(Only available if you have applied for a Decreasing Mortgage Cover Plan or a Level Protection Plan).

Size: px
Start display at page:

Download "(Only available if you have applied for a Decreasing Mortgage Cover Plan or a Level Protection Plan)."

Transcription

1 Mortgage protection Free cover (Only available if you have applied for a Decreasing Mortgage Cover Plan or a Level Protection Plan). At Zurich, we understand the importance of financial protection when you re buying a house. We also understand that although you enter into a binding commitment when you exchange contracts, you may not complete the contract to buy the property for several weeks, or even months. You may not want your plan to start until your mortgage has been completed but until it does you may not have any financial protection if you die, are diagnosed with a critical illness or if your health changes. During this time we may be able to provide you with free cover for a limited period. Important notes You will not be eligible for mortgage protection free cover if: you are aged 55 or older, or your mortgage is not being used to buy your main residence, or you are re-mortgaging your main residence rather than buying a different main residence, or you live outside the UK, or you have made a simultaneous application for mortgage protection to another company. Some exclusions apply see What will stop us paying out? in the terms and conditions below. If you have asked for your plan to be issued in trust, this does not apply to the free cover. If a claim for life cover is accepted, the cash sum may increase the value of your estate for inheritance tax purposes. Terms and conditions The terms and conditions for the free cover are set out below. Free cover is provided by Zurich Assurance Ltd so where we refer to Zurich, or we or us in these terms and conditions, we mean Zurich Assurance Ltd. Where we refer to you or your we mean the life or lives to be assured under the plan. Where the plan has been applied for on another person s life you and your may mean the applicant, where applicable. Where we refer to plan we mean the Decreasing Mortgage Cover Plan or the Level Protection Plan that you have applied for with us. In these terms and conditions, where we can use our discretion, make a decision, require information or evidence or use our judgement, then we will do so acting reasonably, proportionately, fairly and in accordance with the law and regulations. What is free cover? It can provide you with a cash sum if you die or are diagnosed with a critical illness that meets our plan definition during the free cover period. The list of critical illnesses we cover is included in the key features document your adviser gave you. Children s critical illness benefit is not included for the purposes of free cover. The type and amount of free cover we provide depends on the cover you have applied for, so if, for example, you have only applied for life cover, the free cover would also be life cover only. If you have applied for a plan covering two people with life cover and critical illness cover, the free cover would be paid when the first person dies or is diagnosed with a critical illness that meets our plan definition. If we pay the free cover because you die or are diagnosed with a critical illness, we will not start your plan, even if, had it started, it would have provided you with a higher level of cover than the amount of free cover we have paid (unless the claim is for a partial critical illness cover cash payment, in which case we will continue to progress your application).

2 If your plan will include payment protection benefit and you become incapacitated and can t work because of illness or injury during the free cover period then the deferred period you have chosen will begin. Your plan must start at the end of the free cover period and we ll pay you the payment protection benefit at the end of the deferred period. If you claim the payment protection benefit during the free cover period this will not affect the amount of life cover, critical illness cover or both, when your plan starts. The plan terms and conditions include full details of when you can claim the life cover, critical illness cover and payment protection benefit. If you d like a copy, please ask your adviser or contact us. Who can have free cover? You must be using the plan to protect your mortgage. Your mortgage lender must have sent you a formal written offer for a mortgage to buy your main residence. Buy-to-let mortgages and re-mortgaging your main residence do not qualify for free cover. You must be 54 or younger at the start of the free cover period. You must live in the United Kingdom. How much free cover is provided? The type and amount of free cover provided depends on the type of cover you have applied for. It is limited to the lower of the amount of your mortgage; or the amount of cover your plan will provide. The maximum amount we would pay is 500,000 if you die; or 350,000 if you are diagnosed with a critical illness that meets our plan definition. If we pay a free cover claim (unless it was a partial critical illness cover cash payment only), the free cover will end and we will not start your plan, even if, had it started, it would have provided you with a higher level of cover than the amount of free cover we have paid. If you have made multiple applications to Zurich, the total amount of free cover across all plans will be restricted to the lower of the amounts set out above. If your plan includes payment protection benefit and you become incapacitated and can t perform your own occupation because of illness or injury, the deferred period you have chosen will begin from the date you become incapacitated. Your plan must then start at the end of the free cover period to make sure there is no break in cover during the deferred period. Example 1 You exchange contracts 3 March Free cover You become incapacitated and claim the payment protection benefit (your deferred period is six months) 1 May 90 days after exchange of contracts 1 June Free cover period ends Your plan must start on 1 June, or earlier if your mortgage has completed, to make sure there is no break in cover during the deferred period. End of the deferred period 31 October (six months after the claim started during the free cover period) When does the free cover start? The free cover from the date the last of the following events happens: you exchange contracts, and our underwriters accept your application. When does the free cover stop? The free cover period stops as soon as any of the following events happen: you complete your mortgage 90 days have elapsed since you exchanged contracts your plan starts you withdraw your application for the plan. Example 2 You exchange contracts 1 April Free cover period starts You complete your mortgage 1 May Free cover period ends Plan start date 1 June No cover between 1 May and 1 June Your plan should start on 1 May to make sure there is no break in cover

3 Example 3 You exchange contracts 3 March Free cover 90 days after exchange of contracts 1 June Free cover period ends No cover between 1 June until the date the plan starts. Your plan should start on 1 June to make sure there is no break in cover Example 4 You exchange contracts 15 February You complete your mortgage 1 March No free cover applies Your plan should start on 1 March to make sure you are covered What will stop us paying out? A free cover claim may be rejected or not fully paid if, when you applied for the plan, you did not answer the questions we asked you correctly, or if you do not tell us about any change to your health that occurs before the free cover start date which alters the answers you gave. We won t pay a free cover claim if the cause arises from any activity or condition for which we specifically exclude cover on your plan. We won t pay a free cover claim for life cover if you commit suicide. We won t pay a free cover claim for critical illness cover if: the illness suffered does not exactly meet the plan definitions the illness suffered is not included in the plan terms and conditions you don t survive 14 days from diagnosis or operation, or the medical condition arises while you are living abroad and you don t return to the United Kingdom or one of the other countries we specify. These are countries where, from our experience we know we can manage the claims process effectively. Our current list of countries is Australia, Austria, Belgium, Bulgaria, Canada, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hong Kong, Hungary, Iceland, Republic of Ireland, Isle of Man, Italy, Japan, Latvia, Liechtenstein, Lithuania, Luxembourg, Republic of Macedonia, Malta, Monaco, the Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, and United States of America. We can add and remove countries on the list if the cost or the availability of medical or other evidence changes. If you are thinking of moving abroad, it is important that you contact us for an up-to-date list. We will act reasonably when considering whether we can continue to cover you in that country. We won t pay the payment protection benefit if: you weren t in a paid job when you became incapacitated you have more than one job and you can still do the main duties of any of them you are not continuously disabled throughout the deferred period the medical condition arises while you are living abroad and you don t return to the United Kingdom or one of the other countries we specify. These are countries where, from our experience we know we can manage the claims process effectively. Our current list of countries is Australia, Austria, Belgium, Bulgaria, Canada, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hong Kong, Hungary, Iceland, Republic of Ireland, Isle of Man, Italy, Japan, Latvia, Liechtenstein, Lithuania, Luxembourg, Republic of Macedonia, Malta, Monaco, the Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, and United States of America. We can add and remove countries on the list if the cost or the availability of medical or other evidence changes. If you are thinking of moving abroad, it is important that you contact us for an up-to-date list. We will act reasonably when considering whether we can continue to cover you in that country

4 the cause of the claim is due to infection with Human Immunodeficiency Virus (HIV) or conditions due to any Acquired Immune Deficiency Syndrome (AIDS) (unless caught in the UK from a blood transfusion, a physical assault or at work in an eligible occupation). The eligible occupations for HIV caught at work are: any occupation which provides accident and emergency, medical, laboratory, phlebotomy, dental or nursing services the police force the prison service, or the cause of the claim is due to any act of terrorism war, invasion, hostilities (whether war is declared or not), civil war, rebellion, revolution or taking part in a riot or civil commotion. Please note: We won t pay out the free cover if you have made a simultaneous application for mortgage protection to another company. What if your health changes while we are providing mortgage protection free cover but before your plan has started? When we receive your application we ll send you a summary of the questions we asked and the answers you have given. We ask you to make sure that the information is accurate and confirm this to us in writing. If any information is not correct you need to let us know in writing. When you applied for the plan we also asked you to let us know if anything happens between completing the application and the start date of the plan that changes any of the answers you gave to the questions we asked you. If, during the free cover period, your health changes and this means that some of the answers you gave to the questions we asked when you applied for the plan have changed, you need to tell us. However, we will allow the plan to proceed on the original terms. This ensures that, despite the change in your health, you will have mortgage protection. What if your health changes after the free cover period has ended but before your plan has started? If the free cover period ends before your plan starts and then your health changes and this means that some of the answers you gave to the questions we asked when you applied for the plan have changed, you need to tell us. We will not allow the plan to proceed on the original terms if the change in your health means there is an increased risk that you ll die, suffer a critical illness that meets our plan definition or become incapacitated before the plan ends. If we need to make any changes to the terms of our offer, or if we are not able to offer you any cover, we ll write and tell you. To make sure you are covered if your health changes, you should ensure that your plan starts at or before the end of the free cover period. You need to tell us about any change to your health, family history of disease, occupation, travel or place of residence, hazardous activities, alcohol consumption, smoking habits or use of recreational drugs that occurs before your plan starts if that change makes any of the answers you gave to the questions we asked you wrong or incomplete. If you don t tell us, your plan may be cancelled, or its terms may be changed, or a claim may be rejected or not fully paid. Cancelling a plan means that no cover or other benefits will be provided. Example 5 You exchange contracts 2 April Free cover You complete your mortgage 1 August Free cover period ends on 30 June Plan start date 1 August No cover between 1 July and 1 August Your health changes 20 July. We may have to change the terms of our offer or decline your application. Your plan should start on 1 July to make sure you are covered if your health changes. Making a claim If you need to make a claim, you or the person dealing with your affairs, should contact your adviser or us (our details are below). We will provide a claim form which must be completed in full and signed before we can proceed with the claim. To claim for Telephone No Opening hours Life cover am to 5pm Critical illness am to 5pm cover Payment am to 5pm protection benefit Claiming for the life cover The person dealing with the claim will need to complete a form we provide. We ll also need the death certificate, proof of identity and, where applicable, reasonable evidence that the person dealing with the claim is entitled to claim (for example, a grant of probate showing that he or she is the executor of your estate). They must pay any costs incurred in providing these. There may be other reasonable requirements, such as medical evidence and reasonable evidence of death, including cause of death. We ll tell the person dealing with your affairs what we need when they make a claim.

5 Claiming for critical illness cover When we receive your completed claim form, we ll tell you what medical evidence we ll be obtaining and any documents you need to send to us before we can pay the claim. Where it is reasonable to do so, based on the medical evidence, we can require you to have further examinations or tests which will be carried out by a medical practitioner we provide. If so, we ll aim to make these as convenient as possible for you and we ll pay the costs of any extra medical examinations. You can claim, within reason, for any expenses you incur as a result of having these extra tests. You must be able to prove that you are incapacitated. We will ask for any further reasonable evidence. We ll also tell you what evidence we need about your earnings at the time you claim and for any period before then. The evidence will depend on the type of earnings you have and we may ask for independent proof of them. You must be receiving regular medical care and supervision for your condition and we can ask you or your doctor for medical evidence at regular intervals throughout your claim. We ll ask for independent confirmation that any medical treatment is necessary and appropriate. Claiming for the payment protection benefit At the point of claim we ll usually carry out a telephone based interview unless this is not possible at the time. We ll then send you a summary of our conversation for you to check, sign and return. Once we have received your signed confirmation, we ll tell you what medical evidence we ll be obtaining and any documents you need to send to us before we can pay the claim. Where it is reasonable to do so, based on the medical evidence, we can require you to have further medical examinations or tests which will be carried out by a medical practitioner we provide. If so, we ll aim to make these as convenient as possible for you and we ll pay the costs of any extra medical examinations. You can claim, within reason, for any expenses you incur as a result of having these extra tests. Please let us know if you would like a copy of this in large print or braille, or on audiotape or CD. NP (04/15) RRD Zurich Assurance Ltd, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England and Wales under company number Registered Office: The Grange, Bishops Cleeve, Cheltenham, GL52 8XX. Telephone: We may record or monitor calls to improve our service.

Decreasing Mortgage Cover Plan Guaranteed Payments. Terms and Conditions

Decreasing Mortgage Cover Plan Guaranteed Payments. Terms and Conditions Decreasing Mortgage Cover Plan Guaranteed Payments Terms and Conditions Contents 1. Who can have the plan? 3 2. The aim of the plan 4 3. The cover and benefits in more detail 5 Life cover only 5 Life or

More information

Level Protection Plan Guaranteed Payments. Terms and Conditions

Level Protection Plan Guaranteed Payments. Terms and Conditions Level Protection Plan Guaranteed Payments Terms and Conditions Contents 1. Who can have the plan? 3 2. The aim of the plan 4 3. The cover and benefits in more detail 5 Life cover only 5 Life or earlier

More information

Friends Life Protection Account Key features of Mortgage Income Protection Cover

Friends Life Protection Account Key features of Mortgage Income Protection Cover Protection Friends Life Protection Account Key features of Mortgage Income Protection Cover Why is this document important? The Financial Services Authority is the independent financial services regulator.

More information

Friends Life Protection Account Key features of Income Protection Cover

Friends Life Protection Account Key features of Income Protection Cover Protection Friends Life Protection Account Key features of Income Protection Cover Why is this document important? The Financial Services Authority is the independent financial services regulator. It requires

More information

LV= LIFE INSURANCE. Plan Conditions Document reference: LVLI3

LV= LIFE INSURANCE. Plan Conditions Document reference: LVLI3 LV= LIFE INSURANCE Plan Conditions Document reference: LVLI3 LV= Life Insurance Plan Conditions Welcome to LV=, and thank you for choosing LV= Life Insurance These conditions and your Plan Schedule, application,

More information

Income Protection Plan essential cover. Terms and conditions

Income Protection Plan essential cover. Terms and conditions Income Protection Plan essential cover Terms and conditions Contents 1. Who can have the plan? 3 2. The aim of the plan 3 3. The benefits in more detail 4 4. The optional benefits in more detail 9 Indexed

More information

Income Protection Plan premier cover. Terms and conditions

Income Protection Plan premier cover. Terms and conditions Income Protection Plan premier cover Terms and conditions Contents 1. Who can have the plan? 3 2. The aim of the plan 3 3. The benefits in more detail 4 4 The optional benefits in more detail 8 Indexed

More information

This document contains important information about the Lifestyle Protection plan and you should read this along with your quote.

This document contains important information about the Lifestyle Protection plan and you should read this along with your quote. Key facts of the Lifestyle Protection plan July 2014 This document contains important information about the Lifestyle Protection plan and you should read this along with your quote. This document doesn

More information

Adaptable Life Plan. Terms and conditions

Adaptable Life Plan. Terms and conditions Adaptable Life Plan Terms and conditions Contents 1. Who can have the plan? 3 2. The aim of the plan 3 3. The life cover in more detail 4 4. The optional benefits in more detail 4 Waiver of payment benefit

More information

Key features of the Income Protection Plan Helping you decide

Key features of the Income Protection Plan Helping you decide Key features of the Income Protection Plan Helping you decide This is an important document which gives you a summary of the Income Protection Plan. Please read this with your illustration, if you have

More information

Key features of the International Term Assurance

Key features of the International Term Assurance Key features of the International Term Assurance HELPING YOU DECIDE This is an important document which gives you a summary of the International Term Assurance policy. Please read this with your illustration

More information

ERASMUS+ MASTER LOANS

ERASMUS+ MASTER LOANS ERASMUS+ MASTER LOANS Erasmus+ Master Loan: opening up access to more affordable lending for cross-border studies The Erasmus+ programme makes it possible for students who want to take a full Masters level

More information

in Scotland for holidaymakers from overseas

in Scotland for holidaymakers from overseas in Scotland for holidaymakers from overseas In Scotland, most health care is provided by the National Health Service (NHS). If you are coming to Scotland on holiday or to visit friends or relatives, you

More information

International Call Services

International Call Services International Call Services Affordable rates for business calls. Wherever you are in the world. We ve got plenty to say when it comes to staying in touch when you re overseas. We have agreements with 443

More information

ERASMUS+ MASTER LOANS

ERASMUS+ MASTER LOANS Ref. Ares(2015)660570-17/02/2015 ERASMUS+ MASTER LOANS Erasmus+ Master Loan: opening up access to more affordable lending for cross-border studies The Erasmus+ programme makes it possible for students

More information

Size and Development of the Shadow Economy of 31 European and 5 other OECD Countries from 2003 to 2015: Different Developments

Size and Development of the Shadow Economy of 31 European and 5 other OECD Countries from 2003 to 2015: Different Developments January 20, 2015 ShadEcEurope31_January2015.doc Size and Development of the Shadow Economy of 31 European and 5 other OECD Countries from 2003 to 2015: Different Developments by Friedrich Schneider *)

More information

Friends Life Protection Account Key features of Critical Illness Cover

Friends Life Protection Account Key features of Critical Illness Cover Protection Friends Life Protection Account Key features of Critical Illness Cover Why is this document important? The Financial Services Authority is the independent financial services regulator. It requires

More information

Income Protection Plan from Standard Life

Income Protection Plan from Standard Life Key features of the Income Protection Plan from Standard Life This Key Features Document gives you the main points about the Income Protection Plan you re considering. It is for a UK Plan and for use by

More information

about our Income Protection Plan

about our Income Protection Plan about our Income Protection Plan Reference XIP1/A 12.11 The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life, to give you important information

More information

Guaranteed Mortgage Protection. Policy Document

Guaranteed Mortgage Protection. Policy Document Guaranteed Mortgage Protection Policy Document Introduction This document explains in detail the workings of your Guaranteed Mortgage Protection Policy. It is important that you read each section of the

More information

International Term Assurance

International Term Assurance International Term Assurance Customer product disclosure document HELPING YOU DECIDE This is an important document which gives you a summary of the International Term Assurance policy. Please read this

More information

Need to send money abroad securely?

Need to send money abroad securely? International Payments Need to send money abroad securely? Trust us to get it there. Sending money abroad with Lloyds TSB. It s easy and secure. As a Lloyds TSB customer, if you need to send money overseas,

More information

41 T Korea, Rep. 52.3. 42 T Netherlands 51.4. 43 T Japan 51.1. 44 E Bulgaria 51.1. 45 T Argentina 50.8. 46 T Czech Republic 50.4. 47 T Greece 50.

41 T Korea, Rep. 52.3. 42 T Netherlands 51.4. 43 T Japan 51.1. 44 E Bulgaria 51.1. 45 T Argentina 50.8. 46 T Czech Republic 50.4. 47 T Greece 50. Overall Results Climate Change Performance Index 2012 Table 1 Rank Country Score** Partial Score Tendency Trend Level Policy 1* Rank Country Score** Partial Score Tendency Trend Level Policy 21 - Egypt***

More information

Funeral Benefit from the DSS

Funeral Benefit from the DSS Funeral Benefit from the DSS The state offers a specific benefit towards the cost of a funeral, for those people that it deems most need it. The qualification is strict but a successful application can

More information

PORTABILITY OF SOCIAL SECURITY AND HEALTH CARE BENEFITS IN ITALY

PORTABILITY OF SOCIAL SECURITY AND HEALTH CARE BENEFITS IN ITALY PORTABILITY OF SOCIAL SECURITY AND HEALTH CARE BENEFITS IN ITALY Johanna Avato Human Development Network Social Protection and Labor The World Bank Background study March 2008 The Italian Social Security

More information

Planned Healthcare in Europe for Lothian residents

Planned Healthcare in Europe for Lothian residents Planned Healthcare in Europe for Lothian residents Introduction This leaflet explains what funding you may be entitled to if you normally live in Lothian (Edinburgh, West Lothian, Midlothian and East Lothian

More information

Key features of the Income Protection Plan

Key features of the Income Protection Plan Key features of the Income Protection Plan Helping you decide This is an important document which gives you a summary of the Income Protection Plan. Please read this with your illustration, if you have

More information

Child Benefit if you are coming from abroad or going abroad

Child Benefit if you are coming from abroad or going abroad Child Benefit if you are coming from abroad or going abroad Please keep these notes for future reference CH5 Notes Contents Introduction 3 Definitions 3 How to contact us for help 4 Coming to the United

More information

Introduction 4 Definition of Words 5 Key Cover 6 What Is Covered? 6 What Is Not Covered Under This Policy? 6 How to make a Claim 7 Making a Key

Introduction 4 Definition of Words 5 Key Cover 6 What Is Covered? 6 What Is Not Covered Under This Policy? 6 How to make a Claim 7 Making a Key Key Insurance Contents Introduction 4 Definition of Words 5 Key Cover 6 What Is Covered? 6 What Is Not Covered Under This Policy? 6 How to make a Claim 7 Making a Key Insurance Claim when in the UK 7

More information

SCHEDULE 12. PURELY Income Protection Plan

SCHEDULE 12. PURELY Income Protection Plan SCHEDULE 12 PURELY Income Protection Plan INCOME PROTECTION DEFINITIONS The following words are printed throughout this schedule because they have a special meaning. The meanings are given below:- Consultant

More information

Driving in Great Britain (GB) as a visitor or a new resident

Driving in Great Britain (GB) as a visitor or a new resident INF38 Driving in Great Britain (GB) as a visitor or a new resident For more information go to www.direct.gov.uk/driving 11/08 Contents 1 European Community/European Economic Area (EC/EEA licences) 3 2

More information

1. Perception of the Bancruptcy System... 2. 2. Perception of In-court Reorganisation... 4

1. Perception of the Bancruptcy System... 2. 2. Perception of In-court Reorganisation... 4 Bankruptcy Systems and In-court Reorganisation of Firms, 2010 Content: 1. Perception of the Bancruptcy System... 2 2. Perception of In-court Reorganisation... 4 3. Perception of Creditor Committees, Fast

More information

Labour Force Survey 2014 Almost 10 million part-time workers in the EU would have preferred to work more Two-thirds were women

Labour Force Survey 2014 Almost 10 million part-time workers in the EU would have preferred to work more Two-thirds were women 75/2015-27 April 2015 Labour Force Survey 2014 Almost 10 million part-time workers in the EU would have preferred to work more Two-thirds were women Among the 44.1 million persons in the European Union

More information

International Hints and Tips

International Hints and Tips International Hints and Tips Content Q: What is the cut off time for processing International payments? A: International payments must be submitted and fully approved within the cut off time indicated

More information

Your guide to retiring abroad. Retirement. Your biggest adventure yet?

Your guide to retiring abroad. Retirement. Your biggest adventure yet? Your guide to retiring abroad Retirement. Your biggest adventure yet? Your guide to retiring abroad Retirement. Your biggest adventure yet? Inside this guide: Planning for success Picking the right destination

More information

Car Insurance Policy Summary

Car Insurance Policy Summary Car Insurance Policy Summary This policy summary outlines your car insurance cover, please read this carefully. It does not give details of all of the policy limits, terms, conditions and exclusions. For

More information

Policy Summary of Income Protection Cover

Policy Summary of Income Protection Cover Policy Summary of Income Protection Cover FLIP/5332/Jun14 This policy summary contains key information about Friends Life Individual Protection Income Protection Cover. You should read this summary carefully

More information

ERASMUS+ MASTER LOANS

ERASMUS+ MASTER LOANS ERASMUS+ MASTER LOANS Erasmus+ Master Loan: opening up access to more affordable lending for cross-border studies The Erasmus+ programme makes it possible for students who want to take a full Master's-level

More information

Health care in Scotland for UK passport holders living abroad

Health care in Scotland for UK passport holders living abroad Health care in Scotland for UK passport holders living abroad If you have a UK passport and you live abroad, this factsheet tells you how you can get health care from the NHS when you are in Scotland.

More information

Employee eligibility to work in the UK

Employee eligibility to work in the UK Employee eligibility to work in the UK This document details legal requirements that apply to ALL new members of staff All employers in the UK are legally bound to comply with the Asylum and Immigration

More information

Zurich Accidental Death Cover. Terms and conditions

Zurich Accidental Death Cover. Terms and conditions Zurich Accidental Death Cover Terms and conditions Contents Terms and conditions Introduction 3 Roles and responsibilities 4 Zurich s roles and responsibilities 4 Your roles and responsibilities 4 Your

More information

Energy prices in the EU Household electricity prices in the EU rose by 2.9% in 2014 Gas prices up by 2.0% in the EU

Energy prices in the EU Household electricity prices in the EU rose by 2.9% in 2014 Gas prices up by 2.0% in the EU 92/2015-27 May 2015 Energy prices in the EU Household electricity prices in the EU rose by 2.9% in 2014 Gas prices up by 2.0% in the EU In the European Union (EU), household electricity prices 1 rose by

More information

PLAN PRICE GUIDE 74.99. Allowance 50GB Data, unlimited minutes, unlimited texts, inclusive Roaming in selected countries 1,2, 200 084

PLAN PRICE GUIDE 74.99. Allowance 50GB Data, unlimited minutes, unlimited texts, inclusive Roaming in selected countries 1,2, 200 084 PLAN PRICE GUIDE Pay Monthly For new and upgrading customers from 27th April 2016 EE Complete 24 month plans 74.99 79.99 84.99 Allowance 50GB Data, unlimited minutes, unlimited texts, inclusive Roaming

More information

ZURICH SIMPLE LIFE INSURANCE

ZURICH SIMPLE LIFE INSURANCE ZURICH SIMPLE LIFE INSURANCE Key facts Helping you decide This important document gives you a summary of Zurich Simple Life Insurance. Please keep it for future reference. About Zurich Simple Life Insurance

More information

for people coming to Scotland to work

for people coming to Scotland to work for people coming to Scotland to work In Scotland, most health care is provided by the National Health Service (NHS). If you are coming from overseas to work in Scotland, and you live here legally, this

More information

Personal and Executive Income Protection from Aviva. Key Features

Personal and Executive Income Protection from Aviva. Key Features Personal and Executive Income Protection from Aviva Key Features 1 Key features of Income Protection from Aviva Please read the Key Features document. It highlights the main features and benefits of the

More information

Business Mobile Plans

Business Mobile Plans PRODUCT SOLUTIONS Business Mobile Plans GUERNSEY Whatever the size of your business, we can provide the ideal mobile solution for you. Our tariffs are flexible to suit all kinds of businesses and are designed

More information

Conditions for entitlement to disability benefits, 2013

Conditions for entitlement to disability benefits, 2013 Austria Belgium Bulgaria Croatia Cyprus Reduction in capacity for work of 50%. Reduction of capacity for work of at least 66%. 50% reduction in working capacity/degree of disability. More than 50% reduction

More information

About us. As our customer you will be able to take advantage of the following benefits: One Provider. Flexible Billing. Our Portal.

About us. As our customer you will be able to take advantage of the following benefits: One Provider. Flexible Billing. Our Portal. About us At RoamingExpert we specialise in mobile roaming tariffs which are tailored to the specific needs of the yachting industry. Our unique offering generates significant savings when compared to standard

More information

TRANSFERS FROM AN OVERSEAS PENSION SCHEME

TRANSFERS FROM AN OVERSEAS PENSION SCHEME PENSIONS PROFILE DECEMBER 2011 TRANSFERS FROM AN OVERSEAS PENSION SCHEME = Summary A simplified guide to the process: 1. Individual requests transfer from their overseas pension scheme to their UK registered

More information

Executive Income Protection

Executive Income Protection Executive Income Protection Policy conditions Reference PN37 02.09 Contents Page 1 Introduction 2 2 Premiums 5 3 Insured benefit 6 4 Proportionate benefit 7 5 Rehabilitation benefit 8 6 Hospitalisation

More information

KEY FEATURES OF THE ST. JAMES S PLACE INCOME REPLACEMENT PLAN

KEY FEATURES OF THE ST. JAMES S PLACE INCOME REPLACEMENT PLAN KEY FEATURES OF THE ST. JAMES S PLACE INCOME REPLACEMENT PLAN CONTENTS PAGE Its aims 1 Your commitment 1 Risk factors 1 Questions and answers What is the St. James s Place Income Replacement Plan? 2 How

More information

National Counties Building Society. A guide to our Buy to Let Mortgage lending criteria

National Counties Building Society. A guide to our Buy to Let Mortgage lending criteria National Counties Building Society A guide to our Buy to Let Mortgage lending criteria Issued: 01 July 2016 A guide to our Buy to Let Mortgage lending criteria Introduction This document outlines a summary

More information

family income assurance

family income assurance family income assurance Plan Conditions Document Reference FIA - 3 This is an imptant document so please keep it in a safe place. Family Income Assurance Plan Conditions Welcome to LV=, and thank you f

More information

Health care in Sweden for foreign students [Sjukvård i Sverige för utländska studenter]

Health care in Sweden for foreign students [Sjukvård i Sverige för utländska studenter] Health care in Sweden for foreign students [Sjukvård i Sverige för utländska studenter] This fact sheet is intended for people from abroad who travel to Sweden to study. It describes the rules that apply

More information

Replacement Migration

Replacement Migration Population Division Department of Economic and Social Affairs United Nations Secretariat Replacement Migration United Nations ST/ESA/SER.A/206 Population Division Department of Economic and Social Affairs

More information

TPI: Traffic Psychology International on a common European curriculum for postgraduate education in traffic psychology

TPI: Traffic Psychology International on a common European curriculum for postgraduate education in traffic psychology TPI: Traffic Psychology International on a common European curriculum for postgraduate education in traffic psychology Sucha, M.*, Sramkova, L.** DeVol, D.* * TPI - Traffic Psychology International **

More information

Visa Information 2012

Visa Information 2012 Visa Information This document is intended to provide you with information on obtaining the correct visa to enter Australia to attend the Global Eco Asia-Pacific Tourism Conference however it is a guideline

More information

PORTABILITY OF SOCIAL SECURITY AND HEALTH CARE BENEFITS IN THE UNITED KINGDOM

PORTABILITY OF SOCIAL SECURITY AND HEALTH CARE BENEFITS IN THE UNITED KINGDOM PORTABILITY OF SOCIAL SECURITY AND HEALTH CARE BENEFITS IN THE UNITED KINGDOM Johanna Avato Human Development Network Social Protection and Labor The World Bank Background study March 2008 The UK Social

More information

Carer s Allowance and Carer s Credit

Carer s Allowance and Carer s Credit Carer s Allowance and Carer s Credit Benefit and support you may get if you are caring for someone 2 Introduction This leaflet: explains what Carer s Allowance and Carer s Credit are asks some questions

More information

Zurich Simple Life Insurance

Zurich Simple Life Insurance Zurich Simple Life Insurance Terms and conditions The simple way to help protect your loved ones financially Contents 1. Who can have the plan? 3 2. When we will pay the cash sum 3 3. When we won t pay

More information

International Services tariff

International Services tariff International Services tariff Contents International Services Sending money abroad 1 International payments 1 International drafts 1 Receiving money from abroad 1 Cut-off times and exchange rates 2 BIC

More information

U.S. Visas U.S. Department of State Bureau of Consular Affairs

U.S. Visas U.S. Department of State Bureau of Consular Affairs U.S. Visas U.S. Department of State Bureau of Consular Affairs Citizens of Canada and Bermuda Citizens of Canada traveling to the United States do not require a nonimmigrant visa if traveling on business

More information

10. Driving in Ireland

10. Driving in Ireland There are a variety of issues you will need to be aware of if you plan to drive in Ireland on your return. Driver s Licence Can I use my driver s licence if I am returning from a country covered by EC

More information

Adobe Public Relations (PR) Guidelines

Adobe Public Relations (PR) Guidelines Adobe Public Relations (PR) Guidelines Adobe Partner Connection Reseller Program and Adobe Partner Connection Distributor Program Thank you for participating in the Adobe Partner Connection Reseller or

More information

Business Protection Life Insurance

Business Protection Life Insurance Document reference: MIMIBPLP1 Keep me safe Business Protection Life Insurance Policy Conditions These Policy Conditions tell you how LV= Business Protection Life Insurance wks in me detail. Together with

More information

INTERNATIONAL SERVICES TARIFF

INTERNATIONAL SERVICES TARIFF INTERNATIONAL SERVICES TARIFF Supporting your international business Our service promise. If you experience a problem, we will always try to resolve it as quickly as possible. Please bring it to the attention

More information

Family benefits Information about health insurance country. Udbetaling Danmark Kongens Vænge 8 3400 Hillerød. A. Personal data

Family benefits Information about health insurance country. Udbetaling Danmark Kongens Vænge 8 3400 Hillerød. A. Personal data Mail to Udbetaling Danmark Kongens Vænge 8 3400 Hillerød Family benefits Information about health insurance country A. Personal data Name Danish civil registration (CPR) number Address Telephone number

More information

IMMIGRATION TO CANADA

IMMIGRATION TO CANADA NOTE: IMMIGRATION TO CANADA 1928-1971 RANK COUNTRY OF ORIGIN TOTALS 1 United Kingdom * 1152415 2 United States of America 527346 3 Italy 471940 4 Germany 370641 5 Netherlands 185664 6 Poland 117244 7 Greece

More information

Ninth United Nations Survey of Crime Trends and Operations of Criminal Justice Systems POLICE

Ninth United Nations Survey of Crime Trends and Operations of Criminal Justice Systems POLICE Indicators as defined by the (- ) POLICE 2. Crimes recorded in criminal (police) statistics, by type of crime including attempts to commit crimes 2.2 Total recorded intentional homicide, completed (c)

More information

April 2006 GPC. General Practitioners Committee. Overseas visitors - who is eligible for NHS treatment? Guidance for GPs

April 2006 GPC. General Practitioners Committee. Overseas visitors - who is eligible for NHS treatment? Guidance for GPs April 2006 GPC General Practitioners Committee Overseas visitors - who is eligible for NHS treatment? Guidance for GPs Overseas visitors who is eligible for NHS treatment? There is considerable confusion

More information

BOX MOTOR LEGAL PROTECT Legal Expenses Insurance Policy Summary

BOX MOTOR LEGAL PROTECT Legal Expenses Insurance Policy Summary What is Box Motor Legal Protect? If you have an accident which is not your fault, you are entitled to recover your uninsured losses from the negligent third party. Box Motor Legal Protect is a contract

More information

Genuine BMW Accessories. The Ultimate Driving Machine. BMW Trackstar. tracked. recovered. BMW TRACKSTAR.

Genuine BMW Accessories. The Ultimate Driving Machine. BMW Trackstar. tracked. recovered. BMW TRACKSTAR. Genuine BMW Accessories BMW Trackstar The Ultimate Driving Machine stolen. tracked. recovered. BMW TRACKSTAR. stolen vehicle TRACKING SYSTEM. stolen. tracked. recovered. BMW Trackstar Stolen Vehicle Recovery

More information

Reporting practices for domestic and total debt securities

Reporting practices for domestic and total debt securities Last updated: 4 September 2015 Reporting practices for domestic and total debt securities While the BIS debt securities statistics are in principle harmonised with the recommendations in the Handbook on

More information

NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE DOES NOT IMPROVE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED BY LAW.

NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE DOES NOT IMPROVE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED BY LAW. NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE DOES NOT IMPROVE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED BY LAW. 1. Promotion Description: The ' Libidex $500 v3.0' ("Sweepstakes") begins on 01/11/2016

More information

Chase Online SM Wire Transfer Help Guide page 1 of 16. How to Send Wire Transfers on Chase Online SM

Chase Online SM Wire Transfer Help Guide page 1 of 16. How to Send Wire Transfers on Chase Online SM Chase Online SM Wire Transfer Help Guide page 1 of 16 How to Send Wire Transfers on Chase Online SM For a convenient, secure and quick way to send money directly to someone s bank account, use a wire transfer

More information

INTERNATIONAL. Helping your money travel around the world. International payments travel money and CHAPS. Talk to us today

INTERNATIONAL. Helping your money travel around the world. International payments travel money and CHAPS. Talk to us today INTERNATIONAL Helping your money travel around the world International payments travel money and CHAPS Talk to us today Access your money, at home and away Maybe you have family overseas and want to send

More information

Key features of Zurich Accidental Death Cover

Key features of Zurich Accidental Death Cover Key features of Zurich Accidental Death Cover Contents Helping you decide This important document gives you a summary of Zurich Accidental Death Cover. Please read this and keep it for future reference.

More information

COMMUNICATION FROM THE COMMISSION

COMMUNICATION FROM THE COMMISSION EUROPEAN COMMISSION Brussels, 17.9.2014 C(2014) 6767 final COMMUNICATION FROM THE COMMISSION Updating of data used to calculate lump sum and penalty payments to be proposed by the Commission to the Court

More information

Moving to and returning from abroad - benefits and services

Moving to and returning from abroad - benefits and services Factsheet Moving to and returning from abroad - benefits and services This factsheet explains how a temporary or permanent move abroad could affect your entitlement to benefits and health care, and what

More information

World Consumer Income and Expenditure Patterns

World Consumer Income and Expenditure Patterns World Consumer Income and Expenditure Patterns 2014 14th edi tion Euromonitor International Ltd. 60-61 Britton Street, EC1M 5UX TableTypeID: 30010; ITtableID: 22914 Income Algeria Income Algeria Income

More information

Key features of the Decreasing Mortgage Cover Plan Helping you decide

Key features of the Decreasing Mortgage Cover Plan Helping you decide Key features of the Decreasing Mortgage Cover Plan Helping you decide This important document gives you a summary of the Decreasing Mortgage Cover Plan. Please read this with your illustration, if you

More information

European Health Cover

European Health Cover European Health Cover Connecting you to medical expertise wherever you are. European Health Cover European Health Cover Peace of mind We ll help connect you to the right medical expertise, wherever you

More information

CO1.2: Life expectancy at birth

CO1.2: Life expectancy at birth Definitions and methodology CO1.2: at birth at birth is the average number of years a newborn can expect to live if he or she experienced the age-specific mortality rates prevalent in a particular year.

More information

European Research Council

European Research Council ERC Starting Grant Outcome: Indicative statistics Reproduction is authorised provided the source ERC is acknowledged ERCEA/JH. ERC Starting Grant: call Submitted and selected proposals by domain Submitted

More information

Computing our Future Computer programming and coding in schools in Europe. Anja Balanskat, Senior Manager European Schoolnet

Computing our Future Computer programming and coding in schools in Europe. Anja Balanskat, Senior Manager European Schoolnet Computing our Future Computer programming and coding in schools in Europe Anja Balanskat, Senior Manager European Schoolnet ABOUT THE SURVEY What do Ministries currently think about the topic? Curricula

More information

RULES FOR THE REIMBURSEMENT OF TRAVEL AND SUBSISTENCE EXPENSES FOR EXCHANGE OF OFFICIALS

RULES FOR THE REIMBURSEMENT OF TRAVEL AND SUBSISTENCE EXPENSES FOR EXCHANGE OF OFFICIALS EUROPEAN COMMISSION CONSUMERS, HEALTH AND FOOD EXECUTIVE AGENCY Consumers and Food Safety Unit RULES FOR THE REIMBURSEMENT OF TRAVEL AND SUBSISTENCE EXPENSES FOR EXCHANGE OF OFFICIALS CONSUMER PROGRAMME

More information

187/2014-5 December 2014. EU28, euro area and United States GDP growth rates % change over the previous quarter

187/2014-5 December 2014. EU28, euro area and United States GDP growth rates % change over the previous quarter 187/2014-5 December 2014 This News Release has been revised following an error in the data for Gross Fixed Capital Formation. This affects both the growth of GFCF and its contribution to GDP growth. All

More information

ENTERING THE EU BORDERS & VISAS THE SCHENGEN AREA OF FREE MOVEMENT. EU Schengen States. Non-Schengen EU States. Non-EU Schengen States.

ENTERING THE EU BORDERS & VISAS THE SCHENGEN AREA OF FREE MOVEMENT. EU Schengen States. Non-Schengen EU States. Non-EU Schengen States. ENTERING THE EU BORDERS & VISAS THE SCHENGEN AREA OF FREE MOVEMENT An area without internal borders where EU citizens and non-eu nationals may move freely EU Schengen States Non-Schengen EU States IS Azores

More information

99/2015-9 June 2015. EU28, euro area and United States GDP growth rates % change over the previous quarter

99/2015-9 June 2015. EU28, euro area and United States GDP growth rates % change over the previous quarter 2005Q1 2005Q2 2005Q3 2005Q4 2006Q1 2006Q2 2006Q3 2006Q4 2007Q1 2007Q2 2007Q3 2007Q4 2008Q1 2008Q2 2008Q3 2008Q4 2009Q1 2009Q2 2009Q3 2009Q4 2010Q1 2010Q2 2010Q3 2010Q4 2011Q1 2011Q2 2011Q3 2011Q4 2012Q1

More information

Application Form: Receptionist / PA to the Senior Leadership Team

Application Form: Receptionist / PA to the Senior Leadership Team Application Form: Receptionist / PA to the Senior Leadership Team This application form is written in BLACK ink. Please answer the questions in dark blue and return electronically to Lesley Starkes, Finance

More information

Motorcycle Personal Accident Insurance

Motorcycle Personal Accident Insurance Motorcycle Personal Accident Insurance Contents Your Demands and Needs Your Insurance Definitions Eligibility What is Covered Additional Benefits What We Will Not Cover General Exclusions General Conditions

More information

International Wire Transfers Help Guide Transfer Funds to Overseas Banks

International Wire Transfers Help Guide Transfer Funds to Overseas Banks PERSONAL ONLINE BANKING International Wire Transfers Help Guide Transfer Funds to Overseas Banks Follow the instructions within this guide to Create, Edit, Cancel or Make a new wire transfer from an existing

More information

Key Features of the Forester Life Mortgage Protection Options Plan. Key Features

Key Features of the Forester Life Mortgage Protection Options Plan. Key Features Key Features of the Forester Life Mortgage Protection Options Plan The Financial Conduct Authority is a financial services regulator. It requires us, Forester Life, to give you this important information

More information

Hungary s labour market indicators continue to improve

Hungary s labour market indicators continue to improve Hungary s labour market indicators continue to improve Employment rate higher again in Hungary According to the latest data, the positive trend regarding growth in the number of people in employment has

More information

Malta Companies in International Tax Structuring February 2015

Malta Companies in International Tax Structuring February 2015 INFORMATION SHEET No. 126 Malta in International Tax Structuring February 2015 Introduction Malta is a reputable EU business and financial centre with an attractive tax regime and sound legislative framework.

More information

Global Dialing Comment. Telephone Type. AT&T Direct Number. Access Type. Dial-In Number. Country. Albania Toll-Free 00-800-0010 888-426-6840

Global Dialing Comment. Telephone Type. AT&T Direct Number. Access Type. Dial-In Number. Country. Albania Toll-Free 00-800-0010 888-426-6840 Below is a list of Global Access Numbers, in order by country. If a Country has an AT&T Direct Number, the audio conference requires two-stage dialing. First, dial the AT&T Direct Number. Second, dial

More information

THE ORGANISATION AND FINANCING OF HEALTH CARE SYSTEM IN LATVIA

THE ORGANISATION AND FINANCING OF HEALTH CARE SYSTEM IN LATVIA THE ORGANISATION AND FINANCING OF HEALTH CARE SYSTEM IN LATVIA Eriks Mikitis Ministry of Health of the Republic of Latvia Department of Health Care Director General facts, financial resources Ministry

More information