. Fracture Break of major arm bone(s). (Radius, Ulna &/or Humerus) Break of major leg bone(s). (Femur, Tibia &/or Fibula). Homeopath A Homeopath recognised by us at the time you receive your treatment. Hospital Any NHS hospital or private hospital which has facilities for major surgery or which exists principally for the provision of treatment by consultants. Hospital day surgery Admission to hospital, for surgery, out of a medical necessity but not staying overnight or receiving surgical procedures at a GP medical practice. Hospital in-patient A patient who occupies a bed overnight, in hospital, for medical reasons. The patient will only be classed as an in-patient if they are admitted before midnight. Optician A fully qualified optician. The optician must be a current member of the General Optical Council. Osteopath Means an osteopath, recognised by us or registered as a member of the General Osteopathic Council (GOC) at the time you receive your treatment. You can contact the GOC on to see if the practitioner is registered. Our/we/us Bupa Insurance Limited as the insurer of this plan and Bupa Insurance Services Limited, acting on behalf of Benenden Wellbeing Limited, as the arranger and administrator of this plan. Partner Your husband or wife (or the person you live within a relationship similar to that of a husband or wife whether same sex or not). Permanent and total disablement A disablement that it is believed you will never recover from. The disablement will mean you are unable to work in your own or in any occupation for which you are suited by training, education, or experience. Plan This cash plan provided by us. Qualifying period Means a period of time that must elapse before we will accept claims for particular benefits. This applies on an individual basis from the date you join the plan or from the date of upgrade with regards to increased benefit levels. Registration date Means the registration date shown in the letter we send you welcoming you as a plan holder. plan named adult plan holder 17 s old or over. Total loss A complete and irrevocable loss. UK The United Kingdom of Great Britain and Northern Ireland. You/your Plan holder. Further information Changing the underwriter of the Benenden Health Cash Plan From time to time, if Benenden Wellbeing Limited (BWL) consider it appropriate or in your interests, BWL may change the insurer providing the Benenden Health Cash Plan. If BWL are to change the insurer for the health cash plan, they, or the new insurer, will contact you and provide you with their details, and the terms of the health cash plan they will offer. You will be provided with this information unless you tell them otherwise. You may also ask BWL not to provide you with this information at any time by contacting Benenden Health Cash Plan, 1st Floor, Tower Court, Courtaulds Way, Coventry, CV6 5NX. If you choose not to receive this information and BWL do change the insurer of the health cash plan they will notify you that the health cash plan will no longer be available to you. Where BWL notify you of a different insurer for the health cash plan you authorise them, the new insurer, or an associated company of the insurer, to provide you with the health cash plan unless you tell BWL otherwise. Details of how you tell them will be provided with the information sent to you. If BWL do change the insurer for the health cash plan you authorise them or the existing insurer to provide your payment details to the new insurer. Level Total claim allowed 10,000 Accidental death 10,000 Permanent total disablement 10,000 Permanent and incurable paralysis of all limbs 10,000 Permanent and incurable insanity 10,000 Loss of entire sight of both eyes 10,000 Permanent loss of use of both hands and both feet 10,000 Permanent loss of entire sight in one eye 5,000 Loss of use of one hand or foot 5,000 Permanent total loss of hearing in both ears 5,000 Permanent loss of hearing in one ear 1,500 Permanent total loss of use of the lens in one eye 2,500 Permanent loss of use of four fingers and thumb in either hand 4,000 Permanent total loss of the use of four fingers on either hand 0 Permanent total loss of use of fingers of either hand: a) Three joints b) Two joints c) joint Permanent loss of either thumb: a) Both joints b) joint Permanent total loss of use of toes: a) All one foot b) Big toe both joints c) Big toe one joint d) Other than big toe (each toe) Your details will only be used to continue your health cash plan with the new insurer after you have been provided with the information referred to above and you have been told what is happening. If you have made advance payments you authorise the existing insurer of the health cash plan to pass them to the new insurer, or an associated company of the new insurer, for payment of future premiums. Personal Accident Cover Annual benefit limit ,000 1,000 1, Established non-union of fractured leg or knee-cap 1,000 Shortening of the leg by at least 5cm 750 Funeral expenses following accidental death 2,

7 Summary benefits table Level 1 Level 2 Level 3 Level 4 Monthly premium Optical cover 100% Dental cover 100% Complementary therapies (Chiropractic, acupuncture, osteotherapy, homeopathy) 100% Birth and adoption grant* Per child Hospital in-patient Benefit per night Hospital day surgery Benefit per day Personal Accident cover** (Worldwide, Adult cover only) ,000 per adult across all levels of cover for Personal Accident cover. Amounts are payable over the lifetime of the plan and are not annually renewing benefit limits. *Birth and adoption grant above has a 52 week qualifying period. **Children are not eligible for Personal Accident Cover or the Birth and adoption grant. Child cover is only available through the Plan. Premiums detailed are monthly amounts. benefits reflect the maximum benefit level to be shared amongst all family members they are not a benefit per individual. Limits shown are the maximum available to claim in a 12 month benefit period. Calls to 0800 numbers are free from BT landlines however charges may apply from other providers. Calls from mobile phones may also incur charges. Please note that your call may be recorded and monitored for our mutual security and also for training and quality purposes. Lines are open Monday- Friday 8am-6pm and Saturday 8am-1pm. Benenden is a trading name of The Benenden Healthcare Society Limited and its subsidiaries. Benenden Health Cash Plan products are offered by Benenden Wellbeing Limited, which is a wholly owned subsidiary of The Benenden Healthcare Society Limited. Benenden Wellbeing Limited is registered in England and Wales No Benenden Wellbeing Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Benenden Wellbeing Limited, Holgate Park Drive, York, YO26 4GG. The health cash plan products are provided by Bupa Insurance Limited. Registered in England and Wales No Bupa Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Arranged and administered by Bupa Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority. Regulated in England and Wales No Registered office: Bupa House, Bloomsbury Way, London WC1A 2BA. Cert no. SGS-COC-2969 Cert no. SGS-COC /007 LFT/BHCPPS/JW03/04.15/V1