THE MEDICAL SAVER PLAN PRIVATE MEDICAL COVER FOR OVERNIGHT & LONGER STAYS IN HOSPITAL INCREASED BENEFITS . E INSU NC RA FOR 2021 A N R C U E S . N I I N . S E U R C A N N A C R INSURANCE E This brochure includes U S . N I I N S . U E R C A promotional and contractual information N promotional WHAT THE ASSOCIATIONS SAY ABOUT US You were introduced to the Medical Saver Plan through your membership of your sponsoring association or publication. The Hospital and Medical Care Association has worked with over 1,000 well known associations to offer its plans. GEM Motoring Assist has been arranging a wide range of top quality services for its members since 1932. For the past nine years we have been delighted to add HMCA to our list of chosen service providers and have always found working with them to be a pleasant and efficient process. Many GEM members have benefited from this long standing partnership which I hope to continue for many years to come. Neil Worth, Chief Executive, GEM Motoring Assist Our members have been able to take advantage of HMCA medical insurance facilities for over ten years, the longest running benefit that we have offered, which is much appreciated by them! Gordon Gordon Rainsford, Chief Executive, English Bridge Union HMCA has provided us with an excellent service, and have tailored several products to suit the needs of our organisation. We have found all products to be of a high quality and represent excellent value as a membership benefit. We find the entire HMCA team extremely professional, knowledgeable and helpful in their approach to business enquiries. I would not hesitate in recommending HMCA products and services to other professional bodies and organisations. Sharon Bruty, Head of Communications, CILEx Journal HMCA have provided a wide ranging service including medical cover to our members since 2014 at competitive prices. They are consistently both professional and friendly, we have received much positive feedback. Penny Cotton, Head of Membership, Royal Academy of Dance 2 WHY IS HMCA SO COMPETITIVE? HMCA Members was established over 40 years ago and has grown to be one of the most successful membership benefit providers in the UK. HMCA membership is also one of the most exclusive as our plans are only available to the members of trade, professional and membership groups and subscribers of select publications. Our many years of experience ensures we have a plan to suit your needs at the best possible price. Healthcare cannot be marketed like other products; it requires thoughtful planning and expert skills. Our goal is to provide the best service possible. When you call HMCA you can be assured that your call is answered in person by a member of our staff who will always be happy to help you. Whether you are making an enquiry, joining HMCA or submitting a claim, we are there for you. These are the simple reasons why the Medical Saver Plan is competitive and leads the way. OVER YEARS J M Blackmore PROVIDING SERVICES TO MEMBERSHIP GROUPS Association Secretary CONTENTS What the Associations Say About Us 2 Why is HMCA so Competitive? 3 Private Health Care is Peace of Mind 4 Why Choose The Medical Saver Plan? 5 Summary of Benefits 6 The Medical Saver Plan Checklist 7 Questions and Answers 8 & 9 Hospital Accommodation List 10 - 16 Description of Benefits 18 & 19 The Medical Saver Plan 20 & 21 Contractual Information The Personal Accident Cash Plan 22 Contractual Information Important Information 23 What Our Members Say 24 04/201893©2021 HMCA. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, electronic or mechanical or photocopied, recorded or otherwise, without prior permission of HMCA. All HMCA paper products are from a sustainable source and are recyclable. 3 promotional PRIVATE HEALTH CARE IS PEACE OF MIND No matter how fit and healthy we are, it is inevitable that at some point in our lives we will fall ill and need medical care. And when illness does strike it is to the NHS that most people will turn in seeking a diagnosis, treatment and recovery. The NHS has for some years been showing signs A private medical plan delivers prompt access to that it, too, is now not in the best of health. A hospital consultants, thus avoiding lengthy waiting growing and ageing population is putting an lists. Patients can choose from an extensive list ever-increasing strain on staff and services. A of hospitals throughout the UK. If they need to be problem exacerbated by the admitted, they will have their coronavirus pandemic. “Almost 5 million people own private room equipped with TV and telephone, and Reports of underfunding, a waiting for an appointment visiting is arranged to suit shortage of medical staff, with a hospital consultant*” patient and family. A quick, noisy and overcrowded private and convenient wards, cancelled operations service that removes many of and long waiting times will be familiar to the anxieties associated with NHS hospital stays. everyone. Furthermore, some providers have no upper age limit attached to their policies and cover can even In England, hospital waiting lists are longer than be extended to include family members. ever before, with a total waiting list of almost 5 million people.* This is the highest number since Taking control of your healthcare records began and illustrates the devastating However, those interested in taking out health impact that COVID-19 has had on the NHS. insurance should not leave it too late. As we get older our healthcare needs increase. Therefore, Quick, private and convenient as only some of the health insurance companies Understandably, these lengthy delays provide cover for pre-existing conditions, the are causing best time to invest in getting additional stress All this can be avoided private treatment for illnesses for patients, you may suffer tomorrow – is undermining by taking out today. their health and private health insurance quality of life even By acting now you can ensure further. How many people do you know your future healthcare will not be dictated by NHS whose physical health and mental bureaucracy and, just as importantly, you will be well-being has deteriorated able to benefit from the widest possible cover. from the anxiety of having to wait months for a hospital Private health insurance cannot guarantee good appointment? health, but it can ensure that when you are feeling unwell you will quickly receive the best All this can be avoided possible care, when and where you want it. The by taking out private peace of mind that comes with that knowledge health insurance. Seeing cannot be underestimated and is often the most a doctor in private important factor for people deciding to take practice used to be control of their healthcare provision and “go only for the wealthy, but private”. not anymore as the cost * The Guardian 13 May 2021 - https://www.theguardian. of private medical cover is com/society/2021/may/13/hospital-waiting-list- becoming more affordable. numbers-in-england-hit-record-high promotional WHY CHOOSE THE MEDICAL SAVER PLAN? • 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 hospital of your choice. • Any hospital on our list may be used and others with prior agreement, see pages 10-16. • Excellent benefits with substantial savings over other major plans. These are just some of the reasons why you should consider the Medical Saver Plan as your first choice for your private health cover. When you are ill you do not want any uncertainty or inconvenience, your worries can be substantial enough without added pressures. Whilst the National Health Service has a very good system for dealing with emergencies and chronic situations, the waiting list nationwide for less urgent operations continues to grow. Having to wait months, or even years, suffering discomfort and pain could have disastrous effects on your work and family life. By joining the Medical Saver Plan, these problems will be overcome. 5 promotional 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 FOR OVERNIGHT OR LONGER STAYS • Accommodation charges, ward nursing charges and ward drugs all PAID IN FULL. • A £200 a night tax-free cash benefit is available, for up to 30 nights, when NHS treatment is carried out solely as an NHS patient. This includes accident or emergency admissions. • Surgical charges for surgeons and anaesthetists combined fees, including aftercare, are dependent on the complexity of the surgery. Please refer to the Description of Benefits on pages 18 and 19. • Theatre fees, consumables, drugs and surgical dressings are dependent on the complexity of the surgery. Please refer to the Description of Benefits on pages 18 and 19. • Benefit is also payable for in-hospital treatment such as:- - Medical charges for consultant physician fees, pathology and investigations whilst in hospital. - Intensive care. - Dental care for specialist in-hospital treatment. • OVERSEAS COVER Continuation of cover when travelling abroad on holiday or business. • LONG-TERM ILLNESS GRANT All private health plans cover short term medical conditions which are curable. Long-term conditions which are not covered are those which are persistent or incurable. When a condition is first diagnosed as being long-term (and did not exist prior to enrolment), benefit will be provided for such diagnosis and any necessary treatment, under the terms of the contract, for one initial episode.