MEDICAL CARE PLAN Private Medical Cover for You and Your Family

MEMBERS

MEDICAL CARE PLAN Private medical cover for you and your family

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This brochure includes promotional and contractual information Promotional

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 • Private medical care can speed up the recovery medical attention process • Your own hospital room with en-suite facilities and • Your family and loved ones can visit any time your own TV • Private Hospitals strive to ensure that the risk of • You choose the specialist at a location that is infection for their patients is kept as low as possible convenient for you and focus on hygiene and infection control as a top priority • You see the Consultant, not their registrar or trainee 2 Promotional

WHY CHOOSE THE MEDICAL CARE PLAN? MEMBERS • All the benefits of private medical treatment for you and your family. • VIP treatment with the specialist of your choice, at the time of your choice, at the WHO ARe HMCA? hospital of your choice. • Any hospital on our list may be used and others with prior Whilst the National Health HMCA has specialised in providing benefits for membership groups agreement. Service has a very good system in the U.K. and Ireland since the 1970s. To keep costs low we only • Excellent benefits withfor dealing with emergencies substantial savings over other and chronic situations, the deal with membership groups, therefore, HMCA is not on any major plans. waiting list nationwide for less comparison website. urgent operations continues to These are just some of the grow. reasons why you should consider HMCA Members have a dedicated team of the Medical Care Plan as your Having to wait months, or even first choice for your private years, suffering discomfort experienced employees who service plans for % % % % % % % % % health cover. When you are ill and pain could have disastrous % % % tens of thousands of discerning individuals %

% % you do not want any uncertainty effects on your work and family

who have taken out membership over the or inconvenience, your worries life. By joining the Medical Care

% %

Plan, these problems will be

% can be substantial enough

YEARS

years. They provide a high level response to

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% without added pressures. overcome. policy claims, evidenced by regular feedback PROVIDING SERVICES TO MEMBERSHIP GROUPS from our customers and the associations. WHY ARE HMCA SO COMPETITIVE? With 40 years of intimate experience of the insurance and underwriting profession HMCA are able to produce value for money products within the health care market. WE ARE HERE TO HELP • HMCA have minimal advertising costs. Dealing with If you wish to discuss your health care membership groups and associations they do not use the requirements or the Medical Care Plan, normal media outlets for advertising, for example national please contact us newspapers and television. Telephone helpline: (01423) 799949 Write to: HMCA, Beech Hall • HMCA deal directly with group and association members Knaresborough, Yorkshire HG5 0EA. through existing channels of communication. Email: [email protected] Beech Hall Circa 1737 Website: www.hmca.co.uk • HMCA have a low overall cost base which is reflected in the Beech Hall, Knaresborough subscriptions they charge. 05/61773 ©2018 3 Promotional

MEMBERS

Summary of benefits The maximum benefit payable for each person covered on the plan is £250,000 per year. For full details, please refer to the Description of Benefits in the contractual information at the back of this brochure

IN-HOSPITAL TREATMENT OUT-PATIENT AND ADDITIONAL BENEFITS • Accommodation Charges FULL REFUND • Consultations, investigations, pathology, physiotherapy, x-rays • Ward Nursing Charges FULL REFUND and scans. • Ward Drugs FULL REFUND • Alternative treatments of chiropractic, osteopathy, homeopathy • A £200 a night tax-free cash benefit is available, for up to 30 nights, and acupuncture. when all treatment is carried out as a National Health patient in a • Radiotherapy and chemotherapy. public ward of an NHS Hospital. • A £800 maternity grant when both parents are members. • Surgical Charges for surgeons’ and anaesthetists’ combined fees, including aftercare, are refunded dependent on the complexity • Parent accompanying child. of the surgery. • Home-nursing following private treatments. • Theatre fees, consumables, drugs and surgical dressings are • Private ambulance. refunded dependent on the complexity of the surgery. • Personal accidental death benefit of £5,000. • Benefit is also payable for in-hospital treatment such as: • Medical charges for consultant physician fees, pathology and • Personal accident disability cover of £1,000. investigations whilst in hospital. • Intensive care. OVERSEAS COVER • Dental care for specialist in-hospital treatment. • Continuation of cover when travelling abroad on holiday or business. 4 Thanks, too, for looking after my invoices during my Heart operation period last Summer and for settling the Accounts without any fuss or bother. Luckily, I’ve been no trouble to you or myself since then so, fingers crossed, there will be no more serious problems in the foreseeable future. Equity Reader

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 Care Plan claims made for acute conditions originating at the time the within fourteen days for a full refund. member was participating in a previous plan will be honoured. FREE MEDICAL INFORMATION AND COUNSELLING LONG-TERM ILLNESS HELPLINE All private health plans cover short-term medical conditions which This service is provided free of charge to Medical Care Plan are curable. Long-term conditions which are not covered are those members. It is operated by qualified medical staff and provides which are recurrent, persistent or incurable. When a condition is a wealth of support and information irrespective of whether the first diagnosed (and did not exist prior to enrolment) benefit will member is making a claim for medical treatment. be provided for such diagnosis and any necessary treatment, for one initial episode. This also includes a counselling service which is available 24 As private health cover was never intended to replace the NHS, hours a day, 365 days a year, allowing our members to discuss but meant to complement the service, all subsequent treatment their problems confidentially with a qualified counsellor at a time will be given by the NHS. The plan does provide a £1,000 LONG- convenient to them. TERM ILLNESS GRANT that can be used at the discretion of HMCA to help in the transition to NHS care.

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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 Care Plan. If you have any additional questions please telephone our Helpline on 01423 799949. Q. Does the Medical Care Plan have an excess Q. I have no existing private medical cover, Q. Are your terms similar to those in my or deductible, such as the first £500 of a can I join? present plan? claim being paid by the member? A. Yes, you can join and after one full year’s A. The benefits are summarised on pages 4 and A. No. Our underwriters believe that our members membership providing you have been treatment 5 entitled ‘Summary of benefits’, and the should have cover from the commencement of and symptom free for 12 consecutive months, Description of Benefits are in the contractual any treatment covered under the Medical Care any pre-existing medical condition that occurred information on pages 18 and 19. These may Plan. However, excesses are available if you prior to joining us will be covered. differ from your current plan. want to reduce your subscription, please ring 01423 799949 for more details. Q. Can you explain the benefit levels in the Q. Is the scope of the Medical Care Plan Description of Benefits wider than many others? Q. Is the offer to join the Medical Care Plan A. Charges for in-patient accommodation, ward A. As well as providing comprehensive benefits dependent upon my remaining a member drugs and nursing charges are covered in for treatment of acute medical conditions of my sponsoring association? full. Other benefits are based on the type of the Plan has a number of very important A. You must be a member of your sponsoring treatment received and the complexity of any extra features which extend the scope: association when first joining the Medical Care operations carried out. The complexity of all • We include treatment for injuries sustained Plan. After enrolment you become a member of operations is advised by the specialist carrying whilst playing sport. the Medical Care Plan. out your treatment. Our benefits are based on • Cover continues whilst you are abroad on our experience of the likely costs involved and holiday or business for up to six months, at Q. May I transfer from my plan to your we apply limits to protect against overcharging no extra cost. Medical Care Plan? which would have the effect of increasing claims • A free helpline is provided to give A. Yes. If you are in a medical plan you can costs and our members’ subscriptions. information on treatment, costs or any transfer to the Medical Care Plan with no break other general medical-related questions. This 6 in protection. includes a confidential counselling service. I would like to take this opportunity to thank the HMCA staff who were so understanding and efficient in dealing with my telephone call at a time which was extremely distressing as the specialist was at the time convinced that it was a recurrence. I felt I received a very personal service and if this comment can be used in any way to encourage more people to join HMCA I would be quite happy for it to be used.

National Trust Reader, Kent

Royal Overseas League member

Q. Who do I speak to when I want to make Q. Do you pay my specialist directly if I Q. Do you have restrictive clauses relating a claim? claim? to the NHS waiting lists? A. Our UK based claims team who offer a A. Yes. We are happy to pay your specialist on A. No. We do not have restrictive clauses personal service and provide prompt your behalf or we can reimburse you. relating to the NHS waiting lists. settlement. Q. Can you pay the hospital direct? Q. Am I covered when travelling overseas? Q. What happens if I am admitted to A. Yes. We have arrangements with leading A. Yes. Cover continues when you travel an NHS hospital? hospital groups and they will bill us direct for abroad on holiday or business fo up to six A. If you choose to have all your treatment any admissions to hospital. Please contact months at no extra cost. solely through the NHS you will receive £200 our Helpline for more information. a night spent in hospital, for up to 30 nights. Q. Am I covered for sporting injuries? Of course, this is tax-free cash which you Q. Is day-case surgery covered? A. Yes. There is no restriction on any sport. keep to spend as you wish. A. Yes. The plan provides benefits towards day- case surgery. Q. What is the maximum age at which Q. May I choose the hospital which treats I may join the Medical Care Plan or me? Q. Am I covered for alternative medical transfer from another plan? A. Yes. There are no restrictions, you can treatment? A. There is no age limit when joining the Medical use any of the hospitals detailed on our A. Yes. Under our out-patient section you Care Plan. comprehensive list. If your preferred hospital are covered for chiropractic, osteopathy, is not listed please contact our Helpline. homeopathy and acupuncture given by Q. What is Insurance Premium Tax (IPT)? qualified practitioners. A. IPT is a tax on general insurance, for example motor, household and medical cover, levied by the government. 7 Promotional

THE MEDICAL CARE PLAN CHECKLIST You should compare the Medical Care Plan with other plans by using this checklist.

NO MORATORIUM OR WAITING PERIOD FOR TRANSFERS NO REDUCTION IN BENEFITS HMCA Insurance has consistently improved the benefits of its Medical SPECIALIST Plans. Freedom of Choice. DENTAL TREATMENT PROMPT CLAIMS SERVICE In-hospital or day-case surgical treatment is included. Our UK based claims team offer a personal service and provide prompt settlement. PREGNANCY AND CHILDBIRTH Complications and miscarriages are covered. NO MEDICAL EXAMINATION No medical examination is required when you join. HOME-NURSING The Medical Care Plan allows up to £3,600 each year. CHOICE OF COUNTRYWIDE HOSPITALS You have the choice of over 550 hospitals on our list and others with LONG-TERM ILLNESS GRANT prior arrangement. After enrolment, a member receiving treatment that ceases to be short-term qualifies for a grant of up to £1,000. This benefit can be SPORTS ACTIVITIES given at the discretion of HMCA. There are no exclusions.

OVERSEAS COVER Cover continues when you travel abroad on holiday or business for up to six months and is included at no extra cost, whereas most other plans may reduce benefits or ask for increased subscriptions, or indeed offer no cover at all. 8 MEMBERS

SPECIAL GUARANTEED TRANSFER FACILITY FREE MEDICAL INFORMATION AND COUNSELLING Cover can be transferred from an existing plan and future claims made HELPLINE for acute conditions originating at the time you were participating in a This service is provided free of charge to all Medical Care Plan previous plan will be honoured. members. It is operated by qualified medical staff and offers a wealth of information and help regardless of whether the member is making a claim. Information can be given on medical conditions, changing NHS HOSPITAL CASH BENEFIT your doctor, social services, self-help groups and much more. This A £200 a night tax-free cash benefit is available, for up to 30 nights, if also includes a counselling service which is available 24 hours a day, treatment is wholly in an NHS Hospital. 365 days a year, allowing our members to discuss their problems confidentially with a qualified counsellor at a time convenient to them.

WI READER WHO JOINED HMCA WITH NO PREVIOUS MEDICAL COVER Dear Sirs I write to thank you for the prompt and efficient way in which you dealt with my recent claim for my 7 day stay in hospital. I feel sure that some less reputable companies would have been much less sympathetic to a claim made so soon after the commencement of the insurance cover. I have sung your praises to many other members of my Women’s Institute, and hopefully you may receive some enquiries. Once again, well done, and thank you. WI Reader, Buckinghamshire 9 Promotional

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HOSPITAL ACCOMMODATION LIST You can use any hospital on this list, over 550 are available.

ENGLAND Bristol St Michaels Hospital Cheadle BMI Alexandra Hospital CUMBRIA BEDFORDSHIRE Bristol Southmead Hospital Chester Countess of Chester Hospital Barrow-in-Furness Furness Hospital Bedford Bedford General Hospital Chester Nuffield Hospital Grosvenor Carlisle Cumberland Infirmary Bedford BMI Manor Hospital BUCKINGHAMSHIRE Crewe Leighton Hospital Kendal Westmorland General Luton Luton & Dunstable Hospital Amersham Amersham Hospital Crewe BMI South Cheshire Hospital Hospital NHS Trust Aylesbury Stoke Mandeville Hospital Macclesfield Macclesfield District General Whitehaven West Cumberland Hospital Gerrards Cross Chalfont & Gerrards Cross Hospital Workington Workington Community BERKSHIRE Hospital Macclesfield Spire Regency Hospital Hospital Ascot Heatherwood Hospital Great Missenden BMI The Chiltern Hospital Runcorn Halton General Hospital Reading Circle Reading Hospital High Wycombe BMI Shelburne Hospital Warrington Warrington Hospital DERBYSHIRE Reading Spire Dunedin Hospital High Wycombe Wycombe Hospital Warrington Spire Cheshire Hospital Buxton Buxton Hospital Reading Royal Berkshire Hospital Milton Keynes BMI Saxon Clinic Chesterfield Chatsworth Clinic Reading Berkshire Independent Milton Keynes Milton Keynes General CLEVELAND Derby Nuffield Hospital Derby Hospital Hospital Hartlepool University Hospital of Derby Royal Derby Hospital Slough Wexham Park Hospital Princes Risborough The Paddocks Clinic Hartlepool Slough Spire Thames Valley Hospital Middlesbrough James Cook University DEVON Thatcham West Berkshire Community CAMBRIDGESHIRE Hospital Barnstaple North Devon District Hospital Hospital Cambridge Addenbrookes Hospital Stockton-on-Tees Nuffield Hospital Tees Bideford Bideford & District Hospital Windsor King Edward VII Hospital Cambridge Spire Cambridge Lea Hospital Stockton-on-Tees University Hospital of North Exeter Nuffield Hospital Exeter Windsor BMI Princess Margaret Cambridge Nuffield Hospital Cambridge Tees Exeter Royal Devon & Exeter Hospital Cambridge Papworth Hospital Hospital Windsor Circle Windsor Clinic Huntingdon Hinchingbrooke Hospital CORNWALL Exmouth Exmouth Hospital Peterborough Peterborough City Hospital Falmouth Falmouth Hospital Ilfracombe Ilfracombe & District Tyrrell BRISTOL Peterborough Fitzwilliam Hospital Hayle St Michaels Hospital Hospital Bristol Spire Bristol ‘Glen’ Hospital Wisbech North Cambridgeshire Penzance West Cornwall Hospital Newton Abbott Newton Abbott Hospital Bristol Nuffield Hospital Bristol Hospital Redruth Camborne Redruth Plymouth Derriford Hospital Bristol Bristol Eye Hospital Community Hospital Plymouth Mount Gould Hospital Bristol Frenchay Hospital CHESHIRE Truro Duchy Hospital Plymouth Nuffield Hospital Plymouth Bristol Bristol Royal Infirmary Altrincham Altrincham General Hospital Truro Royal Cornwall Hospital Plymouth Royal Eye Infirmary 10 When we issue a claim form we will send an upto date list I would like to thank you for the smooth and efficient way HMCA have dealt with the claim to date and justifies our confidence in switching from Aviva to HMCA to date. Clearly we hope not to require making more claims for a long time. WI Life reader

Sidmouth Victoria Hospital Brentwood Nuffield Hospital Brentwood Basingstoke BMI Hampshire Clinic Watford Watford General Hospital Tavistock Tavistock Hospital Brentwood Spire Hartswood Hospital Eastleigh Nuffield Health Wessex Welwyn Garden City Queen Elizabeth II Teignmouth Teignmouth Hospital Buckhurst Hill Holly House Hospital Hospital Hospital Tiverton Tiverton & District Hospital Chelmsford Broomfield Hospital Havant Spire Portsmouth Hospital Torquay Mount Stuart Hospital Chelmsford Springfield Hospital Lymington New Forest Hospital ISLE OF WIGHT Torquay Torbay Hospital Clacton-on-Sea Clacton & District Hospital Portsmouth Queen Alexandra Hospital Newport St Marys Hospital Colchester Oaks Hospital Portsmouth St Marys Hospital DORSET Colchester Essex County Hospital Southampton Spire Southampton Hospital KENT Bournemouth Christchurch Hospital Colchester Colchester General Hospital Southampton Southampton General Hospital Ashford William Harvey Hospital Bournemouth Nuffield Hospital Bournemouth Epping St Margarets Hospital Southampton Princess Anne Hospital Beckenham BMI Sloane Hospital Bournemouth Royal Bournemouth Hospital Grays Orsett Hospital Southampton Royal South Hants Hospital Beneden Beneden Hospital Dorchester BMI Winterbourne Hospital Harlow Princess Alexandra Hospital Winchester Royal Hampshire County Canterbury BMI Chaucer Hospital Dorchester Dorset County Hospital Havering Queens Hospital Hospital Poole BMI Harbour Hospital Ilford King George Hospital Winchester BMI Sarum Road Hospital Canterbury Kent & Canterbury Hospital Sherborne Yeatman Hospital Maldon St Peters Hospital Chatham Spire Alexandra Hospital Weymouth Weymouth Community Redbridge Spire Roding Hospital HEREFORDSHIRE Dartford Darent Valley Hospital Hospital Southend-on-Sea Southend Hospital Hereford Hereford County Hospital Deal Victoria Hospital Southend-on-Sea Spire Wellesley Hospital Hereford Nuffield Hospital Hereford Dover Buckland Hospital DURHAM Southend BMI Southend Private Hospital Folkestone Royal Victoria Hospital Bishop Auckland Bishop Auckland Hospital HERTFORDSHIRE Gillingham Medway Maritime Hospital Chester-le-Street Chester-le-Street Hospital GLOUCESTERSHIRE Bishops Stortford Herts & Essex General Hospital Herne Bay Queen Victoria Memorial Darlington Darlington Memorial Hospital Cheltenham Cheltenham General Hospital Harpenden Spire Harpenden Hospital Hospital Darlington BMI Woodlands Cheltenham Nuffield Hospital Cheltenham Hemel Hempstead Hemel Hempstead Hospital Longfield BMI Fawkham Manor Hospital Durham University Hospital of North Gloucester Gloucester Royal Hospital Hertford Hertford County Hospital Maidstone Maidstone Hospital Durham Gloucester Winfield Hospital Hitchin Pinehill Hospital Maidstone BMI Somerfield Hospital Shotley Bridge Shotley Bridge Hospital Stroud Stroud General Hospital Sawbridgeworth Rivers Hospital Maidstone Maidstone KIMS St Albans St Albans City Hospital Margate Queen Elizabeth the Queen ESSEX HAMPSHIRE Stevenage Lister Hospital Mother Hospital Basildon Basildon University Hospital Basingstoke North Hampshire Hospital Watford Spire Bushey Hospital Orpington BMI Chelsfield Park Hospital CONTINUED 11 Promotional

Sevenoaks Sevenoaks Hospital Grantham Grantham & District Hospital SW10 Chelsea & Westminster W1 Royal National Ear, Nose & Sidcup Queen Marys Hospital Grimsby St Hughs Hospital Hospital Throat Hospital Tunbridge Wells Tunbridge Wells Hospital Grimsby Diana, Princess of Wales W6 Charing Cross Hospital EC1 St Bartholemews Hospital Tunbridge Wells Nuffield Hospital Hospital NW4 Hendon Hospital SW17 St Georges Hospital Tunbridge Wells Lincoln BMI Lincoln Hospital WC1N Royal London Hospital for W2 St Marys Hospital Tunbridge Wells Spire Hospital, Lincoln Lincoln County Hospital Integrated Medicine SE1 St Thomas’ Hospital Tunbridge Wells Louth County Hospital WC1 Great Ormond Street Hospital NW1 University College Hospital Willesborough One Ashford Hospital Stamford Stamford & Rutland Hospital SE1 Guys Hospital NW1 Western Eye Hospital W12 Hammersmith Hospital E11 Whipps Cross Hospital LANCASHIRE GREATER LONDON W12 Queen Charlottes & Chelsea N19 Whittington Hospital Blackburn BMI Beardwood Hospital Ashford Ashford Hospital Hospital SW5 Bupa Cromwell Hospital Blackburn Royal Blackburn Hospital Barnet Barnet Hospital N6 Highgate Hospital Blackpool Spire Fylde Coast Hospital Carshalton St Helier Hospital WC1E Hospital for Tropical Diseases GREATER MANCHESTER Blackpool Victoria Hospital Enfield Chase Farm Hospital NW8 Hospital of St John & St Ashton-under-Lyne Tameside General Hospital Bolton BMI Beaumont Hospital Enfield BMI Kings Oaks Hospital Elizabeth Bury Fairfield General Hospital Bolton Royal Bolton Hospital Harefield Harefield Hospital NW8 British Hernia Centre Leigh Leigh Infirmary Burnley Burnley General Hospital Harrow Northwick Park Hospital W1G King Edward VII Hospital Manchester Spire Manchester Hospital Chorley Euxton Hall Hospital Harrow BMI Clementine Churchill W1G Weymouth Street Hospital Manchester Christie Hospital Clitheroe Abbey Gisburne Park Hospital Hospital SE5 Kings College Hospital Manchester North Manchester General Lancaster BMI Lancaster Hospital Harrow St Marks Hospital SE13 University Hospital Lewisham Hospital Ormskirk Ormskirk & District General Isleworth West Middlesex University E1 Royal London Hospital Manchester Royal Manchester Childrens Hospital Hospital Whitechapel Hospital Ormskirk Renacres Hospital Kingston upon Thames Kingston Hospital E1 BMI London Independent Manchester Royal Eye Hospital Preston Fulwood Hall Hospital Kingston upon Thames New Victoria Hospital Hospital Manchester Royal Infirmary Preston Royal Preston Hospital Northwood BMI Bishops Wood Hospital EC1 Moorfields Eye Hospital Manchester St Marys Hospital Northwood Mount Vernon Hospital WC1 National Hospital for Oldham Royal Oldham Hospital LEICESTERSHIRE Southall Ealing Hospital Neurology & Neurosurgery Rochdale Birch Hill Hospital Hinckley Hinckley & District Hospital Stanmore Royal National Orthopaedic N18 North Middlesex University Rochdale BMI Highfield Hospital Leicester Glenfield Hospital Hospital Hospital Rochdale Rochdale Infirmary Leicester Leicester General Hospital Uxbridge Hillingdon Hospital SW19 Parkside Hospital Wimbledon Salford Oaklands Hospital Leicester Nuffield Hospital Leicester Middlesex BMI The Cavell Clinic W1 The Portland Hospital for Salford Salford Royal Hospital Leicester Leicester Royal Infirmary Women & Children Stockport Stepping Hill Hospital Oadby Spire Leicester Hospital LONDON (Postal Area) SW15 Queen Marys Hospital Wigan Royal Albert Edward Infirmary E2 London Chest Hospital Roehampton Wigan Wrightington Hospital LINCOLNSHIRE SE3 BMI Blackheath Hospital NW3 Royal Free Hospital Wythenshawe Wythenshawe Hospital Boston Pilgrim Hospital SW3 Royal Brompton Hospital SW3 Royal Marsden Hospital

12 When we issue a claim form we will send an upto date list MERSEYSIDE NOTTINGHAMSHIRE Minehead Minehead & West Somerset Liverpool Broadgreen Hospital Nottingham Nottingham City Hospital Hospital Liverpool Spire Liverpool Hospital Nottingham BMI The Park Hospital Taunton Musgrove Park Hospital Liverpool Royal Liverpool University Nottingham Queens Medical Centre Taunton Nuffield Hospital Taunton Hospital Nottingham Circle Nottingham Clinic Weston Super Mare Weston General Hospital Liverpool Liverpool Womens Hospital Nottingham Nottingham Woodthorpe Yeovil Yeovil District Hospital Liverpool University Hospital Aintree Hospital Liverpool Liverpool Heart & Chest Nottingham Spire Hospital STAFFORDSHIRE Hospital Sutton in Ashfield Kings Mill Hospital Burton-on-Trent Queens Hospital Ormskirk Ormskirk & District General Worksop Bassetlaw District General Newcastle-under-Lyme Nuffield Hospital North Farnham Spire Clare Park Hospital Hospital Hospital Staffordshire Guildford Nuffield Hospital Guildford Prescot Whiston Hospital Stafford Staffordshire General Hospital Guildford BMI Mount Alvernia Hospital St Helens Fairfield General Hospital OXFORDSHIRE Stafford Rowley Hall Hospital Guildford Royal Surrey County Hospital St Helens St Helens Hospital Banbury Foscote Hospital Stoke-on-Trent Royal Stoke University Hospital Horley Spire Gatwick Park Hospital Southport Southport & Formby District Banbury Horton General Hospital Kingston-upon-Thames BMI Coombe Wing General Hospital Oxford Churchill Hospital SUFFOLK Leatherhead Leatherhead Hospital Wirral Clatterbridge Hospital Oxford Nuffield Orthopaedic Centre Bury-St-Edmunds BMI St Edmunds Hospital Redhill East Surrey Hospital Wirral Spire Murrayfield Hospital Oxford Nuffield Hospital Oxford (The Bury-St-Edmunds West Suffolk Hospital Sutton Royal Marsden Hospital Wirral Arrowe Park Hospital Manor) Ipswich Ipswich Hospital Weybridge Weybridge Hospital Oxford Oxford Eye Hospital Ipswich Nuffield Hospital Ipswich Woking Nuffield Hospital Woking NORFOLK Oxford John Radcliffe Hospital Cromer Cromer Hospital SURREY Great Yarmouth James Paget University SHROPSHIRE Ashtead Ashtead Hospital Hospital Oswestry Robert Jones & Agnes Hunt Camberley Frimley Park Hospital Kings Lynn BMI Sandringham Hospital Orthopaedic Hospital Caterham North Downs Hospital Norwich Spire Norwich Hospital Shrewsbury Nuffield Hospital Shrewsbury Cheam Spire St Anthony’s THE ROYAL I must thank you Norwich Norfolk & Norwich Uni Hosp Shrewsbury Royal Shrewsbury Hospital Chertsey BMI Runnymede Hospital OVER-SEAS wholeheartedly

Telford Princess Royal Hospital Chertsey St Peters Hospital LEAGUE NORTHAMPTONSHIRE Croydon BMI Shirley Oaks Hospital for the way Kettering Kettering General Hospital SOMERSET Epsom Epsom General HospitaL HMCA is looking after me and Kettering Woodland Hospital Bath BMI Bath Clinic I will certainly spread the good Northampton Northampton General Hospital Bath Circle Bath Hospital Northampton BMI Three Shires Hospital Bath Royal National Hospital for news of your excellent service. Rheumatic Diseases Royal Over-seas League NORTHUMBERLAND Bath Royal United Hospital Alnwick Alnwick Infirmary Bridgwater Bridgwater Community member Hexham Hexham General Hospital Hospital CONTINUED 13 Promotional

SUSSEX - EAST South Shields South Tyneside District WILTSHIRE YORKSHIRE - WEST Brighton Royal Alexandra Childrens Hospital Marlborough Savernake Hospital Bingley Yorkshire Clinic Hospital Sunderland Eye Infirmary Salisbury New Hall Hospital Bradford Royal Infirmary Brighton Royal Sussex County Hospital Sunderland Sunderland Royal Hospital Salisbury Salisbury District Hospital Dewsbury Dewsbury & District Hospital Brighton Sussex Eye Hospital Washington Spire Washington Hospital Swindon Great Western Hospital Elland Spire Elland Hospital Brighton Nuffield Hospital Brighton Swindon BMI Ridgeway Hospital Huddersfield BMI Huddersfield Hospital Crowborough Horder Centre WARWICKSHIRE Huddersfield Royal Infirmary Eastbourne Eastbourne District General Leamington Spa Nuffield Warwickshire Hospital WORCESTERSHIRE Keighley Airedale General Hospital Hospital Nuneaton George Eliot Hospital Droitwich BMI Droitwich Spa Hospital Leeds Leeds General Infirmary Eastbourne BMI Esperance Hospital Rugby Hospital of St Cross Kidderminster Kidderminster Hospital Leeds Spire Leeds Hospital Hove Spire Montifiore Hospital Stratford Circle Stratford Clinic Redditch Alexandra Hospital Leeds Spire Methley Park Lewes Victoria Hospital Warwick Warwick Hospital Worcester Worcester Royal Hospital Leeds Nuffield Hospital Leeds St Leonards-on-Sea Conquest Hospital Worcester Spire South Bank Hospital Leeds St James University Hospital St Leonards-on-Sea Spire Sussex Hospital WEST MIDLANDS Pontefract Pontefract General Infirmary Uckfield Uckfield Community Hospital Birmingham City Hospital YORKSHIRE - NORTH Salterhebble Calderdale Royal Hospital Birmingham Childrens Hospital Bridlington Bridlington & District Hospital Wakefield Pinderfields General Hospital SUSSEX - WEST Birmingham Heartlands Hospital Harrogate BMI The Duchy Hospital Chichester Nuffield Hospital Chichester Birmingham BMI The Edgbaston Hospital Harrogate Harrogate District Hospital HULL & EAST YORKSHIRE Chichester St Richards Hospital Birmingham BMI Priory Hospital Malton Malton Norton & District Cottingham Castle Hill Hospital Crawley Crawley Hospital Birmingham Queen Elizabeth Hospital Hospital Goole Goole & District Hospital East Grinstead Queen Victoria Hospital Birmingham Royal Orthopaedic Hospital Northallerton Friarage Hospital Hull Spire Hull & East Riding Haywards Heath Nuffield Hospital Haywards Birmingham Womens Hospital Scarborough Scarborough General Hospital Hospital Heath Coventry University Hospital Coventry York York District Hospital Hull Royal Infirmary Haywards Heath Princess Royal Hospital Dudley Corbett Hospital York Nuffield Hospital York Scunthorpe Scunthorpe General Hospital Horsham Horsham Hospital Dudley Russells Hall Hospital Worthing Worthing Hospital Halesowen West Midlands Hospital YORKSHIRE - SOUTH WALES Worthing BMI Goring Hall Hospital Solihull Birmingham Midland Eye Barnsley Barnsley Hospital CLWYD Centre Doncaster Park Hill Hospital Abergele Abergele Hospital TYNE & WEAR Solihull Spire Parkway Hospital Doncaster Royal Infirmary Rhyl Glan Clwyd Hospital Gateshead Queen Elizabeth Hospital Solihull Solihull Hospital Rotherham Rotherham Hospital Wrexham Maelor Hospital Newcastle Freeman Hospital Sutton Coldfield Good Hope Hospital Sheffield BMI Thornbury Hospital Wrexham Spire Yale Hospital Newcastle Newcastle General Hospital Sutton Coldfield Spire Little Aston Hospital Sheffield Sheffield Childrens Hospital Newcastle Nuffield Hospital Walsall Manor Hospital Sheffield Claremont Hospital DYFED Newcastle-upon-Tyne West Bromwich Sandwell General Hospital Sheffield Northern General Hospital Aberystwyth Bronglais General Hospital Newcastle Royal Victoria Infirmary Wolverhampton New Cross Hospital Sheffield Royal Hallamshire Hospital Camarthen BMI Werndale Hospital Newcastle Walkergate Hospital Wolverhampton Nuffield Hospital Sheffield Weston Park Hospital Camarthen West Wales General Hospital North Shields North Tyneside General Wolverhampton Haverfordwest Withybush General Hospital Hospital 14 When we issue a claim form we will send an upto date list GLAMORGAN - MID HIGHLAND Belfast Ulster Hospital Bridgend Diana, Princess of Wales Fort William Belford Hospital Lisburn Lagan Valley Hospital Hospital Inverness Raigmore Hospital Newtownabbey Whiteabbey Hospital Llantrisant Royal Glamorgan Hospital Wick Caithness General Hospital Merthyr Tydfil Prince Charles Hospital COUNTY ARMAGH LOTHIAN Craigavon Craigavon Area Hospital GLAMORGAN - SOUTH Edinburgh Royal Hospital for Sick Cardiff Cardiff Bay Hospital Children COUNTY DOWN Cardiff Spire Cardiff Hospital Edinburgh Royal Infirmary of Edinburgh Bangor Bangor Community Hospital Cardiff The Vale Hospital, Hensol Edinburgh Western General Hospital Downpatrick Downe Hospital Cardiff University Hospital of Wales Livingston St Johns Hospital Newry Daisy Hill Hospital Livingston Spire Livingston Physio Clinic Newtownards Ards Community Hospital GLAMORGAN - WEST Neath Neath Port Talbot Hospital STRATHCLYDE COUNTY FERMANAGH Swansea Morriston Hospital Alexandria Vale of Leven Hospital Enniskillen South Western Acute Hospital Swansea Sancta Maria Hospital Ayr BMI Carrick Glen Hospital Swansea Singleton Hospital Ayr Ayr Hospital LONDONDERRY Glasgow Nuffield Hospital Glasgow Ballykelly North West Ind Hospital GWENT Glasgow BMI Ross Hall Hospital Coleraine Causeway Hospital Abergavenny Nevill Hall Hospital Glasgow Southern General Hospital Londonderry Altnagelvin Area Hospital Newport St Josephs Hospital Glasgow Victoria Infirmary Magherafelt Mid Ulster Hospital Greenock Inverclyde Royal Hospital GWYNEDD Kilmarnock Crosshouse Hospital TYRONE Bangor Gwynedd Hospital Dungannon South Tyrone Hospital Llandudno Llandudno General Hospital TAYSIDE Omagh Tyrone County Hospital Arbroath Arbroath Infirmary SCOTLAND Brechin Stracathro Hospital CHANNEL ISLANDS CENTRAL Dundee BMI Fernbrae Clinic Alderney Mignot Memorial Hospital Falkirk Falkirk Royal Infirmary Perth Perth Royal Infirmary Guernsey Princess Elizabeth Hospital Stirling BMI Kings Park Hospital Jersey Jersey General Hospital Stirling Stirling Royal Infirmary NORTHERN IRELAND COUNTY ANTRIM ISLE OF MAN GRAMPIAN Belfast Belfast City Hospital Douglas Nobles Hospital Aberdeen BMI Albyn Hospital Belfast Kingsbridge Private Hospital Ramsey Ramsey & District Cottage Aberdeen Royal Aberdeen Children’s Belfast Mater Hospital Hospital Hospital Belfast Musgrave Park Hospital Aberdeen Aberdeen Royal Infirmary Belfast Royal Victoria Hospital Aberdeen Woodend Hospital Belfast Ulster Independent Clinic 15 Promotional

ARTICLE REPRODUCED FROM THE ROADWORTHY JOURNAL OF THE NORTH-EAST LONDON AND ESSEX GROUP OF ADVANCED MOTORISTS

PRIVATE HEALTH INSURANCE

In your copy of Advanced Driving motoring magazine you may, or may not have noticed an address carrier (insert) for Hospital and Medical Care Association (HMCA): it specialises in providing benefits exclusively for memberships such as ours. For years I have laid it aside as I had a private health insurance. As we are all looking to save money during this credit crunch time I decided to phone for information. Could my present premium be cut up to 50%? Would HMCA take on any existing medical problem? I was pleasantly surprised with the outcome and joined up. Just a little later in the year (much to my embarrassment) I had to contact them. Got through very quickly and had hassle free treatment and no money changed hands! I am pleased that your Committee has given me the opportunity and permission to let you know of my excellent experience via the IAM. So my advice is if you want to change, or begin, a Private Health Scheme get more information: - www.hmca.co.uk/roadsmart or for immediate personal attention phone 01423 866985. I do not take any responsibility for your decision and I would like to think that we could share good practice in Roadworthy and help one another in this way. Angela Meyler 16 . E INSU NC RA A N R C U E S . N I I N .

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IMPORTANT INFORMATION SECTION

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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

£ £ ACCOMMODATION CHARGES IN A HOSPITAL ON OUR pathology, investigations & Physiotherapy HOSPITAL LIST Full refund When charged individually by the hospital up to 1100 up to 500 WARD NURSING CHARGES FOR EACH STAY IN Full refund When charged as part of a package price HOSPITAL PROSTHESES FOR EACH STAY IN HOSPITAL NHS TREATMENT 200 a night Prostheses payable in accordance with the operation. up to 3000 For the duration of medical treatment carried out solely as a for up to 30 Major Plus Operation up to 1260 National Health patient in a public ward of an NHS hospital. nights a year Major Operation Intermediate Operation up to 745 SURGICAL CHARGES FOR EACH STAY IN HOSPITAL Minor Operation up to 455 Surgeons’ and Anaesthetists’ Combined Fees including aftercare. Additional Benefit for an operation requiring up to 1350 Major Plus Operation up to 1625 specialised operative techniques. Major Operation up to 1145 Intermediate Operation up to 765 WARD DRUGS & CONSUMABLES FOR EACH STAY IN Minor Operation up to 435 HOSPITAL Full refund Additional Benefit for an operation requiring specialised operative up to 2100 When charged separately for in-hospital treatment. techniques PHYSICIAN FEES FOR NON SURGICAL STAYS IN THEATRE FEES, CONSUMABLES, DRUGS AND HOSPITAL up to 120 for SURGICAL DRESSINGS FOR EACH STAY IN HOSPITAL First 3 days each day Major Plus Operation up to 2500 up to 60 for Major Operation up to 1595 After 3 days each day Intermediate Operation up to 1030 Minor Operation up to 745 INTENSIVE CARE / HIGH DEPENDENCY Additional Benefit for an operation requiring specialised operative up to 2725 Benefit is payable for medical treatment in an intensive care or each year techniques high dependency unit. up to 2175 18 PERSONAL ACCIDENT BENEFITS OTHER ADDITIONAL BENEFITS

£ PERSONAL ACCIDENTAL DEATH BENEFIT 5000 RADIOTHERAPY/CHEMOTHERAPY £ A grant is given towards treatment each year PERSONAL ACCIDENT DISABILITY COVER 1000 up to 800 PARENT/GUARDIAN ACCOMPANYING A CHILD OUTPATIENT BENEFITS For a child under 16 years of age, HMCA will pay the accommodation charge for one parent for a period not exceeding each day £ 20 days a year. up to 300

OUTPATIENT BENEFITS HOME-NURSING Following treatment at a private hospital, or treatment arranged on Consultations/Physiotherapy or each year a private basis at an NHS hospital for a qualified nurse for medical each year Complementary Medicine up to 475 reasons. up to 3600

PRIVATE AMBULANCE Investigations, Pathology, X-Rays, Scans each year For transport by a private ambulance to or from a hospital for up to 1275 medical reasons. each year up to 350 MATERNITY GRANT When both parents have been members for a year. for each DENTAL BENEFITS birth 800 LONG-TERM ILLNESS GRANT DENTAL TREATMENT Long-Term conditions which are not covered are those that are Benefit is payable only where specialist in-hospital treatment is necessary. recurrent, persistent or incurable. After enrolment, a member up to 1000 receiving treatment that ceases to be short-term qualifies for a grant. This benefit can be given at the discretion of HMCA.

OVERSEAS BENEFITS FREE MEDICAL INFORMATION HELPLINE SERVICE OVERSEAS COVER This service is provided free of charge to all Medical Care Plan members. It Cover continues when you travel abroad on holiday or business Benefits as is operated by qualified medical staff, counsellors and health advisers and for a period not exceeding 6 months. Excluded are general for the U.K. provides non-diagnostic advice on medical matters irrespective of whether practitioners’ services and hotel expenses. Before travelling obtain you are making a claim for medical treatment. Advice can be sought by form EHIC from the Post Office or telephone 0845 606 2030 for members on behalf of themselves and their immediate family even if the latter reciprocal arrangements in EEA countries. are not members. 19 Contractual

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1 DEFINITIONS 1.17 Complementary Medicine Treatment under the referral of your General Practitioner, where the medical The following expressions have the following meanings practitioner holds a certificate of specialist accreditation recognised by a competent authority (eg. Chiropractic, 1.1 Association HMCA Members osteopathy, podiatry, homeopathy, acupuncture, etc.) 1.2 Scheme A Scheme, managed by HMCA Members for providing benefits in respect of treatment for acute 1.18 Accident or Emergency Admissions surgical or acute medical conditions for any disease, injury or illness on a short term basis by Specialists at 1.18.1 by ambulance to either an NHS or Private Hospital as a direct result of or immediately following an accident any hospital on the list. 1.18.2 to either an NHS or Private Hospital directly from the Accident & Emergency or Casualty department for 1.3 Insurer HMCA Insurance Limited urgent or unplanned treatment 1.4 Year Any twelve calendar months commencing at the date of enrolment or annual renewal of a subscription. 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 1.5 Member A person who is either an individual or group who applies for enrolment under Condition 3.1 and Practitioner or Specialist, when immediate Treatment or Diagnostic Tests are a medical necessity is accepted. 1.19 Chemotherapy - The treatment of cancer using specific chemical agents or drugs that are selectively 1.6 Dependants destructive to malignant cells and tissues. 1.6.1 The Member’s Spouse or partner if living at the same address. 1.20 Ward Drugs - Medication which is administered whilst the patient is an in-patient on the ward. This does 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 not include Chemotherapy drugs. home. 1.21 EEA Includes all member states of the EEA, as well as the Isle of Man and Channel Islands. 1.6.3 A child, or grandchild, of the member, or the member’s partner, in full time education. 1.7 Patient “The Patient” means the Member or one of his Dependants receiving benefits under the scheme. 2 EXCLUSIONS 1.8.1 NHS Hospital A hospital operated under the National Health Service with facilities for medical and surgical Benefits shall not be payable for:- treatment. 2.1 Treatment of a Long-Term Illness (refer to condition 3.3.2 to see how this exclusion is applied); monitoring 1.8.2 Private Hospital A hospital or nursing home with facilities for medical and surgical treatment which of any condition; routine follow-up consultations; treatment which does not address the underlying medical charges fees for its services and in the United Kingdom is registered under the Nursing Homes Act 1975 (or condition and only offers temporary relief of symptoms (i.e. palliative care). is excluded from the definition of a nursing home in the Act by Section 1 (2)(a) thereof but is not an NHS 2.2.1 Pre-existing injury or disease contracted prior to your enrolment date (or the member’s previous plan under Hospital) or overseas is operated or recognised by the appropriate authority where it is situated. the terms of the transfer facility). After one full year’s membership such pre-existing injury or disease and 1.9 Acute Medical Condition Any disease, illness or injury of rapid onset, severe symptoms and brief duration. conditions arising or resulting therefrom of which no symptoms (indication of a disease or disorder) have 1.10 Long-Term Illness A medical condition that has become either recurrent, persistent or incurable. manifested themselves or treatment, or medication, or advice, including check-ups, has been rendered in 1.11 Treatment Surgical or medical procedures undertaken by Specialists needed to diagnose and/or cure an the preceding 12 consecutive calendar months, will be covered. acute medical condition. 2.2.2 At the time of joining, if the member is undergoing treatment or investigations these are excluded unless 1.12 In-Hospital Treatment An overnight stay by a Member or his dependant for private treatment in a Private fully disclosed and accepted by the Insurer in writing. Hospital in connection with the treatment of an acute medical condition. 2.3 Pregnancy or childbirth, except in cases of complications of childbirth when the NHS benefit will be payable 1.13 Specialist A medical or dental practitioner who is registered under the Medical Acts and holds or has held subject to both parents having been enrolled for at least twelve months. a consultant appointment in an NHS Hospital or otherwise holds a certificate of specialist accreditation 2.4 The investigation or treatment of Infertility. recognised by a competent authority. 2.5 Treatment for alcohol and drug abuse. 1.14 General Practitioner A registered medical practitioner in general practice. 2.6 Treatment for sexually transmissible diseases including Acquired Immune Deficiency Syndrome (AIDS) or 1.15 Home Nursing The full time services of qualified resident or daily nurses whilst a bed patient when prescribed AIDS Related Complex (ARC) howsoever this Syndrome has been acquired or may be named. by a specialist for medical as distinct from domestic reasons. 2.7 Treatment for injury or illness directly or indirectly occasioned by, happening through or in consequence of 1.16 Interpretation Where appropriate, reference to the masculine gender shall be deemed to include the war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, riot, terrorism, feminine. rebellion, revolution, insurrection, military or usurped power. 20 2.8 Treatment or advice given by a General Practitioner or Dentist. Description of Benefits and the Subscriptions in force at the date of renewal. 2.9 Self inflicted injuries or disabilities. 3.9 Members who take up residence outside the EEA shall cease from the next renewal date to be members 2.10 Sight testing, routine medical examinations and any dental condition not involving an oro-surgical operation. of the Scheme. 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. THE MEDICAL CARE PLAN 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. Description of Benefits 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 1.15. 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 3.14 The Insurer will consider claims for treatment at hospitals on the list provided. Other hospitals may be Members 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 Benefits may 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. and Theatre Fees shall be 100% of the highest rated procedure plus up to 50% of the appropriate benefit This does not apply to members who enrol under the transfer condition or in respect of treatment for each subsequent procedure. For the purposes of benefits, operations are classified as Complex, Major required where 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 cash benefit detailed in the Description of Benefits shall be payable for each eligible night spent in hospital. enrolment, 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 shall be paid in Pounds Sterling at the rate of exchange prevailing on the day of the cheque in settlement the 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 3.20 Any claim for benefit must not exceed the actual expenses incurred and is payable up to the limit for the member of the scheme or since joining it, no benefit will be payable under this policy in the case of any time being prescribed within the Member’s chosen level. Such a claim must be in the Insurer’s prescribed revision or 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 EEA shall be eligible to apply for enrolment of himself and his Dependants in the accounts shall be submitted within one month of them being rendered and the requirement as to further Scheme. evidence shall apply. 3.2 The Insurer reserves the right to refuse any application or to restrict the range of benefits and the Applicant 3.21 If expenses are covered by an insurance on the Member or by any Provident Insurer, the Insurer reserves shall not be entitled to know the reason for such decision. the right not to pay more than its rateable proportion thereof. 3.3 Cover may be transferred from an existing plan and future claims made for acute conditions originating at 3.22 For the purposes of calculating daily payments, the days of admission and discharge together count as the time the member was participating in the previous plan will be honoured subject to the Description of one day. Benefits applicable at that time. 3.23 Accommodation charges are payable only when directly related to the In-Hospital treatment received in 3.3.1 The member must provide evidence of the existing plan and the commencement date of it to HMCA for Private Hospitals or the private wing of NHS Hospitals. the transfer terms to apply. 3.25 Where the treatment required results from the fault of another, the member must; 3.3.2 When a condition is first diagnosed (and did not exist prior to enrolment) benefit will be provided for such (i) Take all reasonable steps that the Insurer requires to recover from the party at fault the cost of the benefits diagnosis and any necessary treatment for one initial episode only. Subsequent treatment is not covered. paid by the Insurer and interest thereon. When these circumstances occur the Insurer will issue an appropriate endorsement to the certificate. The (ii) If recoverable, repay to the Insurer the cost of the benefits paid to the member with interest. Insurer provides a discretionary Long-Term Illness Grant which can be made available to those with a Long- 3.26 The benefits payable towards a claim are those applicable to your certificate at the time the claim form is Term Illness to assist transition to NHS care. issued. Therefore benefits from 2 separate membership years cannot be applied to the same claim. 3.6 On the death of a Member, a spouse who is registered as a Dependant may without formality become 3.28 Each In-Hospital stay must be pre-authorised at least the day before, with HMCA Members being in receipt a Member in his or her own right at the appropriate rate, according to whether the spouse was the only of the completed claim form, a consultant’s report and details of the hospital’s charges, before any agreement dependant or whether there were one or more child dependants. can be given as to the eligibility and benefits payable. 3.7 The contract is an annual one renewable from year to year at the option of the Member, subject to the 3.29 The Maternity Grant is payable once both parents have been members for at least twelve months. 21 Contractual

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Included with your Medical Care Plan are Personal Accident benefits, please read these terms and e) the Insured being intoxicated by alcohol or drugs, except as prescribed by a registered conditions and make sure that they meet your needs and that you are clear about the cover and qualified medical practitioner the exclusions. These documents form the contract of insurance 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. 22 . E INSU NC RA A N R C U E S IMPORTANT INFORMATION . THE PERSONAL ACCIDENT N I I N .

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HMCA Insurance Limited is the insurer who underwrites the Medical Care Plan Compensation and promotes their various plans through HMCA Members both in the UK and Republic of Ireland. It does not own, nor is it owned by, any part of HMCA HMCA Insurance Limited is covered by the Financial Services Compensation Members. 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 aspects would provide cover for 100% of the first £2,000 and 90% of the remainder of relating to administration, marketing and management of claims. In return for the claim without any upper limit. Further information about compensation this HMCA Members are remunerated by HMCA Insurance Limited from the scheme arrangements is available from the FSCS. (www.fscs.org.uk - subscription the members pay. telephone 020 7741 4100.) HMCA Members only promote Medical Plans underwritten by HMCA Insurance HMCA/S PLC, trading as HMCA Members of Beech Hall, Knaresborough, Limited and our experienced Telephone Helpline provide a non advised sales Yorkshire, HG5 0EA is an intermediary and is authorised and regulated by service. The Telephone Helpline are here for you to ask them any questions Financial Conduct Authority, reference no. 307587. This can be verified by regarding any aspect of the Plan, you can contact them on 01423 799949. visiting the FCA’s website https://register.fca.org.uk or by contacting the FCA on 0800 111 6768. We do not offer advice and the information sent will allow you to make a complaints procedure choice of how to proceed. If you have a complaint please write to The Directors of HMCA Members, Beech DEMANDS AND NEEDS Hall, Knaresborough, Yorkshire, HG5 0EA. If you are dissatisfied with the response you should write to HMCA Insurance Limited, 33/2 Cannon Lane, Gibraltar, GX11 This Plan meets the demands and needs of individuals who wish to have benefits 1AA. If after their review you are still dissatisfied, your complaint can be referred towards the cost of their private medical treatment, now and in the future. to the Financial Ombudsman Service at Exchange Tower, Harbour Exchange Square, London E14 9SR. 23 Protect the ones you love