The Universities & Colleges Personal Healthcare Scheme

Transcription

1 The Universities & Colleges Personal Healthcare Scheme Provides exclusive cover for employees of Universities & Colleges

2 While you get on with your life, let us take care of your healthcare needs. Whether it s paying for medical treatment, providing information and advice or helping to improve your lifestyle, we can help.

3 A long history of providing access to healthcare The Universities & Colleges Personal Healthcare Scheme has been providing private medical insurance to the higher and further education sector since The scheme was devised and is managed by Jardine Lloyd Thompson Benefit Solutions, leading advisers on Healthcare Solutions in the Tertiary Education sector. Underwritten by AXA PPP healthcare one of the UK s leading medical insurance providers. The scheme is currently one of the largest and most popular voluntary medical schemes in the UK, covering around 5,000 individuals. It is specially designed and costed for the benefit of university and college employees and their immediate families. AXA PPP healthcare gives you peace of mind The Universities & Colleges Personal Healthcare Scheme offers you the choice of when and where you receive treatment which is particularly important, considering the busy life that you lead. All employees of Universities and Colleges and their immediate families are eligible to join the scheme, including children up to 25 years old if they are in full time education. No medical examination is required. Benefits for you and your family The scheme offers child rates including year old dependants, provided they are in full time education. Child dependants aged who are not in full time education can continue in the group scheme at an adult rate. You can even stay in the scheme and continue your policy when you retire. The Universities & Colleges Personal Healthcare Scheme is explained in detail in this brochure, but should you have any questions, or wish to see a detailed product handbook, please ring us on (Lines are open 8am 8pm weekdays and 9am 1pm Saturdays. Calls may be recorded in case of subsequent query). The cover you d expect from one of the leading providers Providing the level of cover that s right for you We provide a range of different plans to suit your individual needs: AXA PPP healthcare Premier, Ideal, Key and Assure. Each plan offers you cover for private treatment. This includes in-patient and day-patient treatment, associated specialists charges, out-patient surgical procedures, radiotherapy and chemotherapy. In addition, each plan excluding the Assure plan provides you with out-patient cover for diagnostic tests, physiotherapy and other therapies (subject to the annual limits on each plan). All our plans also offer you out-patient CT, MRI and PET scans. The underwriting methods available As detailed in the Main exclusions and limitations section of this policy summary your cover is restricted for treatment of medical conditions you had prior to joining. How this applies to your cover will depend on which basis you choose to join the policy. You can join any of the policies either on moratorium or a fully underwritten basis. Moratorium Moratorium means we ll cover you for any new conditions that arise after joining. Plus, after the first two years, you may also be covered for any pre-existing conditions you had in the five years prior to joining. Fully underwritten we ask for medical history declarations on your application form. All pre-existing conditions are excluded for benefit subject to the rules and benefits of the plan. Medical history disregarded in some circumstances you can join Premier or AXA PPP healthcare Key on a medical history disregarded basis, provided your application is received within six weeks of joining your current employer, or within six weeks of the scheme being launched/re-launched by your employer. Providing you can confirm that neither yourself nor anyone else Call quoting reference

4 As an in-patient, you are covered for all your essentials during your hospital stay: accommodation, meals, nursing care, drugs and dressings. You will usually have your own private room, with an en-suite bathroom, television and telephone. We will also pay your specialists fees in full, as long as they are in line with the level customarily charged for the treatment you are given. covered on this policy, has any on-going claims or treatment, and there is no treatment planned or booked within three months of the start date of the policy. Whichever method you decide on will be confirmed on your membership statement. Further details can be found in the New medical conditions section of your membership handbook. Excesses A mandatory excess applies to this policy per person per annum. This means you pay the first 100 of eligible claims once each policy year, for each person covered by the policy. Higher excesses ( 200 and 500) are available. Full details of how the excess is applied can be found in the Additional information section of the membership handbook. The 6 Week Option An alternative way of saving on your premium is by choosing a 6 Week Option plan. This option can cut the cost of private medical insurance by up to 30%. All of our plans offer you the 6 Week Option whereby you agree to be treated by the NHS for out-patient surgical procedures, in-patient or day-patient treatment, if the waiting list is six weeks or less from the date treatment should take place. However there are certain common surgical procedures that are covered immediately for private treatment regardless of the NHS waiting list. In-patient and day-patient treatment explained In-patient treatment is treatment for a patient who is admitted to hospital and who occupies a bed overnight or longer, for medical reasons. We normally settle all eligible bills for this type of care directly with the hospital or specialist, so you will not be out of pocket. Day-patient treatment is treatment for a patient who is admitted to a hospital or day-patient unit because they need a period of medically supervised recovery but does not occupy a bed overnight. Out-patient treatment explained All our plans include cover for out-patient surgical procedures, radiotherapy, chemotherapy, magnetic resonance imaging (MRI), computerised tomography (CT) and positron emission tomography (PET) scans (subject to the annual limits on each plan). All of our plans excluding Assure also cover out-patient consultations, diagnostic tests and treatment by a clinical practitioner, including physiotherapy. Complementary therapies acupuncture, homeopathy, osteopathy and chiropractic treatments by recognised complementary practitioners are also covered on most of our plans when you are referred by your GP (subject to the annual limits on each plan). It is important to note that this outline and the plan information on pages 4 5 is only intended to provide you with a summary of the benefits offered by AXA PPP healthcare s range of policies. It should help you focus your thoughts on the most appropriate type of private medical insurance (PMI) cover for you. All PMI providers will give you this information in the same format. Further details are set out in the supporting literature, which you are strongly advised to read. You are also advised to read the Association of British Insurers (ABI) consumer guide, Are You Buying Private Medical Insurance in order to obtain a general view of medical insurance, if you have not already done so. A copy is included in this pack. 3 Call quoting reference 96369

5 AXA PPP healthcare Premier, Ideal, Key and Assure This benefits table provides a brief description of this private medical insurance from AXA PPP healthcare. It does not contain the full terms and conditions which can be found in the membership handbook, your membership statement and the directory of hospitals. The following is a summary of the key benefits of AXA PPP healthcare Premier, Ideal, Key and Assure. Benefits Assure Key Ideal Premier In-patient and day-patient treatment Hospital charges for treatment in a hospital listed in the Directory of Hospitals. Hospital charges for treatment in any hospital in the United Kingdom. Consultant/specialist fees. Diagnostic tests. Radiotherapy/chemotherapy. Psychiatric treatment. Out-patient treatment Surgical procedures. Radiotherapy/chemotherapy. Computerised tomography (CT), magnetic resonance imaging (MRI) and positron emission tomography (PET). The benefits detailed below have a combined limit of 400 per year The benefits detailed below have a combined limit of 900 per year The benefits detailed below have no annual limit Consultations with a consultant/specialist. Diagnostic tests. Physiotherapy and complementary practitioners charges. Within the above limit up to a combined maximum of 10 GP referred sessions per year. Within the above limit up to a combined maximum of 10 GP referred sessions per year. Within the above limit up to a combined maximum of 10 GP referred sessions per year. Psychiatric treatment. Additional benefits NHS cash benefit of 50 per night up to 2,000 a year. Day-patient and out-patient NHS radiotherapy and chemotherapy cash benefit of 50 a day up to 2,000 a year. Parent accommodation for one parent to stay with a child under 11 covered by the policy. Private ambulance. Hospital-at-home the cost of a nurse to administer intravenous chemotherapy for the treatment of cancer or intravenous antibiotics at home. Call quoting reference

6 AXA PPP healthcare is one of the UK s largest health insurance companies, covering nearly two million people. What is Assure? The Assure policy offers you cover as a UK resident, for private medical treatment in the UK, of new medical conditions that arise after you join. This includes in-patient and day-patient treatment, associated specialists charges, radiotherapy and chemotherapy. In addition, it provides you with cover for out-patient surgical procedures, computerised tomography (CT), magnetic resonance imaging (MRI) and positron emission tomography (PET). What is Key? The AXA PPP healthcare Key policy offers you the same cover as Assure. In addition it provides you with cover for up to 400 of benefits for out-patient diagnostic tests, consultations and complementary practitioner and clinical practitioner charges (including Physiotherapy). What is Ideal? The Ideal policy offers you the same cover as AXA PPP healthcare Key. In addition you will have cover for in-patient and out-patient treatment of psychiatric illness. It also provides you with cover for up to 900 of benefits for out-patient diagnostic tests, consultations and complementary practitioner and clinical practitioner charges (including physiotherapy) for each person covered on the policy. What is Premier? The Premier policy offers you the same cover as Ideal. In addition it provides you with unlimited cover for out-patient diagnostic tests, consultations and complementary practitioner and clinical practitioner charges (including physiotherapy) for each person covered on the policy. What are the main exclusions and limitations of AXA PPP healthcare Premier, Ideal, Key and Assure plans? As with all insurance policies, general exclusions apply. The following is a summary of the main exclusions and limitations of the policies. What are the main exclusions and limitations of cover? Ongoing, recurrent or long-term treatment of long-term illnesses (usually referred to as chronic conditions ). General dental procedures. Routine pregnancy and childbirth. In-patient or day-patient treatment or MRI, CT or PET scans not received in a hospital or scanning centre listed in the Directory of Hospitals. We pay most fees in full, but we only pay charges up to the average level if the person treating has in the past charged fees outside the range that is usual for the treatment they provide. Mandatory excess of 100. Treatment of medical conditions that existed, or you had symptoms of, before joining (unless on a MHD basis). Treatment of injuries sustained from playing professional sport. Assure and Key Psychiatric treatment. Where can I find more information? Recurrent, continuing and long-term treatment section of the membership handbook. Type of treatment section of the membership handbook. Type of treatment section of the membership handbook. Where you are covered for treatment section of the membership handbook. Who we pay for treatment section of the membership handbook. The additional information section of the membership handbook. New medical conditions section of the membership handbook. Type of treatment section of the membership handbook. Recurrent, continuing and long-term treatment section of the membership handbook. 5 Call quoting reference 96369

7 How long will my cover last? Your policy will be arranged for 12 months from the effective date on your membership statement. What do I do if I want to make a claim? If you need to make a claim simply call our team of Personal Advisers on Full details of how to make a claim are included in the membership handbook. How do I complain? We aim to provide you with the highest possible standards of service but there may be occasions when you feel that things have gone wrong for you and you are unhappy with us. If you have a complaint about any matter please contact us and we will do our best to address your concerns. Your feedback is vital to helping us improve. Further details on how to complain can be found in the Complaint and regulatory information section of your membership handbook. If you are dissatisfied with the outcome of our investigation, you can ask the Financial Ombudsman Service to consider your complaint. If you have a claim against AXA PPP healthcare In the unlikely event that AXA PPP healthcare becomes insolvent and is unable to pay the benefits under your policy, you are protected by the Financial Services Compensation Scheme (the FSCS). The first 2,000 of any claim is protected in full. For amounts above this the FSCS will ensure that policyholders are compensated to 90 per cent of the value that their policy would have paid. Further information about the operation of the scheme is available on the FSCS website: What if I change my mind? You have a 14 day cancellation period. During this period you have the right to cancel your policy and have your premium returned in line with the terms for cancellation at renewal, as detailed in the Legal rights and responsibilities part of the Complaint and regulatory information section of your membership handbook. The cancellation period begins on the day your contract is agreed or on the day you received your full policy terms, if this is later, and will also apply from each renewal date. Call quoting reference

8 There for you when you re healthy not just when you re ill Our team of Personal Advisers The personal touch begins from the moment you join, because there s a team of Personal Advisers on hand to help you with any queries you may have regarding your membership. You can call them about anything to do with your membership, from changing your personal details or queries regarding your benefits, to seeking guidance when arranging medical treatment. They will even help you fill out a claim form if required. To make it easy to contact our team, we provide you with a freephone direct line to them. Health at Hand information and support whenever you need it Health at Hand is our confidential health information service available to you and your family, as soon as you become a member. Staffed by registered nurses, midwives, pharmacists and counsellors, we re there to answer any health related queries you may have. Lines are open 24 hours a day, 365 days a year. The service covers everything from how to alleviate common ailments to how to contact local support groups. On request, Health at Hand can also post, fax or Health Fact Sheets on over 150 ailments and treatments. They re written in plain English and we call you to make sure they have arrived and to discuss the information with you. Health at Hand does not take the place of your GP, nor does it diagnose or prescribe. However, we know that sometimes it s just reassuring to talk to someone other than your GP in complete confidence. All calls are free of charge and you can ring us at any time, night or day, 365 days a year. As a member, you can also download Health at Hand Fact Sheets from our website To provide you with a health information service that s better than ever before, we have introduced a multiclinic telephone service within Health at Hand, staffed by healthcare professionals, specialising in the issues raised in each clinic. The clinics available are: Family Clinic eg bullying, first aid, eating disorders, teenage troubles. Care and Counselling Clinic eg stress and depression, addiction, bereavement. Pills and Prescriptions Clinic eg mixing drugs, pain relief, different medicines. Travel Clinic eg where to get inoculations, taking children on holiday. Healthy Living Clinic eg diet, nutrition, weight control, drinking, skincare. Men s Health Clinic eg prostate issues, testicular cancer, fertility, sexual issues. Women s Health Clinic eg menopause and HRT, cervical cancer, hysterectomy. Help when you re abroad Immediate emergency in-patient treatment abroad The plan you choose with the Universities & Colleges Personal Healthcare Scheme will provide you with limited medical treatment when travelling abroad of up to 40,000. This cover is only available for emergency in-patient hospital treatment in an overseas hospital. This benefit is available providing you haven t travelled abroad against medical advice, or gone abroad specifically for treatment. Under normal circumstances there is no cover on the policy for treatment received outside the United Kingdom. This cover should not be relied on in place of adequate travel insurance which we strongly recommend you take out whenever you travel abroad. Visit for details of such an arrangement. Evacuation or repatriation service If you can t get suitable or adequate emergency in-patient treatment, we ll arrange for you to be transported to the nearest suitable medical facility or even bring you home for treatment, if necessary. If a member is under 18, or where it is appropriate for the condition involved, we will arrange and pay for someone to accompany them. 7 Call quoting reference 96369

9 Our guarantee and what to do next Our guarantee Perhaps two of the greatest advantages of taking out an AXA PPP healthcare policy are the confidence and sense of security it can provide. We recognise our members are our business. That means your complete satisfaction is very important to us. We offer you this guarantee: If your application is accepted and you receive your membership documents, you will have 14 days in which to ensure you are completely satisfied with your cover. If you have not made a claim, you can cancel for any reason during this period and owe nothing. In the unlikely event of you wishing to cancel during those 14 days, any money that you have paid or we have collected will be returned, provided you have not claimed. Full details of our complaints procedure will be provided with your membership handbook and are available on request. All our policies are governed by the law of England and Wales and this is the law that is used in the case of any disputes. Your Direct Debit guarantee All banks and building societies that take part in the Direct Debit Scheme offer this guarantee. The efficiency and security of the scheme is monitored and protected by your own bank or building society. If the amounts to be paid or the payment dates change, we will notify you 10 working days in advance of your account being debited, or as otherwise agreed. If an error is made by us, or your bank, or building society, you are guaranteed a full and immediate refund from your branch of the amount paid. You can cancel a Direct Debit at any time by writing to your bank or building society. Please also send a copy of your letter to us. Here s what to do next Please check all your personal details on your application form, including your telephone number and the number of people you wish to cover. Sign and date the policyholder s declaration. Tick the level of cover that s right for you. Call quoting reference

10 Our hospital network Here is a list of all the general hospitals that appear in our Directory of Hospitals. You will receive more detailed information on these hospitals and scanning centres, psychiatric hospitals, oral and cataract surgery facilities and rehabilitation units included in our network with your policy documents and detailed regional information. You can access up to date information regarding our Directory of Hospitals via our website LONDON E1 BMI London Independent Hospital EC1 Moorfields Eye Hospital N12 London Day Surgery Centre (Day-patient unit) NW3 Royal Free Hospital NW4 BMI The Garden Hospital NW8 Hospital of St John and St Elizabeth Wellington Hospital* SE1 London Bridge Hospital SE3 BMI The Blackheath Hospital* SE5 King s College Hospital (Guthrie Clinic) SE28 Gallions Reach Dental Clinic (Day-patient unit) SW1 Lister Hospital SW3 SW5 SW19 W1 W2 W6 W12 WC1 Royal Brompton Hospital Royal Marsden Hospital Cromwell Hospital Parkside Hospital Princess Grace Hospital Harley Street Clinic London Clinic King Edward VII Hospital (Sister Agnes) London Clinic Portland Hospital for Women & Children St Mary s Hospital (Lindo Wing) Charing Cross Hospital Hammersmith Hospital (Sainsbury Wing) Great Ormond Street Hospital for Children SOUTH EAST ASHFORD ASHTEAD BASILDON BASINGSTOKE BECKENHAM BRENTWOOD BRIGHTON CANTERBURY CATERHAM CHEAM CHELMSFORD CHERTSEY CHICHESTER COLCHESTER CROYDON DARTFORD EASTBOURNE EAST GRINSTEAD ENFIELD FRIMLEY GREAT MISSENDEN GUILDFORD HARPENDEN HARROW HASTINGS HAVANT HAYWARDS HEATH HEMEL HEMPSTEAD HIGH WYCOMBE HITCHIN HORLEY Ashford Hospital (Shakespeare Suite) Capio Ashtead Hospital Basildon Hospital BMI The Hampshire Clinic BMI The Sloane Hospital* BUPA Hartswood Hospital Sussex Nuffield Hospital BMI The Chaucer Hospital* Capio North Downs Hospital St Anthony s Hospital Capio Springfield Hospital BMI The Runnymede Hospital Chichester Nuffield Hospital Capio Oaks Hospital BMI Shirley Oaks Hospital BMI Fawkham Manor Hospital BMI The Esperance Private Hospital McIndoe Surgical Centre BMI The King s Oak Private Hospital Frimley Park Hospital (Parkside Suite) BMI The Chiltern Hospital Guildford Nuffield Hospital Mount Alvernia Hospital BUPA Hospital Harpenden BMI The Clementine Churchill Hospital Northwick Park & St Mark s Hospitals BUPA Hospital Hastings BUPA Hospital Portsmouth Ashdown Nuffield Hospital Hemel Hempstead General Hospital BMI The Shelburne Hospital Capio Pinehill Hospital BUPA Gatwick Park Hospital HOVE HYTHE ILFORD KINGSTON-UPON-THAMES MAIDSTONE MARGATE MEDWAY MIDHURST MILTON KEYNES NEWPORT NORTHWOOD ORPINGTON ORSETT PRINCES RISBOROUGH READING REDBRIDGE REDHILL SAWBRIDGEWORTH SLOUGH SOUTHAMPTON SOUTHEND-ON-SEA STANMORE SUTTON TUNBRIDGE WELLS UXBRIDGE WATFORD WELWYN GARDEN CITY WINCHESTER WINDSOR WORTHING Hove Nuffield Hospital BUPA St Saviour s Hospital King George Hospital (Juniper Ward) New Victoria Hospital BMI The Somerfield Hospital Queen Elizabeth The Queen Mother Hospital (The Spencer Wing) BUPA Alexandra Hospital King Edward VII Hospital BMI The Saxon Clinic Orchard Hospital St Mary s Hospital BMI Bishops Wood Hospital BMI Chelsfield Park Hospital* Orsett Hospital BMI The Paddocks Hospital Capio Reading Hospital BUPA Roding Hospital BUPA Redwood Hospital Capio Rivers Hospital Wexham Park Hospital (Paragon Suite) BUPA Chalybeate Hospital BUPA Wellesley Hospital Royal National Orthopaedic Hospital Royal Marsden Hospital BUPA Hospital Tunbridge Wells Tunbridge Wells Nuffield Hospital Harefield Hospital BUPA Hospital Bushey Queen Elizabeth II Hospital BMI Sarum Road Private Hospital BMI The Princess Margaret Hospital BMI Goring Hall Hospital SOUTH WEST BATH BOURNEMOUTH BRISTOL DORCHESTER EXETER PLYMOUTH POOLE BMI The Bath Clinic Bournemouth Nuffield Hospital BUPA Hospital Bristol BMI The Winterbourne Hospital Exeter Nuffield Hospital Plymouth Nuffield Hospital BMI The Harbour Hospital SALISBURY SWINDON TAUNTON TORQUAY TRURO WESTON-SUPER-MARE YEOVIL Capio New Hall Hospital BMI The Ridgeway Hospital Somerset Nuffield Hospital Capio Mount Stuart Hospital Capio Duchy Hospital Weston General Hospital Yeovil District Hospital (The Kingston Wing) WEST MIDLANDS BANBURY BIRMINGHAM CHELTENHAM Foscote Private Hospital BMI The Priory Hospital Capio West Midlands Hospital Cheltenham & Gloucester Nuffield Hospital COVENTRY DROITWICH HEREFORD LEAMINGTON SPA GLOUCESTER BMI Meriden Wing Walsgrave Hospital BMI The Droitwich Spa Hospital Wye Valley Nuffield Hospital Warwickshire Nuffield Hospital Capio Winfield Hospital *Members will not be guaranteed a single room in these hospitals. 9 Call quoting reference 96369

11 WEST MIDLANDS NEWCASTLE-UNDER-LYME NUNEATON OSWESTRY OXFORD SHREWSBURY North Staffordshire Nuffield Hospital BMI Nuneaton Private Hospital George Eliot Hospital Robert Jones and Agnes Hunt Hospital Acland Hospital John Radcliffe Hospital Radcliffe Infirmary Nuffield Orthopaedic Centre Radcliffe Infirmary Shropshire Nuffield Hospital SOLIHULL STAFFORD SUTTON COLDFIELD TELFORD TETBURY WARWICK WOLVERHAMPTON WORCESTER BUPA Parkway Hospital Stafford Clinic Staffordshire General Hospital BUPA Hospital Little Aston Princess Royal Hospital (Apley Clinic) Tetbury Hospital (Day-patient) South Warwickshire Hospital (Lakin Suite) Wolverhampton Nuffield Hospital BUPA South Bank Hospital EAST MIDLANDS BEDFORD BOSTON BURY ST EDMUNDS CAMBRIDGE CHESTERFIELD DERBY GREAT YARMOUTH HUNTINGDON BMI The Manor Hospital Pilgrim Hospital (The Bostonian) Bury St Edmunds Nuffield Hospital BUPA Cambridge Lea Hospital Papworth Hospital BMI Chatsworth Suite, Chesterfield Royal Hospital East Midlands Nuffield Hospital James Paget Hospital Cromwell Clinic Hinchingbrooke Hospital IPSWICH KETTERING KING S LYNN LEICESTER LINCOLN LUTON NORTHAMPTON NORWICH NOTTINGHAM PETERBOROUGH The Suffolk Nuffield at Foxhall Road Kettering General Hospital Capio Woodland Hospital BMI The Sandringham Private Hospital BUPA Hospital Leicester Lincoln Nuffield Hospital The Cobham Clinic BMI Three Shires Hospital Northampton General Hospital BUPA Hospital Norwich BMI The Park Hospital Capio Fitzwilliam Hospital NORTH WEST BARROW IN FURNESS BLACKBURN BLACKPOOL BOLTON BURNLEY CARLISLE CHEADLE CHESTER CHORLEY CREWE LANCASTER LIVERPOOL Abbey Park Hospital BMI The Beardwood Hospital BUPA Fylde Coast Hospital BMI The Beaumont Hospital Abbey Gisburne Park Hospital Abbey Caldew Hospital BMI The Alexandra Hospital Grosvenor Nuffield Hospital Capio Euxton Hall Hospital BMI The South Cheshire Private Hospital Lancaster & Lakeland Nuffield Hospital Abbey Sefton Hospital Abbey Sefton Suite Sefton Suite, University Hospital Aintree Cardiothoracic Centre Lourdes Hospital MACCLESFIELD MANCHESTER NR. ORMSKIRK PRESTON ROCHDALE SALFORD ST HELENS WARRINGTON WHITEHAVEN WIGAN WIRRAL BUPA Regency Hospital BMI Victoria Park Hospital BUPA Hospital Manchester Christies Hospital Manchester Clinic (Royal Infirmary & Royal Eye Hospital) Capio Renacres Hospital Capio Fulwood Hospital BMI The Highfield Hospital Capio Oaklands Hospital Fairfield Independent Hospital BUPA North Cheshire Hospital West Cumberland Hospital (Cumbrian Clinic) Wrightington Hospital for Joint Disease BUPA Murrayfield Hospital NORTH EAST BRADFORD DONCASTER ELLAND GRIMSBY HARROGATE HULL LEEDS Capio Yorkshire Clinic Capio Park Hill Hospital BUPA Hospital Elland St Hugh s Hospital Duchy Nuffield Hospital BUPA Hospital Hull & East Riding BUPA Hospital Leeds BUPA Methley Park Hospital NEWCASTLE UPON TYNE NORTON SCARBOROUGH SCUNTHORPE SHEFFIELD WASHINGTON YORK Newcastle Nuffield Hospital Cleveland Nuffield Hospital BUPA Belvedere Hospital Scunthorpe General Hospital BMI Thornbury Hospital BUPA Hospital Washington Purey Cust Nuffield Hospital WALES ABERGAVENNY ABERYSTWYTH BRIDGEND CARDIFF Nevill Hall Hospital Bronglais General Hospital Princess of Wales Hospital (Bridgend Clinic) BUPA Hospital Cardiff CARMARTHEN LLANDUDNO NEWPORT SWANSEA WREXHAM BMI The Werndale Private Hospital North Wales Medical Centre St Joseph s Private Hospital Sancta Maria Hospital BUPA Yale Hospital SCOTLAND ABERDEEN AYRSHIRE DUNDEE EDINBURGH BMI The Albyn Hospital Abbey Carrick Glen Hospital BMI Fernbrae Hospital BUPA Murrayfield Hospital GLASGOW INVERNESS MELROSE STIRLING BMI Ross Hall Hospital Raigmore Hospital Borders General Hospital Abbey King s Park Hospital NORTHERN IRELAND ANTRIM BALLYKELLY BELFAST Antrim Hospital North West Independent Clinic Belfast City Hospital Musgrave Park Hospital Royal Belfast Hospital for Sick Children BELFAST CRAIGAVON DUNDONALD MAGHERAFELT NEWRY NEWTOWNARDS Royal Victoria Hospital Ulster Independent Clinic Craigavon Area Hospital Ulster Hospital Mid Ulster Hospital Daisy Hill Hospital Ards Hospital ISLE OF MAN DOUGLAS Nobles Isle of Man Hospital RAMSEY Ramsey Cottage Hospital CHANNEL ISLANDS GUERNSEY Princess Elizabeth Hospital (Victoria Wing) JERSEY Bon Air Daycare Centre General Hospital Call quoting reference

12 We want to make it as easy as possible to understand everything about your policy Glossary Medicine seems to have a language all of its own. Here are some terms that we use in this brochure and in your policy with which you may not be familiar: ABI Association of British Insurers the trade association for the UK insurance industry. We ve enclosed their independent guide to buying private medical insurance. CT scans Computerised tomography scans. A form of x-ray examination. It is particularly useful for making diagnoses in the head, chest and abdomen. Day-patient A patient who is admitted to a hospital or day-patient unit because they need a period of medically supervised recovery but does not occupy a bed overnight. Diagnostic tests Investigations such as x-rays or blood tests, to find or help to find the cause of your symptoms. Directory of Hospitals A document we publish which lists private hospitals, day-patient units and scanning centres in the UK that are covered by us. Family member The policyholder s current spouse or civil partner or any person (whether or not of the same sex) living permanently in a similar relationship with the policyholder and any of their or the policyholder s unmarried children. Fully underwritten We ask for medical history declarations on your application form. All pre-existing conditions are excluded for benefit subject to the rules and benefits of the plan. In-patient A patient who is admitted to hospital and who occupies a bed overnight or longer, for medical reasons. Medical condition Any disease, illness or injury, including psychiatric illness. Medical history disregarded basis We do not ask for medical history declarations on your application form. All pre-existing conditions are accepted for benefit subject to the rules and benefits of the plan. Because of the extra risk the subcriptions are higher than underwritten groups. Medical underwriting The process by which we assess your medical history and decide on what terms we may offer to cover you. Moratorium We ll cover you for any new conditions that arise after joining. Plus, after the first two years, you may also be covered for any pre-existing conditions you had in the five years prior to joining. MRI scans Magnetic resonance imaging scans. A way of medically mapping the body s tissues. It helps with non-invasive diagnosis and treatment planning of a wide range of diseases, including cancer. It doesn t use potentially harmful ionising radiation such as x-rays. Out-patient A patient who attends a hospital, consulting room, or out-patient clinic and is not admitted as a day-patient or an in-patient. PET scan Positron emission tomography scan. A way of diagnosing and monitoring many serious medical conditions, including heart problems and cancer. A very small radioactive injection is given to the patient and a PET camera is used to measure radioactivity in various parts of the body. Physiotherapy Physical treatment such as massage or exercises. Pre-existing conditions A medical condition, and conditions relating to it, which existed before your cover with us started. Radiotherapy/chemotherapy Treatments for cancer. Specialist A senior and experienced medical practitioner who has attained the status of an NHS consultant or equivalent. Surgical procedure An operation or other invasive procedure. 11 Call quoting reference 96369

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14 We re never satisfied until our client is Since the Scheme's introduction in 1981, the Universities & Colleges Personal Healthcare Scheme has benefited thousands of Universities & Colleges employees and paid out benefits in excess of 100 million. Jardine Lloyd Thompson Benefit Solutions in partnership with AXA PPP healthcare, have developed the Scheme to provide what is believed to be the most comprehensive voluntary healthcare scheme available providing a range of plans at competitive costs. To apply now, or if you have any questions, call AXA PPP healthcare today on quoting reference Lines are open 8am to 8pm weekdays, and 9am to 1pm Saturdays. Calls may be recorded in case of subsequent query. If you would like to receive this brochure or any other of our literature in a large print, audio (CD or tape) or Braille format please contact us. 13 Call quoting reference 96369

15 JLT Benefit Solutions Limited. Authorised and regulated by the Financial Services Authority. A member of the Jardine Lloyd Thompson Group. Registered Office: 6 Crutched Friars, London EC3N 2PH. Registered in England No VAT No quoting reference ISO14001 PB36007a/11.09 AXA PPP healthcare, Phillips House, Crescent Road, Tunbridge Wells, Kent TN1 2PL. AXA PPP healthcare limited. Registered Office: 5 Old Broad Street, London EC2N 1AD, United Kingdom. Registered in England No Authorised and regulated by the Financial Services Authority. AXA PPP healthcare In order to maintain a quality service, telephone calls may be monitored or recorded.