MEDICAL CARE PLAN Private Medical Cover for You and Your Family

INCREASED BENEFITS FOR 2021 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 HMCA has specialised in providing benefits for membership groups agreement. Whilst the National Health in the U.K. since the 1970s. To keep costs low it only deals with • Excellent benefits withService has a very good system substantial savings over other for dealing with emergencies membership groups, therefore, HMCA is not on any comparison major plans. and chronic situations, the website. waiting list nationwide for less These are just some of the urgent operations continues to reasons why you should grow. HMCA Members has a dedicated team of consider the Medical Care Plan as your first choice for your Having to wait months, or even experienced employees who service plans for % % % % % % % private health cover. When years, suffering discomfort % %

% oVer % you are ill you do not want any and pain could have disastrous % tens of thousands of discerning individuals %

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who have taken out membership over the

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your worries can be substantial life. By joining the Medical Care

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years. It provides a high level response to YeArS enough without added Plan, these problems will be

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% pressures. overcome. policy claims, evidenced by regular feedback proVIDING SerVICeS to MeMBerShIp GroUpS from customers and associations. WHY IS HMCA SO COMPETITIVE? With over 40 years of intimate experience of the insurance WE ARE HERE TO HELP and underwriting profession, HMCA is able to arrange value for money products within the health care market. If you wish to discuss your health care requirements • HMCA has minimal advertising costs. Dealing with or the Medical Care membership groups and associations they do not use the Plan, please contact us normal media outlets for advertising, for example national by writing to: HMCA, newspapers and television. Beech Hall Knaresborough, Yorkshire HG5 0EA. • HMCA deals with group and association members through Telephone helpline existing channels of communication. Email: [email protected] Beech Hall Circa 1737 (01423) 799949 Website: www.hmca.co.uk • HMCA works with the Underwriter to minimise cost bases Beech Hall, Knaresborough and this is reflected in the subscriptions it charges. 04/201294 ©2021 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 contractural information at the back of this brochure

IN-HOSPITAL TREATMENT - FOR OVERNIGHT OR OUT-PATIENT AND ADDITIONAL BENEFITS LONGER STAYS • Specialists services for consultations, investigations, day-case surgery, • Accommodation Charges PAID IN FULL pathology, physiotherapy, X-rays and scans. • Ward Nursing Charges PAID IN FULL • Alternative treatments of chiropractic, osteopathy, homeopathy and • Ward Drugs PAID IN FULL acupuncture. • A £200 a night tax-free cash benefit is available, for up to 30 nights, • Radiotherapy and chemotherapy. when NHS treatment is carried out solely as an NHS patient. This • A £900 maternity grant when both parents are members. includes accident or emergency admissions. • Parent accompanying child. • Surgical charges for surgeons and anaesthetists combined fees, • Home-nursing following private treatments. including aftercare, dependent on the complexity of the surgery. Please refer to the Description of Benefits on pages 18 and 19. • Private ambulance. • Personal accidental death benefit of £5,000. • Theatre fees, consumables, drugs and surgical dressings are dependent on the complexity of the surgery. Please refer to the • Personal accident disability cover of £1,000. Description of Benefits on pages 18 and 19. OVERSEAS COVER • Benefit is also payable for in-hospital treatment such as: • Continuation of cover when travelling abroad on holiday or • Medical charges for consultant physician fees, pathology and business. investigations whilst in hospital. • Intensive care. • Dental care for specialist in-hospital treatment. 4 Roadsmart Reader I am so very grateful for your kind support and help in this matter which is very much appreciated. As always, the efficiency, dependability and insurance cover provided by HMCA are second to none. HMCA Member, London, April 2021

SPECIAL GUARANTEED TRANSFER FACILITY LONG-TERM ILLNESS Cover can be transferred from an existing medical plan and All private health plans cover short-term medical conditions future claims made for acute conditions originating at the which are curable. Long-term conditions which are not time the member was participating in a previous plan, will covered are those which are recurrent, persistent or incurable. be honoured. However, at the time of joining, if you or your When a condition is first diagnosed (and did not exist prior to dependants are undergoing treatment or investigations, these enrolment), benefit will be provided for such diagnosis and are excluded unless fully disclosed and accepted by us. If you any necessary treatment, for one initial episode. think this may apply, please contact our confidential helpline As private health cover was never intended to replace the on 01423 799949 and the team will be happy to help. NHS, but meant to complement the service, all subsequent treatment will be given by the NHS. The plan does provide a UPGRADE AVAILABLE £1,100 LONG-TERM ILLNESS GRANT that can be used at the HMCA GP ADVICE LINE discretion of HMCA to help in the transition to NHS care. HMCA can offer a 24/7 unlimited use GP Advice MONEY-BACK GUARANTEE Line that can be accessed worldwide for telephone You must be satisfied or you may cancel the Medical Care Plan or video consultations. Plus, should the doctor feel within fourteen days for a full refund. you would benefit from prescription medication, you can have this delivered to you at any UK address, whether you are at home, work or on holiday. If you wish to upgrade to include this, telephone 01423 799949. 5 Promotional QUESTIONS AND ANSWERS Here is a list of the questions most frequently asked by members of trade and professional MEMBERS 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 Q. Is the HMCA discount of up to 40% off Q. Can you explain the benefit levels in excess or deductible, such as the first just an introductory offer? the Description of Benefits? £500 of a claim being paid by the A. No. This discount is applied throughout your A. Charges for in-patient accommodation, member? membership with HMCA. ward drugs and nursing charges are covered A. No. Our underwriters believe that our in full. Other benefits are based on the type Members should have cover from the Q. I’m fit and healthy, why do I need of treatment received and the complexity of commencement of any treatment covered Private Medical Cover? any operations carried out. The complexity under the Medical Care Plan. However, A. You may think you can put off taking out of all operations is advised by the specialist excesses are available if you want to reduce Private Medical Cover until you need to use carrying out your treatment. Our benefits your subscription, please ring 01423 799949 it, but you should remember not to leave it are based on our experience of the likely for more details. too late. If you were to be diagnosed now, costs involved and we apply limits to with no cover in place, you may well find you protect against overcharging which would Q. Is the offer to join the Medical Care cannot get cover for this condition in future. have the effect of increasing claims costs Plan dependent upon my remaining a and our Members’ subscriptions. member of my sponsoring association? Q. I have no existing private medical A. You must be a member of your sponsoring cover, can I join? Q. If I transfer from another provider will association when first joining the Medical A. Yes, you can join and after one full year’s I be covered for pre-existing medical Care Plan. After enrolment you become a membership, providing you have been conditions? Member of HMCA and your discount will treatment and symptom free for 12 A. Yes, when you transfer any future claims continue. consecutive months, any pre-existing medical made for acute conditions originating at the condition that occurred prior to joining us will time you were participating in your previous Q. May I transfer from my plan to your be covered. plan will be honoured. However, when you Medical Care Plan? join if you are undergoing treatment or A. Yes. If you are in a medical plan you can Q. Are your terms similar to those in my investigations these are excluded unless transfer to the Medical Care Plan. present plan? fully disclosed and accepted by us. For A. The benefits are summarised on pages 4 and more details telephone our helpline on 01423 799949. Q. Who do I speak to when I want to make 5 entitled ‘Summary of Benefits’, and the

a claim? ‘Description of Benefits’ is in the contractual A. Our UK based claims team offer a personal information on pages 18 to 22. These may differ from your current plan. 6 service and provide prompt settlement. Shooting & Conservation Reader I did like the fact I could get straight through on the phone to speak to a real person. Those that I spoke to were very very helpful indeed and called me back as promised. Great service, thanks. HMCA Member, Buckinghamshire, January 2021

Q. Is the scope of the Medical Care Plan Q. May I choose the hospital which treats Q. Do you have restrictive clauses wider than many others? me? relating to the NHS waiting lists? A. As well as providing comprehensive benefits A. Yes. There are no restrictions, you can A. No. We do not have restrictive clauses for treatment of acute medical conditions use any of the hospitals detailed on our relating to the NHS waiting lists. the Plan has a number of very important comprehensive list. If your preferred hospital Q. Am I covered when travelling overseas? extra features which extend the scope: is not listed please contact our Helpline. A. Yes. Cover continues when you travel abroad • We include treatment for injuries sustained on holiday or business for up to six months at whilst playing sport. Q. Can you pay the hospital direct? no extra cost. • Cover continues whilst you are abroad on A. Yes. We have arrangements with leading holiday or business for up to six months, at hospital groups and they will bill us direct for Q. Am I covered for sporting injuries? no extra cost. any admissions to hospital. Please contact A. Yes. Benefits are payable however some our Helpline for more information. hazardous pursuits are excluded from the Q. What happens if I am admitted to Personal Accident Benefit. an NHS hospital? Q. Is day-case surgery covered? A. If you choose to have all your treatment A. Yes. The plan provides benefits towards day- Q. What is the maximum age at which I may join the Medical Care Plan or solely through the NHS, or it’s an emergency case surgery. transfer from another plan? admission, you will receive £200 a night spent A. There is no age limit when joining the Medical in hospital, for up to 30 nights. Of course, this Q. Am I covered for alternative medical Care Plan. is tax-free cash which you keep to spend as treatment? you wish. A. Yes. Under our out-patient section you Q. What is Insurance Premium Tax (IPT)? are covered for chiropractic, osteopathy, A. IPT is a tax on general insurance, for Q. Do you pay my specialist directly if I homeopathy and acupuncture given by example, motor, household and medical claim? qualified practitioners. cover, levied by the Government. All A. Yes. We are happy to pay your specialist on subscriptions quoted by HMCA include IPT, your behalf or we can reimburse you. if applicable. 7 Promotional

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

SPECIALIST CHOICE OF COUNTRYWIDE HOSPITALS Freedom of choice. HMCA have no restictive list, you choose the You have the choice of over 500 hospitals on our list and others with specialist. prior arrangement.

NO AGE RESTRICTIONS OVERSEAS AND SPORTS COVER INCLUDED You can join at any age. Cover continues when you travel abroad on holiday or business for up to six months and is included at no extra cost, whereas most CONTACTING HMCA BY TELEPHONE other plans may reduce benefits or ask for increased subscriptions, We have no automated telephone lines; calls are answered by our or indeed offer no cover at all. professional UK staff. An answerphone is in operation out of hours. If a message is left with a telephone number, we will get back to DENTAL TREATMENT you. In-hospital or day-case surgical treatment is included.

A PROMPT AND PERSONAL CLAIMS SERVICE IS EXCESS OR DEDUCTIBLE PROVIDED This is available, for more details ring 01423 799949. Our UK based claims team offer a personal service and provide prompt settlement. HOME-NURSING The Medical Care Plan allows up to £4,000 each year. NO MEDICAL EXAMINATION No medical examination is required when you join.

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LONG-TERM ILLNESS GRANT After enrolment, a Member receiving treatment that ceases to be UPGRADE AVAILABLE short-term qualifies for a grant of up to £1,100. This benefit can be given at the discretion of HMCA. HMCA GP ADVICE LINE

SPECIAL GUARANTEED TRANSFER FACILITY HMCA can offer a 24/7 unlimited use GP Advice Line that can Cover can be transferred from an existing plan, and future claims be accessed worldwide for telephone or video consultations. made for acute conditions originating at the time you were Plus, should the doctor feel you would benefit from prescription participating in a previous plan, will be honoured. However, at the medication, you can have this delivered to you at any UK address, time of joining, if you or your dependants are undergoing treatment whether you are at home, work or on holiday. or investigations, these are excluded unless fully disclosed and accepted by us. If you think this may apply, please contact our If you wish to upgrade to include this, telephone 01423 799949. confidential helpline on 01423 799949 and the team will be happy to help.

NHS HOSPITAL CASH BENEFIT A £200 a night tax-free cash benefit is available, for up to 30 nights, if THIRD AGE MATTERS NHS treatment is carried out solely as an NHS patient. This includes I appreciated the absence of any “hard sell” techniques, accident or emergency admissions. which might have put me off. I felt comfortable explaining the budget I potentially had available and, most importantly, I felt listened to. HMCA Member, Devon, January 2021 9 Promotional

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HOSPITAL ACCOMMODATION LIST You can use any hospital on this list, over 500 are available. ENGLAND BUCKINGHAMSHIRE Chester Countess of Chester Hospital DEVON BEDFORDSHIRE Amersham Amersham Hospital Chester Nuffield Hospital Grosvenor Barnstaple North Devon District Hospital Bedford BMI Manor Hospital Aylesbury Stoke Mandeville Hospital Crewe Leighton Hospital Exeter Nuffield Hospital Exeter Bedford Bedford General Hospital Gerrards Cross Chalfont & Gerrards Cross Macclesfield Macclesfield District General Exeter Royal Devon & Exeter Luton Luton & Dunstable University Hospital Hospital Hospital Hospital Great Missenden BMI The Chiltern Hospital Macclesfield Spire Regency Hospital Exmouth Exmouth Hospital High Wycombe BMI Shelburne Hospital Runcorn Halton General Hospital Ilfracombe Ilfracombe Tyrrell Hospital BERKSHIRE High Wycombe Wycombe Hospital Warrington Warrington Hospital Newton Abbott Newton Abbott Hospital Ascot Heatherwood Hospital Milton Keynes BMI Saxon Clinic Warrington Spire Cheshire Hospital Plymouth Derriford Hospital Reading Circle Reading Hospital Milton Keynes Milton Keynes General Plymouth Mount Gould Hospital Reading Spire Dunedin Hospital Hospital CORNWALL Plymouth Nuffield Hospital Plymouth Reading Royal Berkshire Hospital Princes Risborough BMI The Paddocks Clinic Falmouth Falmouth Hospital Plymouth Royal Eye Infirmary Reading Berkshire Independent Hayle St Michael’s Hospital Sidmouth Victoria Hospital Hospital CAMBRIDGESHIRE Penzance West Cornwall Hospital Tavistock Tavistock Hospital Slough Wexham Park Hospital Cambridge Addenbrookes Hospital Truro Duchy Hospital Teignmouth Teighnmouth Hospital Slough Spire Thames Valley Hospital Cambridge Spire Cambridge Lea Hospital Truro Royal Cornwall Hospital Tiverton Tiverton & District Hospital Windsor King Edward VII Hospital Cambridge Nuffield Hospital Cambridge Torquay Mount Stuart Hospital CUMBRIA Windsor BMI Princess Margaret Cambridge Royal Papworth Hospital Torquay Torbay Hospital Barrow-in-Furness Furness Hospital Hospital Cambridge Cambridge Heart Clinic Huntingdon Cromwell Clinic Carlisle Cumberland Infirmary DORSET BRISTOL Huntingdon Hinchingbrooke Hospital Kendal Westmorland General Bournemouth Christchurch Hospital Bristol Spire Bristol ‘Glen’ Hospital Peterborough Peterborough City Hospital Hospital Bournemouth Nuffield Hospital Bristol Nuffield Hospital Bristol Peterborough Fitzwilliam Hospital Whitehaven West Cumberland Hospital Bournemouth Bristol Bristol Eye Hospital Wisbech North Cambridgeshire Bournemouth Royal Bournemouth Hospital DERBYSHIRE Bristol Frenchay Hospital Hospital Dorchester BMI Winterbourne Hospital Buxton Buxton Hospital Bristol Bristol Royal Infirmary Dorchester Dorset County Hospital Derby Nuffield Hospital Derby Bristol St Michael’s Hospital CHESHIRE Poole BMI Harbour Hospital Derby Royal Derby Hospital Bristol Southmead Hospital Altrincham Althrincham General Hospital Sherborne Yeatman Hospital Cheadle BMI Alexandra Hospital 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 799949. PGA Professional Magazine Reader As always excellent service, just sent my first claim form in, it was settled within a week...amazing. HMCA Member, April 2021

DURHAM Grays Orsett Hospital Southampton Spire Southampton Hospital ISLE OF WIGHT Bishop Auckland Bishop Auckland Hospital Harlow Princess Alexandra Hospital Southampton Southampton General Newport St Mary’s Hospital Chester Le Street Chester Le Street Hospital Havering Queen’s Hospital Hospital Darlington Darlington Memorial Hospital Maldon St Peter’s Hospital Southampton Princess Anne Hospital KENT Darlington BMI Woodlands Ilford King George Hospital Southampton Royal South Hants Hospital Ashford One Ashford Hospital Durham University Hospital of North Ilford Spire London East Hospital Winchester Royal Hampshire County Ashford William Harvey Hospital Durham Southend-on-Sea Southend Hospital Hospital Beckenham BMI Sloane Hospital Hartlepool University Hospital of Southend-on-Sea Spire Wellesley Hospital Winchester BMI Sarum Road Hospital Benenden Benenden Hospital Hartlepool Southend-on-Sea BMI Southend Private Canterbury BMI Chaucer Hospital Shotley Bridge Shotley Bridge Hospital Hospital HEREFORDSHIRE Canterbury Kent & Canterbury Hospital Stockton-on-Tees Nuffield Hospital Tees Hereford Hereford County Hospital Chatham Spire Alexandra Hospital Stockton-on-Tees University Hospital of North GLOUCESTERSHIRE Hereford Nuffield Hospital Hereford Dartford Darent Valley Hospital Tees Cheltenham Cheltenham General Hospital Deal Victoria Hospital HERTFORDSHIRE Cheltenham Nuffield Hospital Cheltenham Dover Buckland Hospital ESSEX Gloucester Gloucester Royal Hospital Bishops Stortford Herts & Essex General Folkestone Royal Victoria Hospital Basildon Basildon University Hospital Gloucester Winfield Hospital Hospital Gillingham Medway Maritime Hospital Basildon Orwell Private Cardiothoracic Stroud Stroud General Hospital Harpenden Spire Harpenden Hospital Herne Bay Queen Victoria Memorial Unit Hatfield One Hatfield Hospital Hospital Brentwood Nuffield Hospital Brentwood HAMPSHIRE Hemel Hempstead Hemel Hempstead Hospital Longfield BMI Fawkham Manor Hospital Brentwood Spire Hartswood Hospital Basingstoke Basingstoke & North Hertford Hertford County Hospital Maidstone Maidstone Hospital Buckhurst Hill Holly House Hospital Hampshire Hospital Hitchin Pinehill Hospital Maidstone Maidstone KIMS Chelmsford Baddow Hospital Basingstoke BMI Hampshire Clinic Sawbridgeworth Rivers Hospital Margate Queen Elizabeth the Queen Chelmsford Broomfield Hospital Eastleigh Nuffield Health Wessex St Albans St Albans City Hospital Mother Hospital Chelmsford Springfield Hospital Hospital Stevenage Lister Hospital Margate Spencer Private Hospital Clacton-on-Sea Clacton & District Hospital Havant Spire Portsmouth Hospital Watford Spire Bushey Hospital Orpington BMI Chelsfield Park Hospital Colchester Oaks Hospital Lymington New Forest Hospital Watford Watford General Hospital Sevenoaks Sevenoaks Hospital Colchester Essex County Hospital Portsmouth Queen Alexandra Hospital Welwyn Garden City Queen Elizabeth II Hospital Sidcup Queen Mary’s Hospital Colchester Colchester General Hospital Portsmouth St Mary’s NHS Treatment Tunbridge Wells Tunbridge Wells Hospital Epping St Margaret’s Hospital Centre CONTINUED 11 Promotional

Tunbridge Wells Nuffield Hospital Tunbridge Lincoln BMI Lincoln Hospital WC1 Great Ormond Street Hospital NW1 University College Hospital Wells Lincoln Lincoln County Hospital SE1 Guy’s Hospital NW1 Western Eye Hospital Tunbridge Wells Spire Tunbridge Wells Louth County Hospital W12 Hammersmith Hospital W1G Weymouth Street Hospital Hospital Stamford Stamford & Rutland Hospital W12 Queen Charlotte’s & Chelsea E11 Whipps Cross Hospital Hospital N19 Whittington Hospital LANCASHIRE GREATER LONDON N6 Highgate Hospital SW5 Cromwell Hospital Blackburn BMI Beardwood Hospital Ashford Ashford Hospital WC1E Hospital for Tropical Diseases Blackburn Royal Blackburn Hospital Barnet Barnet Hospital NW8 Hospital of St John & St GREATER MANCHESTER Blackpool Spire Fylde Coast Hospital Carshalton St Helier Hospital Elizabeth Ashton-under-Lyne Tameside General Hospital Blackpool Victoria Hospital Enfield Chase Farm Hospital NW8 British Hernia Centre Bolton BMI The Beaumont Hospital Bolton BMI Beaumont Hospital Enfield BMI Kings Oak Hospital W1G King Edward VII Hospital Bury Fairfield General Hospital Bolton Royal Bolton Hospital Enfield BMI The Cavell Hospital SE5 King’s College Hospital Leigh Leigh Infirmary Burnley Burnley General Hospital Harefield Harefield Hospital SE13 University Hospital Lewisham Manchester Spire Manchester Hospital Chorley Euxton Hall Hospital Harrow Northwick Park Hospital E1 Royal London Hospital Manchester Christie Hospital Lancaster BMI Lancaster Hospital Harrow BMI Clementine Churchill Whitechapel Manchester North Manchester General Ormskirk Ormskirk & District General Hospital E1 BMI London Independent Hospital Hospital Harrow St Mark’s Hospital Hospital Manchester Royal Manchester Children’s Ormskirk Renacres Hospital Isleworth West Middlesex University EC1 Moorfields Eye Hospital Hospital Preston Fulwood Hall Hospital Hospital WC1 National Hospital for Manchester Royal Eye Hospital Preston Royal Preston Hospital Kingston upon Thames Kingston Hospital Neurology & Neurosurgery Manchester Royal Infirmary Kingston upon Thames New Victoria Hospital Manchester St Mary’s Hospital LEICESTERSHIRE N18 North Middlesex University Northwood BMI Bishops Wood Hospital Hospital Oldham Royal Oldham Hospital Hinckley Hinckley & District Hospital Northwood Mount Vernon Hospital Rochdale Birch Hill Hospital Leicester Glenfield Hospital SW19 Parkside Hospital Wimbledon Southall Ealing Hospital W1 The Portland Hospital for Rochdale BMI Highfield Hospital Leicester Leicester General Hospital Stanmore Royal National Orthopaedic Rochdale Rochdale Infirmary Leicester Nuffield Hospital Leicester Women & Children Hospital SW15 Queen Mary’s Hospital Salford Oaklands Hospital Leicester Leicester Royal Infirmary Uxbridge Hillingdon Hospital Salford Salford Royal Hospital Oadby Spire Leicester Hospital Roehampton NW3 Royal Free Hospital Stockport Stepping Hill Hospital LONDON (Postal Area) Wigan Royal Albert Edward LINCOLNSHIRE SE3 BMI Blackheath Hospital SW3 Royal Marsden Hospital Boston Boston West Hospital Infirmary SW3 Royal Brompton Hospital Wigan Wrightington Hospital Boston Pilgrim Hospital SW10 Chelsea & Westminster W1 Royal National Throat, Nose & Grantham Grantham & District Hospital Ear Hospital Wythenshawe Wythenshawe Hospital Hospital Grimsby St Hugh’s Hospital W6 Charing Cross Hospital EC1 St Bartholemew’s Hospital MERSEYSIDE Grimsby Diana Princess of Wales NW4 BMI Hendon Hospital SW17 St George’s Hospital Liverpool Broadgreen Hospital Hospital WC1N Royal London Hospital for W2 St Mary’s Hospital Liverpool Spire Liverpool Hospital Integrated Medicine SE1 St Thomas’ Hospital 12 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 799949. Liverpool Royal Liverpool University NOTTINGHAMSHIRE Weston Super Mare Weston General Hospital Hospital Nottingham Nottingham City Hospital Yeovil Yeovil District hospital Liverpool Liverpool Women’s Hospital Nottingham BMI The Park Hospital Liverpool University Hospital Aintree Nottingham Queens Medical Centre STAFFORDSHIRE Liverpool Liverpool Heart & Chest Nottingham Circle Nottingham Clinic Burton-on-Trent Queen’s Hospital Hospital Nottingham Nottingham Woodthorpe Newcastle-under-Lyme Nuffield Hospital North Ormskirk Ormskirk & District General Hospital Staffordshire Hospital Nottingham Spire Hospital Stafford Staffordshire General Hospital Prescot Whiston Hospital Sutton in Ashfield Kings Mill Hospital Stafford Rowley Hall Hospital Woking Nuffield Hospital Woking St Helens Fairfield Independent Worksop Bassetlaw District General Stoke-on-Trent Royal Stoke University SUSSEX - EAST Hospital Hospital Hospital Brighton Royal Alexandra Children’s St Helens St Helens Hospital SUFFOLK Hospital Southport Southport & Formby District OXFORDSHIRE Bury-St-Edmunds BMI St Edmunds Hospital Brighton Royal Sussex County Hospital General Hospital Banbury Foscote Hospital Bury-St-Edmunds West Suffolk Hospital Brighton Sussex Eye Hospital Wirral Clatterbridge Hospital Banbury Horton General Hospital Ipswich Ipswich Hospital Brighton Nuffield Hospital Brighton Wirral Spire Murrayfield Hospital Oxford Churchill Hospital Ipswich Nuffield Hospital Ipswich Crowborough Horder Centre Wirral Arrowe Park Hospital Oxford Nuffield Orthopaedic Centre Oxford Nuffield Hospital Oxford (The SURREY Manor) NORFOLK Ashtead Ashtead Hospital Oxford John Radcliffe Hospital Cromer Cromer Hospital Camberley Frimley Park Hospital

Great Yarmouth James Paget University Caterham North Downs Hospital Hospital SHROPSHIRE Oswestry Robert Jones & Agnes Hunt Cheam Spire St Anthony’s Norwich Spire Norwich Hospital Chertsey BMI Runnymede Hospital Norwich Nolfolk & Norwich University Orthopaedic Hospital Money Week Shrewsbury Nuffield Hospital Shrewsbury Chertsey St Peter’s Hospital Hospital Croydon BMI Shirley Oaks Hospital Reader Shrewsbury Royal Shrewsbury Hospital NORTHAMPTONSHIRE Telford Princess Royal Hospital Epsom Epsom General Hospital I would like to commend Farnham Spire Clare Park Hospital Kettering Kettering General Hospital your staff for their empathy, Kettering Woodland Hospital SOMERSET Guildford Nuffield Hospital Guildford Northampton Northampton General Bath BMI Bath Clinic Guildford BMI Mount Alvernia Hospital kindness and consideration Hospital Bath Circle Bath Hospital Guildford Royal Surrey County Hospital in my distress. Northampton BMI Three Shires Hospital Bath Royal National Hospital for Horley Spire Gatwick Park Hospital Rheumatic Diseases Kingston-upon-Thames BMI Coombe Wing HMCA Member, London, Bath Royal United Hospital NORTHUMBERLAND Leatherhead Leatherhead Hospital March 2021 Alnwick Alnwick Infirmary Taunton Musgrove Park Hospital Redhill East Surrey Hospital

Hexham Hexham General Hospital Taunton Nuffield Hospital Taunton Sutton Royal Marsden Hospital CONTINUED 13 Promotional

Eastbourne Eastbourne District General WARWICKSHIRE WORCESTER Huddersfield Royal Infirmary Hospital Leamington Spa Nuffield Warwickshire Droitwich BMI Droitwich Spa Hospital Keighley Airedale General Hospital Hove Spire Montefiore Hospital Hospital Kidderminster Kidderminster Hospital Leeds Leeds General Infirmary Lewes Victoria Hospital Nuneaton George Eliot Hospital Redditch Alexandra Hospital Leeds Spire Leeds Hospital Rugby Hospital of St Cross Worcester Worcester Royal Hospital Leeds Spire Methley Park St Leonards-on-Sea Conquest Hospital Stratford Circle Stratford Clinic Worcester Spire South Bank Hospital Leeds Nuffield Hospital Leeds St Leonards-on-Sea Spire Sussex Hospital Warwick Warwick Hospital Leeds St James’s University Hospital YORKSHIRE - NORTH Pontefract Pontefract Hospital SUSSEX - WEST WEST MIDLANDS Bridlington Bridlington & District Hospital Salterhebble Calderdale Royal Hospital Chichester Nuffield Hospital Chichester Birmingham City Hospital Harrogate BMI The Duchy Hospital Wakefield Pinderfields General Hospital Chichester St Richard’s Hospital Birmingham Children’s Hospital Harrogate Harrogate District Hospital Birmingham Heartlands Hospital Malton Malton Norton & District HULL & EAST YORKSHIRE Crawley Crawley Hospital Birmingham BMI The Edgbaston Hospital Hospital Cottingham Castle Hill Hospital East Grinstead Queen Victoria Hospital Birmingham BMI Priory Hospital Middlesborough James Cook University Goole Goole & District Hospital East Grinstead McIndoe Surgical Centre Birmingham Queen Elizabeth Hospital Hospital Hull Spire Hull & East Riding Haywards Heath Nuffield Hospital Haywards Birmingham Royal Orthopaedic Hospital Northallerton Friarage Hospital Hospital Heath Birmingham Women’s Hospital Scarborough Scarborough General Hull Royal Infirmary Haywards Heath Princess Royal Hospital Coventry BMI Meriden Hospital Hospital Scunthorpe Scunthorpe General Hospital Horsham Horsham Hospital Coventry University Hospital Coventry York Clifton Park Hospital Worthing Worthing Hospital Dudley Corbett Hospital York York District Hospital WALES Worthing BMI Goring Hall Hospital Dudley Russells Hall Hospital York Nuffield Hospital York CLWYD Halesowen West Midlands Hospital Abergele Abergele Hospital YORKSHIRE - SOUTH Rhyl Glan Clwyd Hospital TYNE & WEAR Solihull Birmingham Midland Eye Gateshead Queen Elizabeth Hospital Barnsley Barnsley Hospital Wrexham Maelor Hospital Centre Newcastle Freeman Hospital Doncaster Park Hill Hospital Wrexham Spire Yale Hospital Solihull Spire Parkway Hospital Newcastle Nuffield Hospital Newcastle- Doncaster Royal Infirmary Solihull Solihull Hospital upon-Tyne Rotherham Rotherham Hospital DYFED Sutton Coldfield Good Hope Hospital Sheffield BMI Thornbury Hospital Aberystwyth Bronglais General Hospital Newcastle Royal Victoria Infirmary Sutton Coldfield Spire Little Aston Hospital Newcastle Walkergate Hospital Sheffield Sheffield Children’s Hospital Camarthen BMI Werndale Hospital Walsall Manor Hospital Sheffield Claremont Hospital Camarthen Glangwili General Hospital North Shields North Tyneside General West Bromwich Sandwell General Hospital Hospital Sheffield Northern General Hospital Haverfordwest Withybush General Hospital Wolverhampton New Cross Hospital Sheffield Royal Hallamshire Hospital Wolverhampton Nuffield Hospital Sheffield Weston Park Hospital GLAMORGAN - MID South Shields South Tyneside District Wolverhampton Hospital Bridgend Princess of Wales Hospital YORKSHIRE - WEST Llantrisant Royal Glamorgan Hospital Sunderland Sunderland Eye Infirmary WILTSHIRE Sunderland Sunderland Royal Hospital Bingley Yorkshire Clinic Merthyr Tydfil Prince Charles Hospital Malborough Savernake Hospital Bradford Royal Infirmary Washington Spire Washington Hospital Salisbury New Hall Hospital Dewsbury Dewsbury & District Hospital GLAMORGAN - SOUTH Salisbury Salisbury District Hospital Elland Spire Elland Hospital Cardiff Cardiff Bay Hospital Swindon Great Western Hospital Huddersfield BMI Huddersfield Hospital Cardiff Spire Cardiff Hospital Swindon BMI Ridgeway Hospital 14 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 799949. Cardiff The Vale Hospital, Hensol STRATHCLYDE Coleraine Causeway Hospital Cardiff University Hospital of Wales Alexandria Vale of Leven Hospital Londonderry Altnagelvin Area Hospital Ayr BMI Carrick Glen Hospital Magherafelt Mid Ulster Hospital GLAMORGAN - WEST Ayr Ayr Hospital Neath Neath Port Talbot Hospital Glasgow Nuffield Hospital Glasgow TYRONE Swansea Morriston Hospital Glasgow BMI Ross Hall Hospital Dungannon South Tyrone Hospital Swansea Sancta Maria Hospital Glasgow Queen Elizabeth University Omagh Tyrone County Hospital Swansea Singleton Hospital Hospital Greenock Inverclyde Royal Hospital CHANNEL ISLANDS GWENT Kilmarnock Crosshouse Hospital Alderney Mignot Memorial Hospital Abergavenny Nevill Hall Hospital Guernsey Princess Elizabeth Hospital Newport St Joseph’s Hospital TAYSIDE Jersey Jersey General Hospital Arbroth Arbroth Infirmary GWYNEDD Brechin Stracathro Hospital Bangor Gwynedd Hospital Dundee BMI Fernbrae Hospital Llandudno Llandudno General Hospital Perth Perth Royal Infirmary

SCOTLAND NORTHERN IRELAND CENTRAL COUNTY ANTRIM Stirling BMI Kings Park Hospital Belfast Belfast City Hospital Larbert Forth Valley Royal Hospital Belfast Kingsbridge Private Hospital Belfast Mater Hospital GRAMPIAN Belfast Musgrave Park Hospital Aberdeen BMI Albyn Hospital Belfast Royal Victoria Hospital Aberdeen Royal Aberdeen Children’s Belfast Ulster Independent Clinic Hospital Belfast Ulster Hospital Aberdeen Aberdeen Royal Infirmary Lisburn Lagan Valley Hospital Aberdeen Woodend Hospital Newtownabbey Whiteabbey Hospital

HIGHLAND COUNTY ARMAGH Third Age Matters Reader Fort William Belford Hospital Craigavon Craigavon Area Hospital I wish to thank you for the professional way my claim Inverness Raigmore Hospital COUNTY DOWN Wick Caithness General Hospital Downpatrick Downe Hospital has been handled and the courtesy your staff have LOTHIAN Newry Daisy Hill Hospital shown on each occasion I have phoned with a query. I Edinburgh Spire Murrayfield Hospital Edinburgh Spire Shawfair Park Hospital COUNTY FERMANAGH have no hesitation in recommending your company to Edinburgh Royal Hospital for Sick Enniskillen South Western Acute Hospital colleagues and friends. Well done! Children

Edinburgh Royal Infirmary of Edinburgh LONDONDERRY HMCA Member, Devon, January 2020 Edinburgh Western General Hospital Ballykelly North West Independent Edinburgh The Edinburgh Clinic Hospital Livingston St John’s Hospital 15 Promotional

We Are here to help

If you wish to discuss your healthcare requirements or the Medical Care Plan, please call our helpline on 01423 799949

THE GARDEN MAGAZINE READER SPECTATOR MAGAZINE READER I wanted to advise you that the exemplary service I found the service I received from HMCA to be very offered by everyone I have dealt with at HMCA has efficient and friendly. All of my queries were answered, been pivotal in my decision to renew. The knowledge, politeness and a willingness to help with each and I found that the information sent to me was clear interaction is a credit to your organisation. I want to and user-friendly. thank you all for your help and kindness since I took out my insurance with you. HMCA Member, London, February 2021 HMCA Member, London, March 2021 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 - FOR OVERNIGHT OR LONGER STAYS

£ £ ACCOMMODATION CHARGES IN A HOSPITAL ON OUR pathology, investigations & Physiotherapy HOSPITAL LIST Paid in full When charged individually by the hospital up to 1200 up to 550 WARD NURSING CHARGES FOR EACH STAY IN Paid in full 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 3450 Treatment carried out solely as an NHS patient. This includes for up to 30 Major Plus Operation up to 1400 accident or emergency admissions. nights a year Major Operation Intermediate Operation up to 825 SURGICAL CHARGES FOR EACH STAY IN HOSPITAL Minor Operation up to 500 Surgeons and Anaesthetists Combined Fees including aftercare. Additional Benefit for an operation requiring up to 1500 Major Plus Operation up to 1875 specialised operative techniques. Major Operation up to 1260 Intermediate Operation up to 850 WARD DRUGS & CONSUMABLES FOR EACH STAY IN Paid in full Minor Operation up to 485 HOSPITAL Additional Benefit for an operation requiring specialised operative up to 2200 When charged separately for in-hospital treatment. techniques PHYSICIAN FEES FOR NON SURGICAL STAYS IN THEATRE FEES, CONSUMABLES, DRUGS AND HOSPITAL up to 150 for SURGICAL DRESSINGS FOR EACH STAY IN HOSPITAL First three days each day Major Plus Operation up to 2875 up to 75 for Major Operation up to 1750 After three days each day Intermediate Operation up to 1150 Minor Operation up to 825 INTENSIVE CARE / HIGH DEPENDENCY Additional Benefit for an operation requiring specialised operative up to 3000 Benefit is payable for medical treatment in an intensive care or each year techniques high dependency unit. up to 2400 18 PERSONAL ACCIDENT BENEFITS OTHER ADDITIONAL BENEFITS

£ £ PERSONAL ACCIDENT DEATH BENEFIT 5000 RADIOTHERAPY/CHEMOTHERAPY each year PERSONAL ACCIDENT DISABILITY COVER 1000 A grant is given towards treatment up to 900

DAY CASE & OUTPATIENT BENEFITS PARENT/GUARDIAN ACCOMPANYING each day up to 350 £ A CHILD For a child under 16 years of age, HMCA will pay the SPECIALIST SERVICES COMBINED £2750 accommodation charge for one parent for a period not exceeding OVERALL ANNUAL LIMIT £ 20 days’ a year. Consultations/Physiotherapy or up to 525 Complementary Medicine Investigations, Pathology, X-Rays, Scans up to 1425 HOME-NURSING Following treatment at a private hospital, or treatment arranged on each year Day Case Surgery up to 2750 a private basis at an NHS hospital for a qualified nurse for medical up to 4000 reasons. Within this benefit the annual overall maximum cannot exceed £2750

DENTAL BENEFITS PRIVATE AMBULANCE For transport by a private ambulance to or from a hospital for each year medical reasons. up to 400 DENTAL TREATMENT Benefit is payable only where specialist in-hospital treatment is necessary. MATERNITY GRANT When both parents have been members for a year. for each OVERSEAS BENEFITS birth 900

OVERSEAS COVER LONG-TERM ILLNESS GRANT Cover continues when you travel abroad on holiday or business Benefits as Long-term conditions which are not covered are those that are up to 1100 for a period not exceeding six months. Excluded are general for the U.K. recurrent, persistent or incurable. After enrolment, a Member practitioners services and hotel expenses. receiving treatment that ceases to be short-term qualifies for a grant. This benefit can be given at the discretion of HMCA.

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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 and 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 Day Case An admission to a hospital that does not involve an overnight stay. 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 (including with your General 1.12 In-Hospital Treatment An overnight stay by a Member or his Dependant for private treatment in a Private Practitioner) these are excluded unless 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 Subscriptions in force at the date of renewal. 2.9 Self inflicted injuries or disabilities. 3.9 Members who take up residence outside the UK shall cease from the next renewal date to be Members of 2.10 Sight testing, routine medical examinations and any dental condition not involving an oro-surgical operation. 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. 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 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 3.14 The Insurer will consider claims for treatment at hospitals on the list provided. Other hospitals may be (ii) medical reports which may be required at any time in respect of 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 patient’s 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 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 UK 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 Association, 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 one the time the Member was participating in the previous plan will be honoured subject to the Description of 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 The Maternity Grant is payable once both parents have been Members for at least twelve months. a Member in his or her own right at the appropriate rate, according to whether the spouse was the only 3.29 Each In-Hospital stay must be pre-authorised at least the day before, with HMCA Members being in receipt Dependant or 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 any agreement 3.7 The contract is an annual one renewable from year to year at the option of the Member, subject to the can be given as to the eligibility and benefits payable. 21 Contractual

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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. 22 . E INSU NC RA A N R C U E S IMPORTANT INFORMATION . N I I N .

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HMCA Insurance Limited is the insurer that underwrites the Medical Care Compensation Plan and promotes its various plans through HMCA Members in the UK. It does not own any part of HMCA Members. HMCA Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in HMCA Members is an insurance intermediary that works on behalf of the the unlikely event that HMCA Insurance Limited cannot meet its obligations. underwriters, HMCA Insurance Limited. HMCA Members undertakes all This depends on the type of business and circumstances of the claim and aspects relating to administration, marketing and management of claims. In would provide cover for 100% of the first £2,000 and 90% of the remainder of return for this, HMCA Members is remunerated by HMCA Insurance Limited the claim without any upper limit. Further information about compensation from the subscription the members pay. scheme arrangements is available from the FSCS. (www.fscs.org.uk - telephone 020 7741 4100.) HMCA Members only promotes Medical Plans underwritten by HMCA HMCA/S PLC, trading as Hospital & Medical Care Association, HMCA and Insurance Limited and its experienced Telephone Helpline provides a non- HMCA Members is an intermediary and is authorised and regulated by the advised sales service. The Telephone Helpline is here for you to ask any Financial Conduct Authority, reference no. 307587. This can be verified by questions regarding any aspect of the Plan. You can contact them on 01423 visiting the FCA’s website https://register.fca.org.uk or by contacting the FCA 799949. on 0800 111 6768. We do not offer advice and the information sent will allow you to make a choice of how to proceed. complaints procedure If you have a complaint please write to The Directors of HMCA Members, DEMANDS AND NEEDS Beech Hall, Knaresborough, Yorkshire, HG5 0EA. If you are dissatisfied with This Plan meets the demands and needs of individuals who wish to have the response you should write to HMCA Insurance Limited, 33/2 Cannon benefits towards the cost of their private medical treatment, now and in the Lane, Gibraltar, GX11 1AA. If after their review you are still dissatisfied, your future. complaint can be referred to the Financial Ombudsman Service at Exchange Tower, Harbour Exchange Square, London E14 9SR. 23 Protect the ones you love