Associates Private Medical Trust Guide

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Associates Private Medical Trust Guide"

Transcription

1 Associates Private Medical Trust Guide Effective from 1 April 2012

2 Welcome to the Honda Associates Private Medical Trust This guide provides an overview of the benefits available to you under your Private Medical Trust, as well as the process you should follow to use them. If you have any questions relating to any aspect of the Honda Associates Private Medical Trust, please call Your Private Medical Trust has been designed by Honda to provide you with fast access to treatment in the event of an illness or injury, supporting the NHS. Your Private Medical Trust is administered by Simplyhealth, a leading medical benefits provider that specialises in managing the corporate healthcare schemes of major organisations. The Honda Associates Private Medical Trust Helpline There is a dedicated Helpline available to make accessing private treatment and the claims process as easy as possible. As there are some healthcare costs that are not covered by your Private Medical Trust, it is important that you contact the Helpline before arranging treatment. If you undergo treatment that has not been authorised by the Helpline, you will have to pay some or all of the costs. When you call the Helpline, you will be asked some questions to confirm your cover, such as: What medical condition are you suffering from? When did your symptoms begin? When did you first see your GP about this condition? What is the name of your specialist/therapist? What treatment has been recommended? When is your treatment due to take place? What are you covered for? Your Private Medical Trust is designed to cover treatment for curable short term illnesses or injuries, known as acute conditions. Your scheme does not cover long term chronic conditions. There are also a number of conditions and treatments which are not covered such as normal pregnancy and child birth, psychiatric conditions and cosmetic treatment, other than as a result of an accident or illness. You must contact the Helpline before undergoing treatment to ensure the cost of your treatment will be covered. If you do not do this, you may have to pay for some, or all, of the cost of your treatment. Call the Helpline before arranging any treatment Helpline Monday to Friday 8 am to 6 pm

3 Table of benefits Benefits payable subject to the terms and conditions and the annual maximum Annual maximum Cash benefit Member contribution In-patient and day-patient treatment Out-patient treatment Other services Overall maximum benefit When elective in-patient treatment is received as an NHS patient without charge 1 Charges made by a private hospital for accommodation and nursing Charges made by a private hospital for: Operating theatre, drugs, dressings, eligible surgical appliances and prostheses used in connection with treatment, physiotherapy, other ancillary charges and diagnostic tests including pathology, X-rays, ECGs and all medical scanning and imaging techniques Oncology including radiotherapy and chemotherapy Fees for consultations and treatment charged by specialists including surgeons and anaesthetists Physicians fees Consultations, treatment, physiotherapy provided by a state registered physio-therapist, chiropractic treatment, osteopathy and podiatry provided by a therapist and diagnostic tests including pathology, radiology, ECGs and ultrasound scans Computerised tomographic and magnetic resonance imaging scans (CT and MRI) Radiotherapy and chemotherapy, including chemotherapy given at home when arranged by a specialist Nursing at home arranged by a specialist for medical reasons following in-patient or daypatient treatment Transport by private ambulance in the UK when medically necessary for the purpose of treatment Contribution towards the completion of a claim form by a GP, if required 25,000 per associate per rolling 12 month period 100 per night subject to an aggregate annual maximum of 2,500 per benefit year 100 per claim The BMI Ridgeway Hospital 2 Other Hospitals 3 Up to a maximum of 235 per day up to the amount shown in the fee schedule 4 up to the amount shown in the fee schedule 4 to an aggregate annual maximum of 13 weeks up to the amount shown in the fee schedule 4 up to the amount shown in the fee schedule 4, subject to an aggregate annual maximum of 575. up to the amount shown in the fee schedule 4, subject to an aggregate annual maximum of 13 weeks up to the amount shown in the fee schedule 4 subject to an aggregate annual maximum of 575 subject to an aggregate annual maximum of 1, per claim form 15 per claim form 1 Emergency treatment is not elective and therefore not eligible for NHS cash benefit. 2 Your Private Medical Trust has specially negotiated rates with the BMI Ridgeway Hospital, Swindon. 3 The limits for using another hospital are applicable if you live within 30 miles of the BMI Ridgeway Hospital but choose to attend an alternative hospital where treatment is available. 4 Fee schedule: Please go to the Healthcare Professionals section of to check fees ahead of your treatment.

4 Cash plan If you are a member of a cash plan, please be aware that you will not be able to claim back the Medical Trust member contribution via your cash plan as a diagnostic consultation. Which hospitals can be used? All treatment should take place at The BMI Ridgeway Hospital in Wroughton, Swindon. However, if you live more than 30 miles away from the BMI Ridgeway Hospital, or treatment is not available at this hospital, then you may use an alternative hospital. Please contact the Helpline for confirmation of this. NHS 4 week waiting period Where an Associate needs to be admitted to hospital for eligible in-patient or day-patient treatment, this will only be funded privately by the Honda Private Medical Trust if NHS admission cannot be made within four weeks of diagnosis. NHS cash benefit If you choose to be treated as an NHS patient for which no charge is made, you may be able to claim a tax free cash benefit for each night you spend in hospital. NHS cash benefit is not payable for emergency admissions. Musculoskeletal treatment As a Honda Associate you have access to fast, convenient treatment through your on-site physiotherapy service. Appointments with an on-site therapist can be arranged through Occupational Health at HUM and you will not require a referral from your GP. If on-site physiotherapy is unavailable to you then Occupational Health may refer you for treatment through Simplyhealth s managed network of physiotherapists. Cover for existing medical conditions All Associates are able to join the Private Medical Trust without the need to declare their medical history. However, Associates registered after 1st July 2005 will not be covered for the treatment of a medical condition for which they have sought medical advice, received treatment, or were aware existed (known as a pre-existing condition) prior to joining. Example Your joining date was 2nd July 2011 and on 27th October 2011 you wished to make a claim for a heart condition, will the claim be accepted? The claim would only be eligible if you were unaware of any previous problems, and did not receive any treatment, medication, tests or advice prior to joining. Call the Helpline before arranging any treatment Helpline Monday to Friday 8 am to 6 pm

5 Private Medical Trust For advice and treatment authorisation telephone the Helpline on (8am 6pm Monday to Friday) Calling the Helpline Contact the Helpline before you receive private medical treatment or if you are unsure of any aspect of your cover. Monday to Friday 8 am to 6 pm Your calls may be recorded and monitored for training and quality assurance purposes. Full details about the Honda Limited Healthcare Plan, including details of your benefits, copies of Plan literature, how to contact Simplyhealth and make a claim, as well as links to other useful websites can be found on the Plan Microsite https://www.simplyhealth.co.uk/honda

6 Please call the Honda Helpline before booking any treatment, if: Your GP refers you for private medical care Your specialist/therapist recommends further treatment or investigations You need to be admitted to hospital You need to make a claim You can also view the complete terms and conditions of your Private Medical Trust, including details of your claim, by registering for Simplyhealth s online service, myplan. To register, Once registered simply logon to https://myplan.simplyhealth.co.uk

7 How to use your Healthcare Scheme It is important that you call the Helpline on before you receive any medical treatment you think you may need to claim for. Failure to do so could result in you having to pay the cost of any treatment that is not covered by the Scheme. Where an Associate needs to be admitted to hospital for eligible in-patient or day-patient treatment, this will only be funded privately by the Honda Private Medical Trust if NHS admission cannot be made within four weeks of diagnosis. Be guided by your General Practitioner (GP). They should always be consulted first, except in the case of emergencies, or where you require musculoskeletal treatment which has been authorised by the Helpline If you are suffering from a musculoskeletal injury and think you may need treatment such as physiotherapy: Please seek advice from Occupational Health as you may be able to see an on-site physiotherapist without the need for a GP referral. If your GP refers you for diagnostic tests or to see a specialist/therapist: Ask your GP for the name of your specialist/therapist. Call the Helpline on Member contribution per claim. When you see the specialist: Take the authorisation letter (claim form) with you. If your specialist recommends treatment, diagnostic tests or referral to a therapist: Call the Helpline on prior to arranging treatment. If you need to be admitted to hospital: Call the Helpline on who may arrange for your treatment to be monitored by our clinical care managers. When you leave hospital: You will need to settle any personal expenses such as newspapers, telephone calls, alcoholic beverages or visitors meals. If your specialist recommends nursing at home or out-patient treatment: Call the Helpline on to obtain authorisation. Call the Helpline before arranging any treatment Helpline Monday to Friday 8 am to 6 pm

8 Data Protection Simplyhealth Data Protection Notice Simplyhealth fully complies with the Data Protection Act Full details can be found in your Associate Handbook. Administration of the Private Medical Trust The administrator of the Honda Private Medical Trust is Simplyhealth. Simplyhealth is the trading name of Simplyhealth Administration Services Ltd. Medical information All medical information will be kept confidential. Information will only be given to those involved with your treatment or care, your GP or their agents or any other organisation or individual who may be responsible for meeting the cost of your treatment. Member communication All documents regarding your membership or any claim will be sent to the principal member. Telephone calls Your calls may be recorded and monitored for training and quality assurance purposes. Contact Questions and Complaints We have every reason to believe that you will be totally satisfied with the Honda Private Medical Trust. However should you have any questions or cause for concern relating to your Private Medical Trust or service, please write quoting your full name and your company name, together with full details of your query or complaint, to: The Customer Services Manager Simplyhealth James Tudor House 90 Victoria Street Bristol BS1 6GH Fax: Simplyhealth is a trading name of Simplyhealth Administration Services Limited, registered and incorporated in England and Wales, No Registered office: Hambleden House, Waterloo Court, Andover, Hampshire, SP10 1LQ. Simplyhealth Administration Services Limited is an appointed representative of Simplyhealth Access which is authorised and regulated by the Financial Services Authority. Your calls may be recorded and monitored for training and quality assurance purposes. SP0043/0412

BUPA SELECT KEY POLICY SUMMARY. Effective from 1 January 2014. bupa.co.uk BUPA. HELPING YOU FIND HEALTHY

BUPA SELECT KEY POLICY SUMMARY. Effective from 1 January 2014. bupa.co.uk BUPA. HELPING YOU FIND HEALTHY 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.

More information

Flexible medical benefits designed for today's world

Flexible medical benefits designed for today's world 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

More information

worldwide health insurance: perfectly formed

worldwide health insurance: perfectly formed 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

More information

Preferential The health plan that provides comprehensive private medical insurance cover

Preferential The health plan that provides comprehensive private medical insurance cover 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

More information

Priority Health. Priority Health and Priority Health 6 Summary. October 2014. Page 3

Priority Health. Priority Health and Priority Health 6 Summary. October 2014. Page 3 Priority Health Priority Health and Priority Health 6 Summary October 2014 Page 3 Contents About this summary 3 What is Priority Health? 4 1 Your Core health insurance 5 2 Choose your Add-ons 6 3 Find

More information

Quality medical benefits for companies with 3 29 employees

Quality medical benefits for companies with 3 29 employees 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

More information

The Birmingham City University Healthcare Plan Handbook

The Birmingham City University Healthcare Plan Handbook The Birmingham City University Healthcare Plan Handbook Effective from 1 August 2014 Contents Welcome 1 How to use your Healthcare Plan 2 Monitor your claims online 2 How to make a claim 3 Rapid Access

More information

Tesco Private Healthcare Plan. Effective from 1 March 2016. Administered by Bupa. bupa.co.uk

Tesco Private Healthcare Plan. Effective from 1 March 2016. Administered by Bupa. bupa.co.uk 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

More information

Guide to Private Medical Insurance

Guide to Private Medical Insurance 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

More information

Bupa Select. Policy summary

Bupa Select. Policy summary Bupa Select Policy summary Effective from 1 January 2012 Welcome to Bupa Select (the scheme). This policy summary contains key infmation about the scheme. You should read this carefully and keep it in

More information

YOUR LIFE YOUR HEALTH YOUR BENEFIT. Welplan Health Care Scheme MEMBER SUMMARY. Effective from 1 April 2015. bupa.co.uk

YOUR LIFE YOUR HEALTH YOUR BENEFIT. Welplan Health Care Scheme MEMBER SUMMARY. Effective from 1 April 2015. bupa.co.uk 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

More information

choices Private Medical Insurance designed for today's world Arranged by UK

choices Private Medical Insurance designed for today's world Arranged by UK 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

More information

MEMBER SUMMARY YOUR LIFE YOUR HEALTH YOUR BENEFIT. SELECT Staff Scheme. Effective from 1 September 2014. bupa.co.uk

MEMBER SUMMARY YOUR LIFE YOUR HEALTH YOUR BENEFIT. SELECT Staff Scheme. Effective from 1 September 2014. bupa.co.uk 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

More information

Private Medical Insurance. Flexible medical benefits designed for today's world. Changing the image of insurance.

Private Medical Insurance. Flexible medical benefits designed for today's world. Changing the image of insurance. 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

More information

the natural choice for health insurance

the natural choice for health insurance the natural choice for health insurance 2 CONTENTS Welcome 3 Handpick your Healthcare 4 The Finishing Touches 4 Benefits Table 5 Hospital Lists 8 Voluntary Excess 8 Underwriting 9 Policy Limitations &

More information

Bupa By You. Summary

Bupa By You. Summary 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

More information

Individual medical insurance. Policy summary Health Cover Range

Individual medical insurance. Policy summary Health Cover Range 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

More information

Simply Healthworks puts private medical insurance within your company s reach

Simply Healthworks puts private medical insurance within your company s reach Simply Healthworks puts private medical insurance within your company s reach HEALTH INSURANCE Simply Healthworks - making private medical insurance more accessible Simply Healthworks has been created

More information

Bupa Schools Scheme Looking after what s most important

Bupa Schools Scheme Looking after what s most important 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.

More information

A quick start guide to your Simply Cash Plan

A quick start guide to your Simply Cash Plan A quick start guide to your Simply Cash Plan Contents: Getting to know your Simply Cash Plan Your benefits How to make a claim Receipt requirements Paying your claim Glossary and key terms explained Getting

More information

BUPA SELECT YOUR BUPA MEMBERSHIP GUIDE. Essential information explaining your Bupa cover. Please retain. bupa.co.uk

BUPA SELECT YOUR BUPA MEMBERSHIP GUIDE. Essential information explaining your Bupa cover. Please retain. bupa.co.uk 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

More information

BupaCare. Policy summary

BupaCare. Policy summary 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

More information

Bupa Eduhealth Essentials Healthcare Scheme Bupa private medical cover for the teaching profession and education sector

Bupa Eduhealth Essentials Healthcare Scheme Bupa private medical cover for the teaching profession and education sector Bupa Eduhealth Essentials Healthcare Scheme Bupa private medical cover for the teaching profession and education sector Bupa Eduhealth Essentials Healthcare Scheme We re here to help you stay healthy

More information

BUPACARE POLICY SUMMARY. Effective from 1 January 2015. bupa.co.uk

BUPACARE POLICY SUMMARY. Effective from 1 January 2015. bupa.co.uk 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

More information

Saga HealthPlans. Policy Summary

Saga HealthPlans. Policy Summary 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

More information

LOCALCARE GROUP SCHEME POLICY SUMMARY FOR MEMBERS OF THE PHILIP WILLIAMS BUPA HEALTHCARE SCHEME. Effective from 1 December 2014. bupa.co.

LOCALCARE GROUP SCHEME POLICY SUMMARY FOR MEMBERS OF THE PHILIP WILLIAMS BUPA HEALTHCARE SCHEME. Effective from 1 December 2014. bupa.co. 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

More information

PG Mutual Medical Care Plan

PG Mutual Medical Care Plan 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

More information

Managing the ISSUE 11

Managing the ISSUE 11 Managing the TriCare Health Fund offers cover for the cost of treatment of short term acute conditions in private hospitals or as a private patient in an NHS hospital. The cost of some complementary therapies

More information

I can rely on BUPA International to be there when I need them most. Lifeline

I can rely on BUPA International to be there when I need them most. Lifeline I can rely on BUPA International to be there when I need them most Lifeline t h e w o r l d h e a l t h s e r v i c e Trust BUPA International to look after you. If you have any questions about how we

More information

A guide to Health Select/Health Select 6

A guide to Health Select/Health Select 6 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

More information

GLOSSARY OF MAIN MEDICAL TERMS

GLOSSARY OF MAIN MEDICAL TERMS GLOSSARY OF MAIN MEDICAL TERMS Accidental Injury An injury caused as a direct result of something accidental, outside the body, violent and visible. Accidential injury does not include sickness disease

More information

If you have any questions, please get in touch with us. You can call us between 8am and 6pm GMT, Monday to Friday on:

If you have any questions, please get in touch with us. You can call us between 8am and 6pm GMT, Monday to Friday on: Oil and Gas Plan From 1 November 2009 Get in touch To join Bupa International s Oil and Gas plan all you need is three or more employees who work overseas on oil rigs in the oil and gas industry. For further

More information

Healthcare Proposition Overview

Healthcare Proposition Overview Healthcare Proposition Overview Leading innovations in the benefits market ECIS has a wealth of experience in the employee benefits arena and provides benefits solutions to employers operating across a

More information

Policy Summary - Sports Health Insurance

Policy Summary - Sports Health Insurance 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

More information

Worldwide Medical Insurance Company

Worldwide Medical Insurance Company 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

More information

YOUR LIFELINE GUIDE TO A HEALTHIER FUTURE

YOUR LIFELINE GUIDE TO A HEALTHIER FUTURE 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)

More information

Guernsey membership plan

Guernsey membership plan Guernsey membership plan Bupa International and Guernsey Everyone likes to feel they have control over their own lives and the freedom to decide what is best for them as individuals. This is true especially

More information

Forces Pension Society scheme

Forces Pension Society scheme 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

More information

LocalCare Group Scheme. Philip Williams & Co Bupa Healthcare Scheme policy summary

LocalCare Group Scheme. Philip Williams & Co Bupa Healthcare Scheme policy summary LocalCare Group Scheme Philip Williams & Co Bupa Healthcare Scheme policy summary Effective from 1 December 2015 This policy summary contains key information about Bupa LocalCare group scheme provided

More information

PG Mutual Medical Care Plan

PG Mutual Medical Care Plan 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

More information

AMEX International Healthcare Plan Benefits schedule

AMEX International Healthcare Plan Benefits schedule Quality health plans & benefits Healthier living Financial well-being Intelligent solutions AMEX International Healthcare Plan Benefits schedule Effective 1 April 2015 46.06.933.1-EUAM D (4/15) Your flexible

More information

Saga Health Insurance

Saga Health Insurance Saga Health Insurance The easy way to choose cover for you Why health insurance is the right choice 2 Why choose Saga? 3 Key benefits of Saga HealthPlans 4-5 Choosing from our range of health plans 6 Saga

More information

Are you buying private medical insurance? Take a look at this guide before you decide 2008

Are you buying private medical insurance? Take a look at this guide before you decide 2008 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

More information

Are you buying private medical insurance? Take a look at this guide before you decide 2008

Are you buying private medical insurance? Take a look at this guide before you decide 2008 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

More information

Are You Buying Private Medical Insurance? Take a look at this guide before you decide

Are You Buying Private Medical Insurance? Take a look at this guide before you decide 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

More information

SARK MEDICAL INSURANCE SCHEME 2014/2015 Product Comparison

SARK MEDICAL INSURANCE SCHEME 2014/2015 Product Comparison SARK MEDICAL INSURANCE SCHEME 2014/2015 Product Comparison Page 1 Page 3 Page 5 Listed Benefits Part 1 Listed Benefits Part 1 Listed Benefits Part 1 The comparison sheet issued with your renewal papers

More information

Factsheet. Helping your business manage sickness absence

Factsheet. Helping your business manage sickness absence Factsheet Helping your business manage sickness absence Key facts The average cost of employee absence is 673 per employee, per year. The average cost per employee in the public sector is 800, substantially

More information

Universities & Colleges Personal Healthcare Scheme

Universities & Colleges Personal Healthcare Scheme 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

More information

frequently asked questions

frequently asked questions 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

More information

About public outpatient services

About public outpatient services About public outpatient services Frequently asked questions What are outpatient services? Victoria s public hospitals provide services to patients needing specialist medical, paediatric, obstetric or surgical

More information

Policy Document Effective from June 2015. From

Policy Document Effective from June 2015. From Policy Document Effective from June 2015 From Contents Introduction 04 Advice lines 04 Your responsibilities 04 General Terms and Conditions 06 HealthBridge Summary of Cover 06 HealthBridge schedule of

More information

wpa.org.uk Flexible Health Health Insurance Policy Summary

wpa.org.uk Flexible Health Health Insurance Policy Summary 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

More information

product information Group InCare private medical cover for acute medical treatment

product information Group InCare private medical cover for acute medical treatment 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

More information

Platinum Healthcare Plan Benefit comparison of Bronze, Silver, Gold & Platinum healthcare plans

Platinum Healthcare Plan Benefit comparison of Bronze, Silver, Gold & Platinum healthcare plans Platinum Healthcare Plan Benefit comparison of Bronze, Silver, Gold & Platinum healthcare plans Benefit description Maximum benefit Area of Cover ) Within stated benefit limits - 6 week wait rule applies

More information

Going to Hospital. Understanding what s involved

Going to Hospital. Understanding what s involved Going to Hospital Understanding what s involved Contents 1 Introduction 1 2 Before you go to hospital 2 Check your level of cover 2 Talk to your doctor 2 Understanding Access Gap 4 Choosing your hospital

More information

Revolutionising Corporate Medical Healthcare

Revolutionising Corporate Medical Healthcare Revolutionising Corporate Medical Healthcare Corporate medical healthcare around the world, around the clock Welcome to International We are a specialist provider of worldwide private medical and related

More information

Welcome to Simplyhealth

Welcome to Simplyhealth Welcome to Simplyhealth HEALTH CASH PLANS We wish you the very best of health and by choosing a cash plan from Simplyhealth it s clear that you do too. This booklet sets out the benefits available to you

More information

BUSINESS HEALTHCARE BENEFITS AT A GLANCE FROM VITALITYHEALTH VITALITY.CO.UK/HEALTH

BUSINESS HEALTHCARE BENEFITS AT A GLANCE FROM VITALITYHEALTH VITALITY.CO.UK/HEALTH BUSINESS HEALTHCARE BENEFITS AT A GLANCE FROM VITALITYHEALTH VITALITY.CO.UK/HEALTH BENEFITS AT A GLANCE WITHIN THIS DOCUMENT YOU WILL FIND THE BENEFITS AND COVER OPTIONS YOU COULD HAVE WITH A BUSINESS

More information

Xerox Custom Healthcare Solution

Xerox Custom Healthcare Solution Xerox Custom Healthcare Solution Xerox HR Services has undertaken a comprehensive review of the employee benefits market, assessing all of the major providers, in order to develop our Xerox Custom Healthcare

More information

VISITORS COVER CLAIM FORM AND MEDICAL CERTIFICATE

VISITORS COVER CLAIM FORM AND MEDICAL CERTIFICATE VISITORS COVER CLAIM FORM AND MEDICAL CERTIFICATE CLAIM FORM Before you complete this claim form: did you know that you may be able to submit your claim for selected services online at bupa.com.au? (terms

More information

Flexible health insurance plans that work around you

Flexible health insurance plans that work around you Please note: these documents are for illustration purposes only, are updated from time to time and do not form part of any contract with us. To be sure that you are using the most upto-date and correct

More information

In-patient, Day-case & Surgical Out-patient Treatment Claim Form

In-patient, Day-case & Surgical Out-patient Treatment Claim Form In-patient, Day-case & Surgical Out-patient Treatment Claim Form In order to make a claim Affix Hospital Label Here Please answer all the questions below, complete the relevant sections, read and sign

More information

Personal Healthcare benefits at a glance

Personal Healthcare benefits at a glance 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

More information

Your Simply Cash Plan

Your Simply Cash Plan 1 Your Simply Cash Plan Policy document Part 1 benefits and exclusions The accompanying Part 2 for this policy document is Part 2 general terms and conditions for monthly paid cash plans 2015 Your table

More information

Table of Benefits Individual Policies

Table of Benefits Individual Policies International Healthcare Plans Valid from 1 st November 2012 Table of Benefits Individual Policies Treatment Guarantee is required for all benefits indicated with a 1 or 2 in the following tables and may

More information

Discharge Information Information for patients This leaflet is intended to help you, your carer, relatives and friends understand and prepare for

Discharge Information Information for patients This leaflet is intended to help you, your carer, relatives and friends understand and prepare for Discharge Information Information for patients This leaflet is intended to help you, your carer, relatives and friends understand and prepare for your discharge or transfer from hospital. Healthcare professionals

More information

Individual Health Plan Proposal

Individual Health Plan Proposal Individual Health Plan Proposal Table of Contents Page Section Ⅰ Company Introduction 3 Section Ⅱ Plan Introduction 4 Ⅰ Geographic Coverage 4 Ⅱ Benefit Schedule 4 Ⅲ Exclusions 8 Section Ⅲ Plan Administration

More information

Maximum plan benefit GBP ( ) limit In-patient benefits¹ - please refer to notes for more information on Treatment Guarantee

Maximum plan benefit GBP ( ) limit In-patient benefits¹ - please refer to notes for more information on Treatment Guarantee International Healthcare Plans Table of Benefits Treatment Guarantee (pre-authorisation) may be required for some benefits as indicated by a '1' or a '2' in the table(s) below. Please refer to the "Notes"

More information

We pay for these four preventive checks only, after you have been a member of the Gold plan for one year.

We pay for these four preventive checks only, after you have been a member of the Gold plan for one year. Table of Benefits gold overall annual maximum - GBP 1,200,000 / USD 2,000,000 / EUR 1,500,000 Out-patient treatment Important This is treatment which does not normally require a patient to occupy a hospital

More information

General & Medical. Opt-in. private healthcare solutions

General & Medical. Opt-in. private healthcare solutions 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

More information

Health Insurance Effective from 1 st March 2015

Health Insurance Effective from 1 st March 2015 Health Insurance Effective from 1 st March 2015 Everything has gone splendidly, joining was easy and all the documentation arrived swiftly, it couldn t have been easier, we re very pleased. Mr A Brown

More information

SecureHealth Ultimate corporate

SecureHealth Ultimate corporate SecureHealth Ultimate corporate Membership handbook What you need to know October 2011 Contacting us While it is important that you read and understand this policy handbook, we understand that it is often

More information

Lifeline Worldwide Medical insurance

Lifeline Worldwide Medical insurance 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

More information

Welcome. Our aim is to provide firstclass independent healthcare for

Welcome. Our aim is to provide firstclass independent healthcare for PATIENT GUIDE Welcome We are delighted to welcome you as a patient to Highgate Private Hospital. The purpose of this guide is to introduce our hospital and make sure you are aware of your rights as a patient.

More information

NATIONAL STATISTICS OFFICE (NSO)

NATIONAL STATISTICS OFFICE (NSO) Advert No.: NSO/2/2015 NATIONAL STATISTICS OFFICE (NSO) Call for Quotations for the Provision of Insurance Services to the National Statistics Office DATE PUBLISHED 13 th March 2015 CLOSING DATE 20 th

More information

My Health Cash Plan for Groups. Group Member Handbook

My Health Cash Plan for Groups. Group Member Handbook My Health Cash Plan for Groups Group Member Handbook My Health Cash Plan for Groups My Health Cash Plan for Groups is a product designed to help you with your everyday healthcare needs. Your company has

More information

Hospital Care Cash Plans. Hospital Care Cash Plans

Hospital Care Cash Plans. Hospital Care Cash Plans Hospital Care Cash Plans Hospital Care Cash Plans A Guide to GloHealth Cover Cover For Me Cover For Us Cover For All Of Us Hospital Cover Maternity Dental & Optical MRI G.P. Alternative Therapy Scans Why

More information

BERMUDA GOVERNMENT EMPLOYEES (HEALTH INSURANCE) (BENEFITS) ORDER 1997 BR 32 / 1997

BERMUDA GOVERNMENT EMPLOYEES (HEALTH INSURANCE) (BENEFITS) ORDER 1997 BR 32 / 1997 QUO FA T A F U E R N T BERMUDA GOVERNMENT EMPLOYEES (HEALTH INSURANCE) (BENEFITS) ORDER 1997 BR 32 / 1997 [made under section 12 of the Government Employees (Health Insurance) Act 1986 and brought into

More information

TABLE 120 - SCHEDULE OF COVER and POLICY DOCUMENT

TABLE 120 - SCHEDULE OF COVER and POLICY DOCUMENT 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

More information

AS INVOICES/RECEIPTS WILL NOT BE RETURNED, YOU MAY WISH TO RETAIN COPIES PRIOR TO SUBMISSION. 1.6 Time of Discharge:

AS INVOICES/RECEIPTS WILL NOT BE RETURNED, YOU MAY WISH TO RETAIN COPIES PRIOR TO SUBMISSION. 1.6 Time of Discharge: Hospital Claim Form Non-Direct Payment Section 1: Hospital Details - for completion by Policy Holder/Member (Please place X in required boxes) AS INVOICES/RECEIPTS WILL NOT BE RETURNED, YOU MAY WISH TO

More information

inspire Private Medical Insurance Plan Providing you with quality medical care at Spire Hospitals throughout the UK

inspire Private Medical Insurance Plan Providing you with quality medical care at Spire Hospitals throughout the UK inspire Private Medical Insurance Plan Providing you with quality medical care at Spire Hospitals throughout the UK UK 'inspire' is provided by APRIL UK. In partnership with Spire Healthcare Welcome to

More information

Business Healthcare benefits at a glance

Business Healthcare benefits at a glance 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

More information

1.10 Treatment Setting (If the patient was not admitted to a ward in the hospital, please specify the treatment setting)

1.10 Treatment Setting (If the patient was not admitted to a ward in the hospital, please specify the treatment setting) Hospital Claim Form Direct Payment Section 1: Hospital Details - for completion by Hospital Administration Staff (Please place X in required boxes) 1.1 Hospital Code: 1.2 Hospital Name: 1.3 Date of Admission:

More information

We care, wherever you are

We care, wherever you are 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

More information

General & Medical. Private Health Insurance. for individuals and families. in association with Newmarket Lifestyle www.newmarketlifestyle.co.

General & Medical. Private Health Insurance. for individuals and families. in association with Newmarket Lifestyle www.newmarketlifestyle.co. 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

More information

Table of Benefits Corporate Group Schemes

Table of Benefits Corporate Group Schemes International Healthcare Plans Table of Benefits Corporate Group Schemes Valid from 1 st November 2014 MyHealth app Quick and easy claims submission Policy documents on the go www.allianzworldwidecare.com/myhealth

More information

General & Medical. Opt-in. private healthcare solutions

General & Medical. Opt-in. private healthcare solutions 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

More information

Sales Brochure International healthcare built for your world. Global Health Options

Sales Brochure International healthcare built for your world. Global Health Options Global Health Options Sales Brochure International healthcare built for your world Global Health Options 2 www.cignaglobal.com you are one of a kind so are we CONTENTS Why choose a Cigna Global plan? 4

More information

Cancer Treatment Benefit

Cancer Treatment Benefit Cancer Treatment Benefit In Hong Kong, more than 27,000 men and women are newly-diagnosed with cancer each year 1, which means on average one new case is recorded every 20 minutes. Currently 1 in 4 men

More information

Oncology and haematology clinical trials Information for patients at St Thomas Hospital

Oncology and haematology clinical trials Information for patients at St Thomas Hospital Oncology and haematology clinical trials Information for patients at St Thomas Hospital Contents p.2 Contents p.4 Welcome p.4 Meet the team p.6 Where will my appointment be? p.8 Tests and treatments and

More information

Your overall limit Silver Gold Platinum $1,000,000 800,000 650,000. Your standard medical benefits Silver Gold Platinum

Your overall limit Silver Gold Platinum $1,000,000 800,000 650,000. Your standard medical benefits Silver Gold Platinum Medical Insurance ur plans comprise of 3 distinct levels of cover: Silver, Gold and Platinum. Choose your level of cover from the table below. All amounts apply per beneficiary and per (except where otherwise

More information

Health nsurance. Administered by

Health nsurance. Administered by Administered by 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:

More information

OSHC. Overseas Student Health Cover Fact Sheet. nib343001_0415

OSHC. Overseas Student Health Cover Fact Sheet. nib343001_0415 Need help? Call us on 1800 775 204 Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/overseas-students nib health funds limited abn 83 000 124 381 Head Office 22 Honeysuckle Drive Newcastle NSW

More information

OSHC. Overseas Student Health Cover Fact Sheet. nib343001_0415

OSHC. Overseas Student Health Cover Fact Sheet. nib343001_0415 Need help? Call us on 1800 775 204 Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/overseas-students nib health funds limited abn 83 000 124 381 Head Office 22 Honeysuckle Drive Newcastle NSW

More information

Welcome to Simplyhealth

Welcome to Simplyhealth Welcome to Simplyhealth We wish you the very best of health and by choosing a cash plan from Simplyhealth it s clear that your employer does too. This booklet sets out the benefits available to you and

More information

Overseas Visitors Cover

Overseas Visitors Cover straightforward health insurance Overseas Visitors Cover Australia welcomes you 2 3 Who are GMF Health? GMF Health is a not-for-profit Australian private health insurer, that s been providing affordable

More information

Hospital Guide. Teachers Federation Health Ltd. ABN 86 097 030 414 trading as Teachers Health Fund. A Registered Private Health Insurer.

Hospital Guide. Teachers Federation Health Ltd. ABN 86 097 030 414 trading as Teachers Health Fund. A Registered Private Health Insurer. Hospital Guide Teachers Federation Health Ltd. ABN 86 097 030 414 trading as Teachers Health Fund. A Registered Private Health Insurer. Contents Page 3 Things you should know before you go to hospital

More information

International medical insurance. Membership handbook European health cover

International medical insurance. Membership handbook European health cover International medical insurance Membership handbook European health cover What you need to know April 2010 Contacting us While it is important that you read and understand this policy handbook, we understand

More information

C I G N A I N T E R N A T I O N A L E X P A T R I A T E S B E N E F I T S. CIGNA International Healthcare Plans. Premier Options Healthcare Plans

C I G N A I N T E R N A T I O N A L E X P A T R I A T E S B E N E F I T S. CIGNA International Healthcare Plans. Premier Options Healthcare Plans C I G N A I N T E R N A T I O N A L E X P A T R I A T E S B E N E F I T S CIGNA International Healthcare Plans Premier Options Healthcare Plans Your expatriate employees and their eligible family members

More information

Know your rights and responsibilities as a private patient in hospital. Private Patients Hospital Charter

Know your rights and responsibilities as a private patient in hospital. Private Patients Hospital Charter Know your rights and responsibilities as a private patient in hospital Private Patients Hospital Charter Commonwealth of Australia 2004 ISBN 0 642 82235 2 This work is copyright. Apart from any use as

More information