The Medical Starter Plan Private Medical Cover for Overnight & Longer Stays in Hospital
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THE MEDICAL STARTER PLAN PRIVATE MEDICAL COVER FOR OVERNIGHT & LONGER STAYS IN HOSPITAL . E INSU NC RA A N R C U E S . N I I N . S E U R C A N N A C R INSURANCE E U S . N I I N S . U E R C A This brochure includes promotional and contractual information N Promotional 1 HATHAT THETHE ASSOCIATIONSASSOCIATIONS SAYSAY You were introduced to the Medical Starter Plan through your membership of your sponsoring association or group. The Hospital and Medical Care Association has worked with over 1,000 W well known associations to offer its plans. This is what some of them say about us… W GEM Motoring Assist has been arranging a wide range of top quality services for its members since 1932. For the past nine years we have been delighted to add HMCA to our list of chosen service providers and have always found working with them to be a pleasant and efficient process. Many GEM members have benefited from this long-standing partnership which I hope will continue for many years to come. Paula Williams Chief Executive, GEM Motoring Assist Our members have been able to take advantage of HMCA medical insurance facilities for over ten years, the longest running benefit that we have offered, which is much appreciated by them! Gordon Rainsford Chief Executive, English Bridge Union HMCA has provided us with an excellent service, and has tailored several products to suit the needs of our organisation. We have found all products to be of a high quality and represent excellent value as a membership benefit. We find the entire HMCA team extremely professional, knowledgeable and helpful in their approach to business enquiries. I would not hesitate in recommending HMCA products and services to other professional bodies and organisations. Sharon Bruty Head of Communications, CILEx Journal HMCA is a valued membership benefit for ROSL members here in the UK. Our members have commented positively on the quality of product and professionalism of the team. We are delighted to work closely with the HMCA team, and have developed promotional opportunities for the products via our communications and we are always pleased to see them at our regular New Member Receptions. Gemma Matthews Director of Marketing, Royal Over-Seas League As a long established club for Saab Owners, we know the worth of added value benefits for our members and are pleased with the response from our membership and the service provided by HMCA. David Garnett Club Secretary, SAAB Owners Club HMCA have provided a wide ranging service including medical cover to our members since 2014 at competitive prices. They are consistently both professional and friendly, we have received much positive feedback. Penny Cotton Head of Membership, Royal Academy of Dance 2 What the Associations Say ............................................................1 Why are we Competitive?..............................................................2 Private Health Care is Peace of Mind............................................3 Summary of Benefits .....................................................................4 Questions and Answers .......................................................... 5 & 6 Hospital Accommodation List ............................................. 7, 8 & 9 Checklist ......................................................................................10 Description of Benefits........................................................13 to 17 Medical Starter Plan Contractual Information .....................12 to 18 What Our Members Say ................................................Back cover WHY IS HMCA SO COMPETITIVE? HMCA Members was established over 40 years ago and has grown to be one of the most successful membership benefit providers in the UK. HMCA membership is also one of the most exclusive as ‘‘ our plans are only available to the members of trade, professional and membership groups and subscribers of select publications. Our many years of experience ensures we have a plan to suit your needs at the best possible price. Healthcare cannot be marketed like other products; it requires thoughtful planning and expert skills. Our goal is to provide the best service possible. When you call HMCA you can be assured that your call is answered in person by a member of our staff who will always be happy to help you. Whether you are making an enquiry, joining HMCA or submitting a claim, we are there for you. These are the simple reasons why the Medical Starter Plan is competitive and leads the way. ✪ ✪ ✪ ✪ ✪ ✪ ✪ ✪ ’’ ✪ ✪ OVER ✪ ✪ ✪ ✪ ✪ ✪ ✪ ✪ ✪ ✪ ✪ ✪ ✪ ✪ ✪ ✪ ✪ YEARS ✪ ✪ ✪ ✪ ✪ J M Blackmore PROVIDING SERVICES TO MEMBERSHIP GROUPS ASSOCIATION SECRETARY 167169©2020 HMCA. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, electronic or mechanical or photocopied, recorded or otherwise, without prior permission of HMCA. All HMCA paper products are from a sustainable source and are recyclable. Promotional 3 Private Healthcare Is Peace Of Mind No matter how fit and healthy we are, it is hospitals throughout the UK; if they WHY CHOOSE THE inevitable that at some point in our lives need to be admitted, they will have their MEDICAL STARTER we will fall ill and need medical care. And own private room equipped with TV and PLAN? when illness does strike it is to the NHS telephone, and visiting is arranged to suit ● All the benefits of that most people will turn in seeking a patient and family. A quick, private and private medical diagnosis, treatment convenient service treatment in-hospital and recovery. “4.2 million people waiting that removes many for you and your family. for an appointment with a of the anxieties ● VIP treatment with The NHS has for some associated with the specialist of your years been showing hospital consultant*” NHS hospital stays. choice, at the time of signs that it, too, is now not in the best of Furthermore, some providers have no your choice, at the health. A growing and ageing population upper age limit attached to their policies hospital of your choice. is putting an ever-increasing strain on and cover can even be extended to include ● Any hospital on our list staff and services. family members. may be used and others with prior agreement. Reports of underfunding, a shortage of Taking control of your healthcare ● Excellent benefits with medical staff, noisy and overcrowded However, those interested in taking out substantial savings over wards, cancelled operations and long health insurance should not leave it too other major plans. waiting times will be familiar to everyone. late. As we get older our healthcare needs These are just some of the increase. Therefore, as only some of the reasons why you should According to official figures there are 4.2 health insurance companies provide cover consider the Medical million people waiting for an appointment for pre-existing conditions, the best time Starter Plan as your first with a hospital consultant*. NHS England to invest in getting private treatment choice for your private says the maximum for illnesses you may health cover. When waiting time for All this can be avoided suffer tomorrow – is you are ill you do not this type of hospital by taking out today. want any uncertainty or referral should be 18 inconvenience, your weeks, but a growing private health insurance By acting now you worries can be substantial number of health authorities are failing can ensure your future healthcare will not enough without added to meet this target. be dictated by NHS bureaucracy and, just pressures. Whilst the as importantly, you will be able to benefit National Health Service Quick, private and convenient from the widest possible cover. has a very good system for Understandably, these lengthy delays dealing with emergencies are causing additional stress for patients, Private health insurance cannot guarantee and chronic situations, the waiting list nationwide undermining their health and quality of good health, but it can ensure that when for less urgent operations life even further. How many people do you are feeling unwell continues to grow. you know whose physical health and you will quickly receive Having to wait months, mental well-being has deteriorated from the best possible care, or even years, suffering the anxiety of having to wait months for when and where you discomfort and pain a hospital appointment? want it. The peace of could have disastrous mind that comes with effects on your work and All this can be avoided by taking out that knowledge cannot family life. By joining private health insurance. Seeing a doctor be underestimated the Medical Starter Plan, in private practice used to be only for the and is often the these problems will be wealthy, but not anymore as the cost of most important overcome. private medical cover is becoming more factor for affordable. people deciding to A private medical plan delivers prompt take control of *The King’s Fund - How is the NHS Performing? June 2018 access to hospital consultants, thus their healthcare Quarterly Report. avoiding lengthy waiting lists. Patients provision and can choose from an extensive list of “go private”. Promotional 4 Summary of Benefits The maximum benefit payable for each person covered on the plan is M £250,000 per year. For full details, please refer to the Description of Benefits in the contractual information at the back of this brochure. E IN-HOSPITAL TREATMENT FOR OVERNIGHT OR LONGER STAYS D ● Accommodation Charges FULL REFUND I ● Ward Nursing Charges FULL REFUND C ● Ward Drugs FULL REFUND A ● A £100 a night tax-free cash benefit is available, for up to 30 nights, when all treatment is carried out as a National Health patient in a public ward of an L NHS Hospital. ● Surgical charges for surgeons and anaesthetists combined fees are refunded based on the Description of Benefits. S ● Theatre fees, consumables, drugs and surgical dressings are refunded based on T the Description of Benefits. A ● Benefit is also payable for in-hospital treatment based on the Description of Benefits for medical charges for consultant physician fees, pathology and R investigations whilst in hospital.