FAQs

Personal schemes: 

For benefits where you have to pay for the service received, such as dental, optical, medical specialist and therapies please send your original identifiable receipt to our office and we will arrange payment to you.

Receipts must be original (not copies), identifiable to you and in the case of handwritten or computer generated receipts they must also be signed, dated and stamped by the treatment provider.

For hospital related claims – in-patient, out-patient and day surgery – we provide claim forms which must be dated, signed and stamped by the hospital providing treatment.

With the exception of out-patient claims, for which we allow 12 months from the date of attendance, all claims must be made within three months of discharge from hospital or date of treatment received, or payment made.

Corporate schemes: 

For benefits where you have to pay for the service received, such as dental, optical, medical specialist and therapies please send your original identifiable receipt to our office and we will arrange payment to you.

Receipts must be original (not copies), identifiable to you and in the case of handwritten or computer generated receipts they must also be signed, dated and stamped by the treatment provider.

For hospital related claims – in-patient and day surgery – we provide claim forms which must be dated, signed and stamped by the hospital providing treatment.

All claims must be made within three months of discharge from hospital or date of treatment received, or payment made.

Please contact our office for a claim form as soon as you know you are going into hospital. If your admittance is unexpected either ask a relative or friend to obtain a claim form on your behalf or contact us once you are discharged from hospital.

Alternatively hospital claim forms can be downloaded from our resource centre in the main menu.

Hospital benefit is payable for treatment received at registered UK hospitals. In-patient benefit is also available for emergency in-patient admission (including partner and children if registered with us on our Personal Plan and before you travel and before you make a claim) during temporary absence abroad (on proof of admission and discharge including the dates concerned).

Medical specialist fees are payable for consultation with a medical or surgical specialist holding consultant status in an NHS or registered private hospital in the U.K.

For other benefits where you have to pay for your treatment such as dentists, opticians and therapy providers, the practitioner must be qualified and registered with the appropriate U.K. registered professional body.

If in doubt please contact our office for details of the relevant professional bodies.

All hospital benefits can only be claimed once you have been a plan member for three months, for treatment received after the initial three month period, unless as described above, there are known medical conditions, when the 12 months qualifying period applies.

There is no qualifying period if a hospital admission or attendance is required because of an accident. Hospital benefit claim forms can be downloaded from our downloads section.

Hospital benefit will be paid at the original plan benefit level for all known medical conditions for the first twelve months from upgrading. All other benefits will be available at the upgrade rates 3 months after upgrading.

In all cases please contact our customer services representatives on Freephone 0808 178 1179 before making claims under this heading as different rules apply.

Full details are contained in our terms and conditions, copies of which can be obtained from our office or via our resource centre.