PG MUTUAL MEDICAL STARTER PLAN Private Medical Cover for You and Your Family

INCREASED BENEFITS FOR 2021

PG MUTUAL MEDICAL STARTER PLAN Private medical cover for you and your family

This brochure includes promotional and contractual information promotional PG Mutual Medical Starter Plan Why you need private medical cover

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

1 promotional MEDICAL STARTER PLAN

INTRODUCING THE PG MUTUAL MEDICAL WHY CHOOSE THE PG MUTUAL STARTER PLAN MEDICAL Starter PLAN? • All the benefits of private medical health cover. When you are ill you Finding a suitable private medical plan can be time consuming and difficult. That’s treatment for you and your do not want any uncertainty or why PG Mutual has teamed up with underwriting specialists - HMCA Insurance family. inconvenience, your worries can be and the medical plan administrators - HMCA Members to produce a great value • VIP treatment with the specialist substantial enough without added for money Medical Starter Plan that is tailor made for the busy professional. of your choice, at the time of your pressures. choice, at the hospital of your Whilst the National Health PG Mutual have chosen to work with HMCA Insurance and HMCA Members choice. Service has a very good system because of their commitment to excellent customer service, their many years • Any hospital on our list may for dealing with emergencies and of experience operating in an important market sector and due to their highly be used and others with prior chronic situations, the waiting agreement. competitive product offering. list nationwide for less urgent • Excellent benefits with substantial operations continues to grow. savings over other major plans. For more information visit the following website pages at pgmutual.co.uk: • Your children are included free. Having to wait months, or even years, suffering discomfort and pain • Why you need private medical cover These are just some of the reasons could have disastrous effects on why you should consider the PG • Summary of Benefits your work and family life. By joining Mutual Medical Starter Plan as the PG Mutual Medical Starter Plan, • Questions and answers your first choice for your private these problems will be overcome. • Checklist on Plan WHY IS THE PG MUTUAL PLAN SO • Insurance Product Information Document (IPID) COMPETITIVE? • Description of Benefits PG Mutual have selected HMCA Insurance as their partner as they have years of experience of the insurance and underwriting profession and are • Hospital Accommodation List able to arrange low cost, value for money products within the health care market. • HMCA Insurance have minimal advertising costs. Dealing with WE ARE HERE TO HELP membership groups and associations they do not use the normal media If you wish to discuss your healthcare outlets for advertising, for example national newspapers and television. requirements or the PG Mutual Medical • HMCA Insurance deal with group and association members through Starter Plan, please phone our helpline on existing channels of communication. Telephone helpline (01423) 796262 01423 796262 and quote PG Mutual • HMCA works with the Underwriter to minimise cost bases and this is reflected in the subscriptions it charges. 2 promotional MEDICAL STARTER PLAN Summary of benefits The maximum benefit payable for each person named on the Membership Certificate for acute surgical or acute medical conditions, in each subscription year, is £250,000. For full details, please refer to the personalised Description of Benefits in the contrctual information at the back of this brochure.

IN-HOSPITAL TREATMENT FOR OVERNIGHT OR LONGER STAYS

• Accommodation Charges PAID IN FULL • Benefit is also payable for in-hospital treatment such as:

• Medical charges for consultant physician fees, pathology • Ward Nursing Charges PAID IN FULL and investigations whilst in hospital.

• Ward Drugs PAID IN FULL • Contribution of £275 towards an initial consultation that results in an overnight stay. • A £100 a night tax-free cash benefit is available, for up to 30 nights, when • Radiotherapy and chemotherapy. NHS treatment is carried out solely as an NHS patient. This includes accident or emergency admissions. • Personal accidental death benefit of £500.

• Surgical charges for surgeons and anaesthetists combined fees, including • Personal accident disability cover of £250. aftercare, are dependent on the complexity of the surgery. Please refer to the Description of Benefits on pages 13 and 14.

• Theatre fees, consumables, drugs and surgical dressings are dependent on the complexity of the surgery. Please refer to Description of Benefits on pages 13 and 14. 3 promotional MEDICAL STARTER PLAN

SPECIAL GUARANTEED TRANSFER FACILITY MONEY-BACK GUARANTEE Cover can be transferred from an existing medical plan and future You must be satisfied or you may cancel the Medical Starter Plan within claims made for acute conditions originating at the time the member fourteen days for a full refund. was participating in a previous plan will be honoured. However, at the pgLH_Layout 1 09/01/2017 09:41 Page 1 time of joining if you or your dependants are undergoing treatment or investigations, these are excluded unless fully disclosed and accepted by us. If you think this may apply, please contact our confidentialpgmutual.co.uk helpline on 01423 796262 and the team will be happy to help. MEDICAL STARTER PLAN LONG-TERM ILLNESS All private health plans cover short-term medical conditions which are curable. Long-term conditions which are not covered are those which are MEMBERSHIP CARD recurrent, persistent or incurable. When a condition is first diagnosed (and did not exist prior to enrolment) benefit will be provided for such diagnosis and any necessary treatment, for one initial episode.

As private health cover was never intended to replace the NHS, but meant to complement the service, all subsequent treatment will be given by the NHS.

Tel: 01727 840095 Fax: 01727 832710 Email: [email protected] PG Mutual is the trading name of Pharmaceutical & General Provident Society Ltd. Registered oﬃce: 11 Parkway, Porters Wood, St Albans, Hertfordshire AL3 6PA. Incorporated in the United Kingdom under the Friendly Societies Act 1992, Registered Number 462F. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, Firm Reference Number 110023. promotional MEDICAL STARTER PLAN QUESTIONS AND ANSWERS Here is a list of the questions most frequently asked by members of trade and professional groups on the subject of private medical cover provided by the Medical Starter Plan. If you have any additional questions please telephone our Helpline on 01423 796262.

Q. Does the Medical Starter Plan have Q. I’m fit and healthy, why do I need Private Q. Can you explain the benefit levels in the an excess or deductible, such as the Medical Cover? Description of Benefits? first £500 of a claim being paid by the A. You may think you can put off taking out Private A. Charges for in-patient accommodation, ward member? Medical Cover until you need to use it, but you drugs and nursing charges are covered in A. No. Our underwriters believe that our members should remember not to leave it too late. If you full. Other benefits are based on the type of should have cover from the commencement were to be diagnosed now, with no cover in treatment received and the complexity of any of any treatment covered under the Medical place, you may well find you cannot get cover operations carried out. The complexity of all Starter Plan. However, excesses are available for this condition in future. operations is advised by the specialist carrying if you want to reduce your subscription, out your treatment. Our benefits are based on please ring 01423 796262 for more details. Q. I have no existing private medical cover, our experience of the likely costs involved and can I join? we apply limits to protect against overcharging Q. May I transfer from my plan to your A. Yes, you can join and after one full year’s which would have the effect of increasing Medical Starter Plan? membership providing you have been claims costs and our members’ subscriptions. A. Yes. If you are in a medical plan you can treatment and symptom free for 12 transfer to the Medical Starter Plan. consecutive months, HMCA will cover any Q. Are your terms similar to those in my pre-existing medical condition that occurred present plan? Q. Is the HMCA discount of up to 40% off prior to joining us. A. The benefits are summarised on pages 3 and just an introductory offer? 4 entitled ‘Summary of benefits’, and the A. No. This discount is applied throughout your Q. Who do I speak to when I want to make a Description of Benefits are in the contractual membership with HMCA. claim? information on pages 13 and 14. These may A. Our UK based claims team who offer a personal differ from your current plan. service and provide prompt settlement. 5 promotional MEDICAL STARTER PLAN

Q. If I transfer from another provider will Q. What happens if I am admitted to Q. Am I covered for sporting injuries? I be covered for pre-existing medical an NHS hospital? A. Yes. Benefits are payable however some conditions? A. If you choose to have all your treatment hazardous pursuits are excluded from the A. Yes, when you transfer any future claims made solely through the NHS, or it’s an emergency Personal Accident Benefit. for acute conditions originating at the time you admission, you will receive £100 a night spent were participating in your previous plan will in hospital, for up to 30 nights. Of course, this Q. Do you have restrictive clauses relating be honoured. However, when you join if you is tax-free cash which you keep to spend as to the NHS waiting lists? are undergoing treatment or investigations you wish. A. No. We do not have restrictive clauses relating these are excluded unless fully disclosed and to the NHS waiting lists. accepted by us. For more details telephone Q. May I choose the hospital which treats Q. What is the maximum age at which I our helpline on 01423 796262. me? A. Yes. There are no restrictions, you can use any may join the PG Mutual Medical Starter Plan or transfer from another plan? Q. Is the scope of the PG Mutual Medical of the hospitals detailed on our comprehensive Starter Plan wider than many others? list. If your preferred hospital is not listed A. There is no age limit when joining the plan. A. As well as providing comprehensive benefits please contact our Helpline. Q. What is Insurance Premium Tax (IPT)? for treatment of acute medical conditions Q. Do you pay my specialist or hospital A. IPT is a tax on general insurance, for example the Plan has a number of very important directly if I claim? motor, household and medical cover, levied extra features which extend the scope: A. Yes. We are happy to pay your specialist or by the Government. All subscriptions quoted • We include treatment for injuries sustained hospital on your behalf or we can reimburse by HMCA include IPT, where applicable. whilst playing sport. There are no specific you. exclusions. Q. Are my children covered free? • Children of Plan holders are included free, Q. Can you pay the hospital direct? A. Yes, the benefits of the plan are extended including unmarried children, either living at A. Yes. We have arrangements with leading to include all children of plan holders free, home or in full time education up to age 26. hospital groups and they will bill us direct for including unmarried children either living at any admissions to hospital. Please contact our home or in full time education up to age 26. Helpline for more information. 6 promotional MEDICAL STARTER PLAN

CHECKLIST You could compare the PG Mutual plan with other plans by using this checklist.

SPECIALIST CONTACTING HMCA BY TELEPHONE Freedom of Choice We have no automated telephone lines, calls are answered by our professional UK staff. An answerphone is in operation out of hours. If a CHOICE OF COUNTRYWIDE HOSPITALS message is left with a telephone number, we will get back to you. You have the choice of over 500 hospitals on our list and others with prior arrangement. no AGE RESTRICTIONS You can join at any age.

A PROMPT AND personal claims servicE is provided INITIAL CONSULTATION Our goal is to pay claims on the day we receive your hospital and You will be covered for an initial specialist’s consultation which specialist’s bills. results in treatment requiring an overnight or longer stay in hospital.

NO MEDICAL EXAMINATION CHILDREN ARE INCLUDED FREE OF CHARGE No medical examination is required when you join. EXCESS OR DEDUCTIBLE Special GUARANTEED transfer fACility This is available, for more details ring 01423 796262. Cover can be transferred from an existing plan and future claims made NHS Hospital Cash Benefit for acute conditions originating at the time you were participating in A £100 a night tax-free cash benefit is available, for up to 30 a previous plan will be honoured. However, at the time of joining if nights, if NHS treatment is carried out solely as an NHS patient. you or your dependants are undergoing treatment or investigations, This includes accident or emergency admissions. these are excluded unless fully disclosed and accepted by us. If you think this may apply, please contact our confidential helpline on PROsTHESES 01423 796262 and the team will be happy to help. HMCA includes these.

7 promotional HoSPITAL ACCoMMoDATIoN LIST You can use any hospital on this list, over 500 are available.

EnGlanD Cambridge Spire Cambridge Lea Hospital DEVON ESSEX BEDFOrDSHIrE Cambridge Nuffi eld Hospital Cambridge Barnstaple North Devon District Hospital Basildon Basildon University Hospital Bedford BMI Manor Hospital Cambridge Royal Papworth Hospital Exeter Nuffi eld Hospital Exeter Basildon Orwell Private Cardiothoracic Bedford Bedford General Hospital Cambridge Cambridge Heart Clinic Exeter Royal Devon & Exeter Hospital Unit Luton Luton & Dunstable University Huntingdon Cromwell Clinic Exmouth Exmouth Hospital Brentwood Nuffi eld Hospital Brentwood Hospital Huntingdon Hinchingbrooke Hospital Ilfracombe Ilfracombe Tyrrell Hospital Brentwood Spire Hartswood Hospital Peterborough Peterborough City Hospital Newton Abbott Newton Abbott Hospital Buckhurst Hill Holly House Hospital BErKSHIrE Peterborough Fitzwilliam Hospital Plymouth Derriford Hospital Chelmsford Baddow Hospital Ascot Heatherwood Hospital Wisbech North Cambridgeshire Hospital Plymouth Mount Gould Hospital Chelmsford Broomfi eld Hospital Reading Circle Reading Hospital Plymouth Nuffi eld Hospital Plymouth Chelmsford Springfi eld Hospital CHESHIrE Reading Spire Dunedin Hospital Plymouth Royal Eye Infi rmary Clacton-on-Sea Clacton & District Hospital Reading Royal Berkshire Hospital Altrincham Althrincham General Hospital Sidmouth Victoria Hospital Colchester Oaks Hospital Reading Berkshire Independent Hospital Cheadle BMI Alexandra Hospital Tavistock Tavistock Hospital Colchester Essex County Hospital Slough Wexham Park Hospital Chester Countess of Chester Hospital Teignmouth Teighnmouth Hospital Colchester Colchester General Hospital Slough Spire Thames Valley Hospital Chester Nuffi eld Hospital Grosvenor Tiverton Tiverton & District Hospital Epping St Margaret’s Hospital Windsor King Edward VII Hospital Crewe Leighton Hospital Torquay Mount Stuart Hospital Grays Orsett Hospital Windsor BMI Princess Margaret Hospital Macclesfi eld Macclesfi eld District General Torquay Torbay Hospital Harlow Princess Alexandra Hospital Hospital BrISTOL Havering Queen’s Hospital Macclesfi eld Spire Regency Hospital DOrSET Illford King George Hospital Bristol Spire Bristol ‘Glen’ Hospital Runcorn Halton General Hospital Bournemouth Christchurch Hospital Maldon St Peter’s Hospital Bristol Nuffi eld Hospital Bristol Warrington Warrington Hospital Bournemouth Nuffi eld Hospital Bournemouth Redbridge Spire London East Hospital Bristol Bristol Eye Hospital Warrington Spire Cheshire Hospital Bournemouth Royal Bournemouth Hospital Southend-on-Sea Southend Hospital Bristol Frenchay Hospital Dorchester BMI Winterbourne Hospital Southend-on-Sea Spire Wellesley Hospital Bristol Bristol Royal Infi rmary COrNWALL Dorchester Dorset County Hospital Southend-on-Sea BMI Southend Private Hospital Bristol St Michael’s Hospital Falmouth Falmouth Hospital Poole BMI Harbour Hospital Bristol Southmead Hospital Hayle St Michael’s Hospital Sherborne Yeatman Hospital GLOUCESTErSHIrE Penzance West Cornwall Hospital BUCKINGHAMSHIrE Cheltenham Cheltenham General Hospital Truro Duchy Hospital DUrHAM Cheltenham Nuffi eld Hospital Cheltenham Amersham Amersham Hospital Truro Royal Cornwall Hospital Bishop Auckland Bishop Auckland Hospital Gloucester Gloucester Royal Hospital Aylesbury Stoke Mandeville Hospital Chester Le Street Chester Le Street Hospital Gloucester Winfi eld Hospital Gerrards Cross Chalfont & Gerrards Cross CUMBrIA Darlington Darlington Memorial Hospital Stroud Stroud General Hospital Hospital Barrow-in-Furness Furness Hospital Darlington BMI Woodlands Great Missenden BMI The Chiltern Hospital Carlisle Cumberland Infi rmary Durham University Hospital of North HAMPSHIrE High Wycombe BMI Shelburne Hospital Kendal Westmorland General Hospital Durham Basingstoke Basingstoke & North Hampshire High Wycombe Wycombe Hospital Whitehaven West Cumberland Hospital Hartlepool University Hospital of Hartlepool Hospital Milton Keynes BMI Saxon Clinic DErBYSHIrE Shotley Bridge Shotley Bridge Hospital Basingstoke BMI Hampshire Clinic Milton Keynes Milton Keynes General Hospital Stockton-on-Tees Nuffi eld Hospital Tees Eastleigh Nuffi eld Health Wessex Hospital Buxton Buxton Hospital Princes Risborough BMI The Paddocks Clinic Stockton-on-Tees University Hospital of North Havant Spire Portsmouth Hospital Derby Nuffi eld Hospital Derby Tees Lymington New Forest Hospital CAMBrIDGESHIrE Derby Royal Derby Hospital

Cambridge Addenbrookes Hospital 8 When we issue a claim form we will send an up to date list. If the hospital you would like to use is not on our list call 01423 796262. Portsmouth Queen Alexandra Hospital Longfi eld BMI Fawkham Manor Hospital Lincoln Lincoln County Hospital promotional Portsmouth St Mary’s NHS Treatment Maidstone Maidstone Hospital Louth County Hospital SE5 King’s College Hospital Centre Maidstone Maidstone KIMS Stamford Stamford & Rutland Hospital SE13 University Hospital Lewisham Southampton Spire Southampton Hospital Margate Queen Elizabeth the Queen E1 Royal London Hospital Southampton Southampton General Hospital Mother Hospital GrEATEr LONDON Whitechapel Southampton Princess Anne Hospital Margate Spencer Private Hospital Ashford Ashford Hospital E1 BMI London Independent Southampton Royal South Hants Hospital Orpington BMI Chelsfi eld Park Hospital Barnet Barnet Hospital Hospital Winchester Royal Hampshire County Sevenoaks Sevenoaks Hospital Carshalton St Helier Hospital EC1 Moorfi elds Eye Hospital Hospital Sidcup Queen Mary’s Hospital Enfi eld Chase Farm Hospital WC1 National Hospital for Neurology & Winchester BMI Sarum Road Hospital Tunbridge Wells Tunbridge Wells Hospital Enfi eld BMI Kings Oak Hospital Neurosurgery Tunbridge Wells Nuffi eld Hospital Tunbridge Enfi eld BMI The Cavell Hospital N18 North Middlesex University HErEFOrDSHIrE Wells Harefi eld Harefi eld Hospital Hospital Hereford Hereford County Hospital Tunbridge Wells Spire Tunbridge Wells Hospital Harrow Northwick Park Hospital SW19 Parkside Hospital Wimbledon Hereford Nuffi eld Hospital Hereford Harrow BMI Clementine Churchill W1 The Portland Hospital for Women LANCASHIrE Hospital HErTFOrDSHIrE & Children Blackburn BMI Beardwood Hospital Harrow St Mark’s Hospital SW15 Queen Mary’s Hospital Bishops Stortford Herts & Essex General Hospital Blackburn Royal Blackburn Hospital Isleworth West Middlesex University Roehampton Harpenden Spire Harpenden Hospital Blackpool Spire Fylde Coast Hospital Hospital NW3 Royal Free Hospital Hatfi eld One Hatfi eld Hospital Blackpool Victoria Hospital Kingston upon Thames Kingston Hospital SW3 Royal Marsden Hospital Hemel Hempstead Hemel Hempstead Hospital Bolton BMI Beaumont Hospital Kingston upon Thames New Victoria Hospital W1 Royal National Throat, Nose & Hertford Hertford County Hospital Bolton Royal Bolton Hospital Northwood BMI Bishops Wood Hospital Ear Hospital Hitchin Pinehill Hospital Burnley Burnley General Hospital Northwood Mount Vernon Hospital EC1 St Bartholemew’s Hospital Sawbridgeworth Rivers Hospital Chorley Euxton Hall Hospital Southall Ealing Hospital SW17 St George’s Hospital St Albans St Albans City Hospital Lancaster BMI Lancaster Hospital Stanmore Royal National Orthopaedic W2 St Mary’s Hospital Stevenage Lister Hospital Ormskirk Ormskirk & District General Hospital SE1 St Thomas’ Hospital Watford Spire Bushey Hospital Hospital Uxbridge Hillingdon Hospital NW1 University College Hospital Watford Watford General Hospital Ormskirk Renacres Hospital NW1 Western Eye Hospital Welwyn Garden City Queen Elizabeth II Hospital LONDON (Postal Area) Preston Fulwood Hall Hospital W1G Weymouth Street Hospital SE3 BMI Blackheath Hospital Preston Royal Preston Hospital E11 Whipps Cross Hospital ISLE OF WIGHT SW3 Royal Brompton Hospital N19 Whittington Hospital Newport St Mary’s Hospital LEICESTErSHIrE SW10 Chelsea & Westminster Hospital SW5 Cromwell Hospital Hinckley Hinckley & District Hospital W6 Charing Cross Hospital KENT Leicester Glenfi eld Hospital NW4 BMI Hendon Hospital Ashford One Ashford Hospital GrEATEr MANCHESTEr Leicester Leicester General Hospital WC1N Royal London Hospital for Ashford William Harvey Hospital Ashton-under-Lyne Tameside General Hospital Leicester Nuffi eld Hospital Leicester Integrated Medicine Beckenham BMI Sloane Hospital Bolton BMI The Beaumont Hospital Leicester Leicester Royal Infi rmary WC1 Great Ormond Street Hospital Benenden Benenden Hospital Bury Fairfi eld General Hospital Oadby Spire Leicester Hospital SE1 Guy’s Hospital Canterbury BMI Chaucer Hospital Leigh Leigh Infi rmary W12 Hammersmith Hospital Canterbury Kent & Canterbury Hospital Manchester Spire Manchester Hospital LINCOLNSHIrE W12 Queen Charlotte’s & Chelsea Chatham Spire Alexandra Hospital Manchester Christie Hospital Boston Boston West Hospital Hospital Dartford Darent Valley Hospital Manchester North Manchester General Boston Pilgrim Hospital N6 Highgate Hospital Deal Victoria Hospital Hospital Grantham Grantham & District Hospital WC1E Hospital for Tropical Diseases Dover Buckland Hospital Manchester Royal Manchester Children’s Grimsby St Hugh’s Hospital NW8 Hospital of St John & St Folkestone Royal Victoria Hospital Hospital Grimsby Diana Princess of Wales Elizabeth Gillingham Medway Maritime Hospital Manchester Royal Eye Hospital Hospital NW8 British Hernia Centre Herne Bay Queen Victoria Memorial Manchester Royal Infi rmary Lincoln BMI Lincoln Hospital W1G King Edward VII Hospital Hospital Manchester St Mary’s Hospital 9 When we issue a claim form we will send an up to date list. If the hospital you would like to use is not on our list call 01423 796262. Oldham Royal Oldham Hospital NOrTHUMBErLAND Staff ord Staff ordshire General Hospital promotional Rochdale Birch Hill Hospital Alnwick Alnwick Infi rmary Staff ord Rowley Hall Hospital Crawley Crawley Hospital Rochdale BMI Highfi eld Hospital Hexham Hexham General Hospital Stoke-on-Trent Royal Stoke University Hospital East Grinstead Queen Victoria Hospital Rochdale Rochdale Infi rmary East Grinstead McIndoe Surgical Centre Salford Oaklands Hospital NOTTINGHAMSHIrE SUFFOLK Haywards Heath Nuffi eld Hospital Haywards Salford Salford Royal Hospital Nottingham Nottingham City Hospital Bury-St-Edmunds BMI St Edmunds Hospital Heath Stockport Stepping Hill Hospital Nottingham BMI The Park Hospital Bury-St-Edmunds West Suff olk Hospital Haywards Heath Princess Royal Hospital Wigan Royal Albert Edward Infi rmary Nottingham Queens Medical Centre Ipswich Ipswich Hospital Horsham Horsham Hospital Wigan Wrightington Hospital Nottingham Circle Nottingham Clinic Ipswich Nuffi eld Hospital Ipswich Worthing Worthing Hospital Worthing BMI Goring Hall Hospital Wythenshawe Wythenshawe Hospital Nottingham Nottingham Woodthorpe SUrrEY Hospital MErSEYSIDE Nottingham Spire Hospital Ashtead Ashtead Hospital TYNE & WEAr Liverpool Broadgreen Hospital Sutton in Ashfi eld Kings Mill Hospital Camberley Frimley Park Hospital Gateshead Queen Elizabeth Hospital Liverpool Spire Liverpool Hospital Worksop Bassetlaw District General Caterham North Downs Hospital Newcastle Freeman Hospital Newcastle Nuffi eld Hospital Newcastle- Liverpool Royal Liverpool University Hospital Cheam Spire St Anthony’s upon-Tyne Hospital Chertsey BMI Runnymede Hospital Newcastle Royal Victoria Infi rmary Liverpool Liverpool Women’s Hospital OXFOrDSHIrE Chertsey St Peter’s Hospital Newcastle Walkergate Hospital Liverpool University Hospital Aintree Banbury Foscote Hospital Croydon BMI Shirley Oaks Hospital North Shields North Tyneside General Liverpool Liverpool Heart & Chest Banbury Horton General Hospital Epsom Epsom General Hospital Hospital Hospital Oxford Churchill Hospital Farnham Spire Clare Park Hospital South Shields South Tyneside District Hospital Ormskirk Ormskirk & District General Oxford Nuffi eld Orthopaedic Centre Guildford Nuffi eld Hospital Guildford Sunderland Sunderland Eye Infi rmary Oxford Nuffi eld Hospital Oxford (The Guildford BMI Mount Alvernia Hospital Hospital Sunderland Sunderland Royal Hospital Manor) Guildford Royal Surrey County Hospital Prescot Whiston Hospital Washington Spire Washington Hospital Oxford John Radcliff e Hospital Horley Spire Gatwick Park Hospital St Helens Fairfi eld Independent Hospital St Helens St Helens Hospital Kingston-upon-Thames BMI Coombe Wing WArWICKSHIrE SHrOPSHIrE Leatherhead Leatherhead Hospital Southport Southport & Formby District Leamington Spa Nuffi eld Warwickshire Hospital Oswestry Robert Jones & Agnes Hunt Redhill East Surrey Hospital General Hospital Nuneaton George Eliot Hospital Sutton Royal Marsden Hospital Wirral Clatterbridge Hospital Orthopaedic Hospital Rugby Hospital of St Cross Wirral Spire Murrayfi eld Hospital Shrewsbury Nuffi eld Hospital Shrewsbury Woking Nuffi eld Hospital Woking Stratford Circle Stratford Clinic Shrewsbury Royal Shrewsbury Hospital Wirral Arrowe Park Hospital SUSSEX - EAST Warwick Warwick Hospital Telford Princess Royal Hospital NOrFOLK Brighton Royal Alexandra Children’s WEST MIDLANDS SOMErSET Hospital Cromer Cromer Hospital Birmingham City Hospital Brighton Royal Sussex County Hospital Great Yarmouth James Paget University Bath BMI Bath Clinic Birmingham Children’s Hospital Hospital Bath Circle Bath Hospital Brighton Sussex Eye Hospital Birmingham Heartlands Hospital Norwich Spire Norwich Hospital Bath Royal National Hospital for Brighton Nuffi eld Hospital Brighton Birmingham BMI The Edgbaston Hospital Norwich Nolfolk & Norwich University Rheumatic Diseases Crowborough Horder Centre Birmingham BMI Priory Hospital Hospital Bath Royal United Hospital Eastbourne Eastbourne District General Birmingham Queen Elizabeth Hospital Taunton Musgrove Park Hospital Hospital Birmingham Royal Orthopaedic Hospital NOrTHAMPTONSHIrE Taunton Nuffi eld Hospital Taunton Hove Spire Montifi ore Hospital Birmingham Women’s Hospital Kettering Kettering General Hospital Weston Super Mare Weston General Hospital Lewes Victoria Hospital Coventry BMI Meriden Hospital Kettering Woodland Hospital Yeovil Yeovil District Hospital St Leonards-on-Sea Conquest Hospital Coventry University Hospital Coventry Northampton Northampton General Hospital St Leonards-on-Sea Spire Sussex Hospital Dudley Corbett Hospital Northampton BMI Three Shires Hospital STAFFOrDSHIrE Dudley Russells Hall Hospital Burton-on-Trent Queen’s Hospital SUSSEX - WEST Halesowen West Midlands Hospital Newcastle-under-Lyne Nuffi eld Hospital North Chichester Nuffi eld Hospital Chichester Solihull Birmingham Midland Eye Staff ordshire Chichester St Richard’s Hospital Centre 10 When we issue a claim form we will send an up to date list. If the hospital you would like to use is not on our list call 01423 796262. Solihull Spire Parkway Hospital YOrKSHIrE - WEST GLAMOrGAN - WEST promotional Solihull Solihull Hospital Bingley Yorkshire Clinic Neath Neath Port Talbot Hospital TAYSIDE Sutton Coldfi eld Good Hope Hospital Bradford Royal Infi rmary Swansea Morriston Hospital Arbroth Arbroth Infi rmary Sutton Coldfi eld Spire Little Aston Hospital Dewsbury Dewsbury & District Hospital Swansea Sancta Maria Hospital Brechin Stracathro Hospital Walsall Manor Hospital Elland Spire Elland Hospital Swansea Singleton Hospital Dundee BMI Fernbrae Hospital West Bromwich Sandwell General Hospital Huddersfi eld BMI Huddersfi eld Hospital Perth Perth Royal Infi rmary Wolverhampton New Cross Hospital Huddersfi eld Royal Infi rmary GWENT Wolverhampton Nuffi eld Hospital Keighley Airedale General Hospital Abergavenny Nevill Hall Hospital NOrTHErN IrELAND Wolverhampton Leeds Leeds General Infi rmary Newport St Joseph’s Hospital COUNTY ANTrIM Leeds Spire Leeds Hospital Belfast Belfast City Hospital WILTSHIrE Leeds Spire Methley Park GWYNEDD Belfast Kingsbridge Private Hospital Malborough Savernake Hospital Leeds Nuffi eld Hospital Leeds Bangor Gwynedd Hospital Belfast Mater Hospital Salisbury New Hall Hospital Leeds St James’s University Hospital Llandudno Llandudno General Hospital Belfast Musgrave Park Hospital Salisbury Salisbury District Hospital Pontefract Pontefract Hospital Belfast Royal Victoria Hospital Swindon Great Western Hospital Salterhebble Calderdale Royal Hospital ScotlanD Belfast Ulster Independent Clinic Swindon BMI Ridgeway Hospital Wakefi eld Pinderfi elds General Hospital CENTrAL Belfast Ulster Hospital Stirling BMI Kings Park Hospital Lisburn Lagan Valley Hospital WOrCESTEr HULL & EAST YOrKSHIrE Larbert Forth Valley Royal Hospital Newtownabbey Whiteabbey Hospital Droitwich BMI Droitwich Spa Hospital Cottingham Castle Hill Hospital GrAMPIAN Kidderminster Kidderminster Hospital Goole Goole & District Hospital COUNTY ArMAGH Redditch Alexandra Hospital Hull Spire Hull & East Riding Aberdeen BMI Albyn Hospital Craigavon Craigavon Area Hospital Aberdeen Royal Aberdeen Children’s Worcester Worcester Royal Hospital Hospital Hospital Worcester Spire South Bank Hospital Hull Royal Infi rmary COUNTY DOWN Aberdeen Aberdeen Royal Infi rmary Scunthorpe Scunthorpe General Hospital Downpatrick Downe Hospital Aberdeen Woodend Hospital YOrKSHIrE - NOrTH Newry Daisy Hill Hospital

Bridlington Bridlington & District Hospital WalES HIGHLAND Harrogate BMI The Duchy Hospital CLWYD COUNTY FErMANAGH Fort William Belford Hospital Harrogate Harrogate District Hospital Abergele Abergele Hospital Enniskillen South Western Acute Hospital Inverness Raigmore Hospital Malton Malton Norton & District Rhyl Glan Clwyd Hospital Wick Caithness General Hospital Hospital Wrexham Maelor Hospital LONDONDErrY

Ballykelly North West Independent Middlesborough James Cook University Hospital Wrexham Spire Yale Hospital LOTHIAN Northallerton Friarage Hospital Hospital Edinburgh Spire Murrayfi eld Hospital Scarborough Scarborough General Hospital DYFED Coleraine Causeway Hospital Edinburgh Spire Shawfair Park Hospital York Clifton Park Hospital Londonderry Altnagelvin Area Hospital Aberystwyth Bronglais General Hospital Edinburgh Royal Hospital for Sick Children York York District Hospital Magherafelt Mid Ulster Hospital Camarthen BMI Werndale Hospital Edinburgh Royal Infi rmary of Edinburgh York Nuffi eld Hospital York Camarthen Glangwili General Hospital Edinburgh Western General Hospital TYrONE Haverfordwest Withybush General Hospital Edinburgh The Edinburgh Clinic Dungannon South Tyrone Hospital YOrKSHIrE - SOUTH Livingston St John’s Hospital Omagh Tyrone County Hospital Barnsley Barnsley Hospital GLAMOrGAN - MID Doncaster Park Hill Hospital Bridgend Princess of Wales Hospital STrATHCLYDE CHANNEL ISLANDS Doncaster Royal Infi rmary Llantrisant Royal Glamorgan Hospital Alexandria Vale of Leven Hospital Rotherham Rotherham Hospital Merthyr Tydfi l Prince Charles Hospital Ayr BMI Carrick Glen Hospital Alderney Mignot Memorial Hospital Sheffi eld BMI Thornbury Hospital Ayr Ayr Hospital Guernsey Princess Elizabeth Hospital Sheffi eld Sheffi eld Children’s Hospital GLAMOrGAN - SOUTH Glasgow Nuffi eld Hospital Glasgow Jersey Jersey General Hospital Sheffi eld Claremont Hospital Cardiff Cardiff Bay Hospital Glasgow BMI Ross Hall Hospital Sheffi eld Northern General Hospital Cardiff Spire Cardiff Hospital Glasgow Queen Elizabeth University Sheffi eld Royal Hallamshire Hospital Cardiff The Vale Hospital, Hensol Hospital Sheffi eld Weston Park Hospital Cardiff University Hospital of Wales Greenock Inverclyde Royal Hospital Kilmarnock Crosshouse Hospital 11 When we issue a claim form we will send an up to date list. If the hospital you would like to use is not on our list call 01423 796262. . E INSU NC RA A N R C U E S . N I I N .

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N Description of Benefits The maximum benefit payable for each person named on the Membership Certificate for acute surgical or acute medical conditions, in each subscription year, is £250,000.

IN-HOSPITAL TREATMENT FOR OVERNIGHT OR LONGER STAYS

£ £

ACCOMMODATION CHARGES IN A HOSPITAL ON OUR Paid in full THEATRE FEES, CONSUMABLES, DRUGS AND HOSPITAL LIST SURGICAL DRESSINGS FOR EACH STAY IN HOSPITAL Major Plus Operation up to 2875 WARD NURSING CHARGES FOR EACH STAY IN Paid in full Major Operation up to 1750 HOSPITAL Intermediate Operation up to 1150 Minor Operation up to 825 NHS TREATMENT 100 a night Additional Benefit for an operation requiring specialised operative up to 3000 Treatment carried out solely as an NHS patient. This includes for up to techniques accident or emergency admissions. 30 nights a year SURGICAL CHARGES FOR EACH STAY IN HOSPITAL PROSTHESES FOR EACH STAY IN HOSPITAL Surgeons’ and Anaesthetists’ Combined Fees including aftercare. Prostheses payable in accordance with the operation. Major Plus Operation up to 1875 Major Plus Operation up to 3450 Major Operation up to 1260 Major Operation up to 1400 Intermediate Operation up to 850 Intermediate Operation up to 825 Minor Operation up to 485 Minor Operation up to 500 Additional Benefit for an operation requiring specialised operative up to 2200 Additional Benefit for an operation requiring up to 1500 techniques specialised operative techniques.

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IN-HOSPITAL TREATMENT - CONTINUED PERSONAL ACCIDENT BENEFITS £ 500 pathology, investigations & Physiotherapy PERSONAL ACCIDENT DEATH BENEFIT When charged individually by the hospital up to 1200 PERSONAL ACCIDENT DISABILITY COVER 250 When charged as part of a package price up to 550

WARD DRUGS & CONSUMABLES FOR EACH STAY IN HOSPITAL OUTPATIENT & ADDITIONAL BENEFITS When charged separately for in-hospital treatment. Paid in full RADIOTHERAPY/CHEMOTHERAPY each year PHYSICIAN FEES FOR NON SURGICAL STAYS IN A grant is given towards treatment up to 900 HOSPITAL up to 150 First three days INITIAL CONSULTATION for each day You will be covered for an initial specialists consultation which results up to 275 up to 75 for After three days intreatment requiring an overnight or longer stay in hospital. each day

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MEDICAL STARTER PLAN

MEMBERSHIP CARD

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1 DEFINITIONS 1.18.1 by ambulance to either an NHS or Private Hospital as a direct result of or immediately following an accident The following expressions have the following meanings 1.18.2 to either an NHS or Private Hospital directly from the Accident & Emergency or Casualty department for 1.1 Association HMCA Members. urgent or unplanned treatment 1.2 Scheme A Scheme, managed by HMCA Members, for providing benefits in respect of treatment for acute 1.18.3 to either an NHS or Private Hospital on the same day as a referral for treatment is made by either a General surgical or acute medical conditions for any disease, injury or illness on a short term basis by Specialists at Practitioner or Specialist, when immediate Treatment or Diagnostic Tests are a medical necessity any hospital on the list. 1.19 Chemotherapy - The treatment of cancer using specific chemical agents or drugs that are selectively 1.3 Insurer HMCA Insurance Limited. destructive to malignant cells and tissues. 1.4 Year Any twelve calendar months commencing at the date of enrolment or annual renewal of a subscription. 1.20 Ward Drugs - Medication which is administered whilst the patient is an in-patient on the ward. This does 1.5 Member A person who is either an individual or group and applies for enrolment under Condition 3.1 and not include Chemotherapy drugs. is accepted. 1.21 Day Case - An admission to a hospital that does not involve an overnight stay. 1.6 Dependants 1.6.1 The Member’s Spouse or partner if living at the same address. 2 EXCLUSIONS 1.6.2 A child, or grandchild, of the member, or the member’s partner, up to the age of 26, single and living at Benefits shall not be payable for:- home. 2.1 Treatment of a Long-Term Illness (refer to condition 3.3.2 to see how this exclusion is applied); monitoring 1.6.3 A child, or grandchild, of the member, or the member’s partner, in full time education. of any condition; routine follow-up consultations; treatment which does not address the underlying medical 1.7 Patient “The Patient” means the Member or one of his Dependants receiving benefits under the scheme. condition and only offers temporary relief of symptoms (i.e. palliative care). 1.8.1 NHS Hospital A hospital operated under the National Health Service with facilities for medical and surgical 2.2.1 Pre-existing injury or disease contracted prior to your enrolment date (or the member’s previous plan under treatment. the terms of the transfer facility). After one full year’s membership such pre-existing injury or disease and 1.8.2 Private Hospital A hospital or nursing home with facilities for medical and surgical treatment which conditions arising or resulting therefrom of which no symptoms (indication of a disease or disorder) have charges fees for its services and in the United Kingdom is registered under the Nursing Homes Act 1975 manifested themselves or treatment, or medication, or advice, including check-ups, has been rendered in (or is excluded from the definition of a nursing home in the Act by Section 1 (2)(a) thereof but is not an NHS the preceding 12 consecutive calendar months, will be covered. Hospital) or overseas is operated or recognised by the appropriate authority where it is situated. 2.2.2 At the time of joining, if the member is undergoing treatment or investigations (including with your General 1.9 Acute Medical Condition Any disease, illness or injury of rapid onset, severe symptoms and brief duration. Practitioner) these are excluded unless fully disclosed and accepted by the Insurer in writing. 1.10 Long-Term Illness A medical condition that has become either recurrent, persistent or incurable. 2.3 Pregnancy or childbirth, except in cases of complications of childbirth when the NHS benefit will be payable 1.11 Treatment Surgical or medical procedures undertaken by Specialists needed to diagnose and/or cure an subject to both parents having been enrolled for at least twelve months. acute medical condition. 2.4 The investigation or treatment of Infertility. 1.12 In-Hospital Treatment An overnight stay by a Member or his dependant for private treatment in a Private 2.5 Treatment for alcohol and drug abuse. Hospital in connection with the treatment of an acute medical condition. 2.6 Treatment for sexually transmissible diseases including Acquired Immune Deficiency Syndrome (AIDS) or 1.13 Specialist A medical or dental practitioner who is registered under the Medical Acts and holds or has held AIDS Related Complex (ARC) howsoever this Syndrome has been acquired or may be named. a consultant appointment in an NHS Hospital or otherwise holds a certificate of specialist accreditation 2.7 Treatment for injury or illness directly or indirectly occasioned by, happening through or in consequence of recognised by a competent authority. war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, riot, terrorism, 1.14 General Practitioner A registered medical practitioner in general practice. rebellion, revolution, insurrection, military or usurped power. 1.16 Interpretation Where appropriate, reference to the masculine gender shall be deemed to include the 2.8 Treatment or advice given by a General Practitioner or Dentist. feminine. 2.9 Self inflicted injuries or disabilities. 1.18 Accident or Emergency Admissions 2.10 Sight testing, routine medical examinations and any dental condition not involving an oro-surgical operation. 15 contractual 2.11 Spectacles or other optical aids, hearing aids, surgical medical appliances or equipment, denture or dental 3.10 The Insurer shall be entitled at any time in relation to a Member or Dependant to terminate the contract, appliances. or to subject the contract to different terms, if 2.12 Rehabilitation, convalescence, or time spent in a community or cottage hospital, a nursing home or similar (a) The Member, or an enrolled Dependant, has at any time establishment. (i) misled the Insurer by mis-statement or concealment. 2.13 Cosmetic surgery, whether or not for psychological reasons. (ii) otherwise failed to act with the utmost good faith. 2.14 Dialysis in Chronic Renal Failure. (b) the Member is a member of a group which is wound up, or whose special arrangements are amended. 2.15 Treatment received outside the country of residence when the purpose of being abroad is wholly or in part (c) The Insurer decides to discontinue the Scheme or any part thereof. to obtain such treatment, unless agreed in advance with HMCA. 3.11 The subscription is payable in advance and eligibility to benefit ends when the period covered by the 2.16 Home Nursing not falling within the definition hereinbefore contained. subscription has expired or any instalment of subscription has not been paid on the due date. 2.17 Treatment not being undertaken by a Specialist. 3.12 Where the annual subscription is paid by instalments, such instalments are payable for the full year. The 2.18 Treatment when received as a public ward patient in an NHS hospital. Insurer reserve the right to deduct any outstanding instalments on settlement of a claim. 2.19 (i) the completion of claim forms (ii) medical reports which may be required at any time in respect of Members 3.14 The Insurer will consider claims for treatment at hospitals on the list provided. Other hospitals may be or Dependants. accepted subject to prior notification and the Insurer’s written agreement. 2.20 Drugs and dressings prescribed on an out-patient basis. 3.15 Where discounts off the basic rates are allowed, only one discount will be given. 2.21 Treatment for mental illness or psychiatric disorders or anxiety/stress related conditions. 3.16 Benefitsmay be claimed for treatment by a specialist after referral from the patients GP. Where more than 2.22 Drugs not licensed in the U.K. for specific usage. one surgical procedure is carried out whilst an in-patient then the benefit payable towards Surgical Charges 2.24 Treatment of joint and back problems will not be covered for the first twelve months of membership. This and Theatre Fees shall be 100% of the highest rated procedure plus up to 50% of the appropriate benefit does not apply to members who enrol under the transfer condition or in respect of treatment required where for each subsequent procedure. For the purposes of benefits, operations are classified as Complex, Major accident is the sole cause. Plus, Major, Intermediate or Minor. When a course of treatment is received solely as an NHS patient, the 2.25 Correction of abnormalities or deformities which are congenital or which originate before the date of enrolment, cash benefit detailed shall be payable for each eligible night spent in hospital. and any treatment related to any such abnormality or deformity. 3.17 A claim form will be sent to the Member on request. Such a request should be made immediately the 2.26 Treatment which is experimental or has not been accepted as being effective. Member is advised to have Specialist treatment for which a claim for Benefit will be submitted. 2.27 Breast reductions for whatever reason. 3.19 A member shall not be entitled to ask for payment in any foreign currency and claims in any such currency 2.28 Accident or Emergency Admissions, except when the treatment is received free as an NHS patient, when the shall be paid in Pounds Sterling at the rate of exchange prevailing on the day of the cheque in settlement NHS grant is payable. of the claim is drawn. 2.29 Where previous treatment has been received by the member for any joint, either before they became a member 3.20 Any claim for benefit must not exceed the actual expenses incurred and is payable up to the limit for the of the scheme or since joining it, no benefit will be payable under this policy in the case of any revision or time being prescribed within the Member’s chosen level. Such a claim must be in the Insurer’s prescribed repeat treatment to that joint. form supported by accounts from whoever has provided the service. Any claim shall be made within three months of commencement of treatment or giving of advice. It shall be supported by such further evidence 3 CONDITIONS as the Insurer may reasonably require. In the event of treatment or the giving of advice continuing further 3.1 Anyone resident in the UK shall be eligible to apply for enrolment of himself and his Dependants in the Scheme. accounts shall be submitted within one month of them being rendered and the requirement as to further 3.2 The Insurer reserves the right to refuse any application or to restrict the range of benefits and the Applicant evidence shall apply. shall not be entitled to know the reason for such decision. 3.21 If expenses are covered by an insurance on the Member or by any Provident Association, the Insurer reserves 3.3 Cover may be transferred from an existing plan and future claims made for acute conditions originating at the right not to pay more than its rateable proportion thereof. the time the member was participating in the previous plan will be honoured subject to the Description of 3.22 For the purposes of calculating daily payments, the days of admission and discharge together count as Benefits applicable at that time. one day. 3.3.1 The member must provide evidence of the existing plan and the commencement date of it to HMCA for the 3.23 Accommodation charges are payable only when directly related to the In-Hospital treatment received in transfer terms to apply. Private Hospitals or the private wing of NHS Hospitals. 3.3.2 When a condition is first diagnosed as being Long-Term(and did not exist prior to enrolment) benefit will be 3.25 Where the treatment required results from the fault of another, the member must; provided for such diagnosis and any necessary treatment for one initial episode only. Subsequent treatment (i) Take all reasonable steps that the Insurer requires to recover from the party at fault the cost of the benefits is not covered. When these circumstances occur the Insurer will issue an appropriate endorsement to the paid by the Insurer and interest thereon. certificate. The Insurer provides a discretionary Long-Term Illness Grant which can be made available to those (ii) If recoverable, repay to the Insurer the cost of the benefits paid to the member with interest. with a Long-Term Illness to assist transition to NHS care. 3.26 The benefits payable towards a claim are those applicable to your certificate at the time the claim form is 3.6 On the death of a Member, a spouse who is registered as a Dependant may without formality become a Member issued. Therefore benefits from 2 separate membership years cannot be applied to the same claim. in his or her own right at the appropriate rate, according to whether the spouse was the only dependant or 3.29 Each In-Hospital stay must be pre-authorised at least the day before, with HMCA Members being in receipt whether there were one or more child dependants. of the completed claim form, a consultant’s report and details of the hospital’s charges, before 3.7 The contract is an annual one renewable from year to year at the option of the Member, subject to the any agreement can be given as to the eligibility and benefits payable. Description of Benefits and Subscriptions in force at the date of renewal. 3.9 Members who take up residence outside the UK shall cease from the next renewal date to be members of the Scheme. 16 contractual . E INSU NC RA A N R C U E S . N I THE PERSONAL ACCIDENT I N .

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Please read these terms and conditions and make sure that they meet your needs and that you e) the Insured being intoxicated by alcohol or drugs, except as prescribed by a registered are clear about the cover and the exclusions. These documents form the contract of insurance qualified medical practitioner between you and the Insurer. f) acquired immune deficiency syndrome (AIDS) or HIV. g) hazardous pursuits Certain words in this Plan have a specific meaning. The definitions of such words are detailed under Definitions where a word has been defined, the definition will apply wherever that word appears in this Plan. Fraud Definitions Insurance fraud is a crime, and costs innocent customers money every year because insurance companies have to charge higher premiums. Insurer: HMCA Insurance Limited Insured: The person stated on the Certificate If you, or anyone acting on your behalf, supply the Insurer with facts or information and/or make Anniversary Date: 12 months after your enrolment date, stated on your membership certificate a claim which you know to be false or inaccurate and with the intent of seeking financial gain Accidental Death: death caused by an accident which is due to a sudden, unexpected, you may be committing a fraudulent act, which is a crime. If the Insurer obtains evidence which unusual specific event which occurs at an identifiable time and place. suggests that this is the case, the Insurer may cancel the Plan and refuse to settle your claim. The You/your: the Insured Insurer will also report the matter to the police. Hazardous Pursuits: shall mean ballooning, caving, diving, hang-gliding, hydro-planing, riding on a motorcycle over 250cc (as a driver or passenger), mountaineering, parachuting, pot-holing, racing of any kind (other than on foot), rock or cliff climbing, white water rafting or canoeing, any THE DIRECT DEBIT GUARANTEE sport carried out as a professional Permanent Disablement/Disability: refers solely to loss of limb or loss of sight as separately • This Guarantee is offered by all banks and building societies that accept defined. instructions to pay Direct Debits. Loss of limb: means loss by physical separation of a hand at or above the wrist or of a foot at or above the ankle and includes total and irrecoverable loss of use of hand, arm, foot or leg. • If there are any changes to the amount, date or frequency of your Direct Debit Loss of Sight: means total and permanent loss of sight in both eyes if the Insured Person has been HMCA/S PLC will notify you 3 working days in advance of your account being added to the register of blind persons on the authority of a fully qualified ophthalmic specialist, or in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen Scale. debited or as otherwise agreed. If you request HMCA/S PLC to collect a payment, confirmation of the amount and date will be given to you at the time Exclusions of the request. This Plan does not cover death or disablement/disability resulting directly or indirectly from; a) the Insured’s criminal activity, intentional actions, or self-injury • If an error is made in the payment of your Direct Debit by HMCA/S PLC or your b) war, whether war be declared or not, hostilities or any act of war or civil war bank or building society you are entitled to a full and immediate refund of the c) nuclear reaction, nuclear radiation or radioactive contamination amount paid from your bank or building society. d) any act of terrorism For the purpose of this exclusion, an act of terrorism means an act or series of acts, including • If you receive a refund you are not entitled to, you must pay it back when the use of force or violence, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s),committed for political, religious or HMCA/S PLC asks you to. You can cancel a Direct Debit at any time by simply ideological purposes including the intention to influence any government and/or to put the contacting your bank or building society. Written confirmation may be required. public in fear for such purposes Please also notify us. 17 contractual

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U E R C A N IMPORTANT INFORMATION YOU NEED TO KNOW FOR YOUR PROTECTION

HMCA Insurance Limited are the insurers who underwrite the Medical Starter Compensation Plan and promote their various plans through PG Mutual in the UK. They do HMCA Insurance Limited is covered by the Financial Services Compensation not own any part of PG Mutual. Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event that HMCA Insurance Limited cannot meet its obligations. HMCA Members are an insurance intermediary who work on behalf of the This depends on the type of business and circumstances of the claim and underwriters, HMCA Insurance Limited. HMCA Members undertake all would provide cover for 100% of the first £2,000 and 90% of the remainder of aspects relating to administration, marketing and management of claims. In the claim without any upper limit. Further information about compensation return for this HMCA Members are remunerated by HMCA Insurance Limited scheme arrangements is available from the FSCS. (www.fscs.org.uk - from the subscription the members pay. telephone 020 7741 4100.)

PG Mutual act as an introducer. In return for this PG Mutual are remunerated HMCA/S PLC, trading as Hospital & Medical Care Association, HMCA and by HMCA Insurance Limited from the subscriptions the members pay. HMCA Members is an intermediary and is authorised and regulated by the Financial Conduct Authority, reference no. 307587. This can be verified by PG Mutual only promote Medical Plans underwritten by HMCA Insurance visiting the FCA’s website https://register.fca.org.uk or by contacting the FCA Limited. PG Mutual’s experienced Telephone Helpline provide a non advised on 0800 111 6768. sales service. The Telephone Helpline are here for you to ask them any questions regarding any aspect of the Plan, you can contact them on 01423 complaints procedure 796262. If you have a complaint please write to The Directors of HMCA Members, Beech Hall, Knaresborough, Yorkshire, HG5 0EA. If you are dissatisfied with We do not offer advice and the information sent will allow you to make a the response you should write to HMCA Insurance Limited, 33/2 Cannon choice of how to proceed. Lane, Gibraltar, GX11 1AA. If after their review you are still dissatisfied, your complaint can be referred to the Financial Ombudsman Service at Exchange DEMANDS AND NEEDS Tower, Harbour Exchange Square, London E14 9SR. This Plan meets the demands and needs of individuals who wish to have benefits towards the cost of their private medical treatment, now and in the future. 18 Protect the ones you love