Private Health Insurance For individuals and families

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1 Private Health Insurance For individuals and families

2 What is Private Medical Insurance? Private Medical Insurance (PMI) is designed to give you a choice of the level of care you receive and how, when and where it is provided. You may find that paying for treatment privately can be expensive, Private Medical Insurance is there to cover the majority, if not all of these costs for you. You won t have to worry about NHS waiting times with Private Medical Insurance as it is intended to assure you are diagnosed and treated quickly. Private Medical Insurance will sometimes also cover some drugs that are not available under the NHS.

3 Over 750 hospitals and facilities for you to choose from Here at General & Medical, we believe that it is important that you get to make the decision for where you want to be treated. Unlike a managed care approach, we give you and your doctor the flexibility to choose the right hospital for your needs, wherever that may be. Most of our Participating Hospitals provide a single private room with ensuite facilities for in-patient accommodation, together with a choice of menus, flexible visiting times and other facilities consistent with a modern private facility. This gives you timely access, privacy and the dedicated care and comfort you deserve.

4 Hospital choice We have an extensive list of facilities which we call our Participating Hospitals. Because the costs of treatment within different facilities can vary enormously, we group our Participating Hospitals into the below categories. First Choice Our First Choice Hospitals are a select group of over 300 private hospitals and clinics at locations throughout the UK, with whom we have close association. These include Spire Healthcare, Ramsay Healthcare, BMI and Nuffield facilities. If you choose our First Choice Hospitals, you will benefit from our lowest premiums Freedom Freedom Hospitals include all First Choice facilities and for a small additional premium, give members access to up to an additional 400 facilities throughout the UK which include many NHS hospitals with private facilities attached. Premium Premium Hospitals are specialist facilities, normally found in London, that due to their reputation and location are able to charge substantially more for their medical services. You can include Premium Hospitals for an additional premium.

5 Choose a cover to suit you We offer a wide range of Private Health Insurance schemes, designed to meet the needs of individuals, families and businesses as well as international clients. We have summarised the schemes below. For full details and key facts, please ask for our Personal Healthcare, Business Healthcare and International Healthcare brochures. Essentials With our Essentials range of private health cover, you will be entitled to a whole host of benefits including our 24/7 Health & Wellbeing services. If your biggest health concern is a history of cancer in your family, Essentials Plus includes access to cancer treatments and palliative care giving you the peace of mind that if you receive the worst news, you re going to get the best care. Everyday For medical insurance that gives you that little bit extra, you may want to consider our Everyday range of cover. The extra benefits from this plan include essential cover for cancer treatment, which increases for each of the first five years of your membership if you don t have to make a claim for cancer treatment. In addition, this private healthcare plan provides out-patient cover for therapies, complementary medicine and cardiovascular conditions as well as cash benefits for life and critical illnesses. Lifestyle Private health insurance plans aren t just created with an individual in mind, you can look after the health of your whole family. Our Lifestyle cover is designed to give you and your family full cover for any in-patient admissions, enhanced cancer treatment and out-patient benefits. Other benefits included in the Lifestyle health insurance package include home nursing, heart condition treatment and the flexibility of a GP Advice Line 24 hours a day. Elite Elite cover is our highest level of personal medical insurance, including cover for dentistry, optical services, GP visits and palliative care for cancer patients. If you re looking to use your health insurance to cover you for absolutely everything, the Elite range is your best option. Not only is your health covered, but the Elite package looks after maternity services and the costs of boarding your beloved pets too.

6 Only pay for one child If you take out one of our policies and you want to cover your children, you will only have to pay for the first child on cover. All of your other children will be covered for free up to their 21 st birthday, or their 26 th birthday if they remain in full time education.* * Excludes where pre-existing conditions cover has been selected. Any child selected for the pre-existing condition upgrade will be charged at our full child rate plus the upgrade supplement.

7 Your Policy, Your Way You can choose how you want your policy to be underwritten, find out about our most popular underwriting options below. You can contact us or visit our website for more information. Full Medical Underwriting This means we ask you to complete a medical declaration about your past health. This declaration will be reviewed by our underwriters who will then decide if there are any medical conditions that will not be covered, these exclusions will be shown on your Certificate of Cover. Anything not stated on your Certificate will be covered, within the terms and conditions of your policy. Moratorium This means any medical problems you have experienced or had symptoms, medication, treatment, diagnostic tests or advice relating to, at any time in the five years prior to the start date of your policy will not be covered. We may agree to cover your pre-existing condition again providing there have been no symptoms, medication, diagnostic tests, treatment or advice relating to that condition within the two consecutive years from your policy start date.

8 Ways to Enhance your Cover We have a variety of optional benefits that you can apply to your policy. Pre-existing conditions cover When you apply for cover, you have the option to cover treatment relating to up to two pre-existing conditions. You can choose from the following list of defined conditions: Acne Asthma Diabetes Eczema Glaucoma Hypertension Psoriasis Arthritis Carpal Tunnel Syndrome Crohn s Disease Fibrocystic Breast Disease Gastro-Oesophageal Reflux Disease Ulcerative Colitis Varicose Veins In-patient Psychiatric Treatment This option gives you cover for both in-patient and day-patient treatment if you are diagnosed with a psychiatric condition. There is a maximum limit of 35 days or 20,000 per membership year. Worldwide Travel Insurance Adding our Worldwide Travel Insurance gives you and your family the peace of mind of medical benefits and repatriation from any country worldwide, wherever you may be. Cover is provided for an unlimited number of trips within any 12 month period. Other benefits included are: Cover for winter sports Generous cover for personal possessions Cover for cancellation or curtailment of trips Cover for up to 120 daysmaximum per trip Personal Liability and Personal Accident cover For a small additional premium, you can also upgrade your cover to include scuba diving.

9 Add an excess to save money You can add an excess from 75 to At the start of the policy, you choose whether the excess applies once per policy year or to each claim. If you choose an excess per policy year and your treatment for an eligible claim carries on into the next policy year, another excess will apply. Remember - the higher the excess, the lower your premium. For example, even an excess of 250 per claim could reduce your premium by over 20%!

10 A first class service delivered to you Upon joining General & Medical Healthcare you will be assigned a named Health & Care Support Specialist who will provide ongoing personal assistance, with any aspect of membership and will be on hand to provide you with help and support whenever you may need it. All of our Health & Care Support Specialists have to undergo comprehensive training in medical claims handling and terminology so they are fully equipped to answer any questions and help memberswith claims.

11 Secure Login Area The secure login area enables you to manage your scheme remotely and securely. Once you have logged in you will be able to view all of your policy details as well as renewal and claims information. You can also recommend a friend for a chance to receive M&S vouchers and request to make a claim.

12 Free 24/7 Health & Wellbeing support All of our policies come free with 24 hour Health & Wellbeing support, this includes: Access to 24 hour telephone counselling with a fully trained and qualified counsellor. This can be with the same counsellor and is convenient as it reduces the need for travel and will fit in with work or other commitments. You may also be given access to face to face counselling as applicable. There are links to medical information to provide access to a wealth of information for those of you who may be suffering from a medical condition or just need help and support emotionally. Online Cognitive Behavioural Therapy (CBT) is recommended by the National Institute for Clinical Excellence (NICE) as the most effective therapy for stress. All General & Medical members will have access to CBT self-help modules which help to deal with a wide range of issues. Legal, financial, family and relationship articles that provide insight on a variety of topics and can help you with any issues you may have. Our online Health and Wellbeing support also includes free mini health checks. Find out if you are drinking wisely, if you re fatigued, what your BMI is and more. If you feel like you may have a problem but aren t sure then taking a health check could tell you whether you are recommended to seek further help. You can also complete an online Health Risk Assessment (HRA) which will ask you about your health conditions, family history and addressable lifestyle factors. Once you have completed the HRA you will be provided with a personalised indepth interactive report about your health and wellbeing which includes valuable information such as what risk you are of developing certain diseases and cancers and what you can do to lower those risks. You can also set goals, plan targets and track your progress through your own personal goal planner. Access to 4 week programmes online that can help you to lose weight, sleep better, quit smoking, drink less caffeine and much more. So if you need some assistance to try and help you cut down on something or change your lifestyle then the programmes are there for you.

13 Live Healthy Our Live Healthy section of our website gives you access to a variety of health related articles on various different topics, including Holiday Health Hazards, Allergy Awareness, Men s Health and many more. The articles are designed to provide you with guidance, recipes, information, hints and tips to help you live a healthier, happier lifestyle.

14 Testimonials I ve been with General & Medical for nearly two years now, having previously been with another insurer. I have never received such first rate service. Not only are the customer relations team efficient and personable, but you nearly always deal with the same people, which greatly enhances the service as questions are understood and explained within the context of an ongoing claim. On more than one occasion they have considered my personal circumstances and each time it has greatly helped with my treatment. I can honestly say it feels like the first step in my treatment and path to recovery is not with the practitioners, but instead begins with a phone call to General & Medical. I want to thank General & Medical very much for all the help you have given me over my two new knees. The support I have had from your staff has been superb and I feel that you should know how good they have been. So very many thanks to General & Medical for such wonderful support and I am happy to be quoted on that!

15 Your questions answered How can I pay my premium? You have a choice of how you can pay for your policy; Monthly by direct debit which is secure and an easy way to spread the cost over the year and there are no additional charges to pay on top of your premium. Annually by direct debit, debit/credit card, BACS or cheque. Are there any age limits? You may join a General & Medical scheme as an individual from the age of 16 up to your 75th birthday. Once covered there is no upper age limit. Children under the age of 16 must be added to an adults policy. Children are classed as a child up to their 21st birthday, or their 26th birthday if they remain in full time education. Proof of full time education must be provided. How do I make a claim on my Private Health Insurance policy? You should contact your Health & Care Support Specialist before you see your consultant so that we can confirm your cover. Your Health & Care Support Specialist will be able to guide you through the process of claiming and let you know what is and is not covered. Will my premium go up at renewal? We review your premiums annually to reflect the overall cost of claims and medical inflation. Our schemes are priced using age bands, reflecting that people are more likely to claim as they get older. This means that you could see an age-related increase in your premium in addition to our general review. Your premium can be influenced by other factors such as the availability of new treatments, medical technologies and any claims made on your scheme.

16 Contact us If would like to find out more information about our Private Medical Insurance or would like a quote, then contact us using the details below. Alternatively visit General & Medical House Napier Place Peterborough Cambridgeshire PE2 6XN United Kingdom sales@generalandmedical.com or

17 2017 General & Medical Finance Ltd General & Medical Healthcare are a division of General & Medical Finance Ltd - Registered in England No Registered Office: General & Medical House, Napier Place, Peterborough, PE2 6XN. General & Medical Finance Ltd are authorised and regulated by the Financial Conduct Authority (FCA). Our firm reference number is and this may be checked at