MEDICAL CARE PLAN Private Medical Cover for You and Your Family
Total Page:16
File Type:pdf, Size:1020Kb
INCREASED BENEFITS FOR 2021 MEMBERS MEDICAL CARE PLAN Private medical cover for you and your family . E INSU NC RA A N R C U E S . N I I N . S E U R C A N N A C R INSURANCE E U S . N I I N S . U E R C A N 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 % % % % % uncertainty or inconvenience, effects on your work and family % % who have taken out membership over the % % your worries can be substantial life. By joining the Medical Care % % % % % % years. It provides a high level response to YEARS enough without added Plan, these problems will be % % % % % 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.