Cashback on your everyday healthcare expenses from only 1.60 a week

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1 Up to 250 optical cashback on your everyday healthcare expenses from only 1.60 a week Up to 300 dental cashback

2 We can t predict the future but we can prepare for it. Medicash Active Benefits Medicash Active spreads the cost of your healthcare expenses, helping you to manage both the expected and unexpected costs of treatment, whenever they arise. We aim to ensure that you re always prepared for your everyday health costs such as optical and dental care. Yet with our range of cover, your policy can help with much more than just routine costs, in the same way as we ve been doing since We re there for unexpected hospital stays, daycase admissions and even the exciting birth of your new baby. Pay for your treatment costs, then claim the money back (up to set limits) for: Optical costs Dental costs Consultations & Diagnostic Tests Therapy treatments Health Screens * Prescriptions & Flu Jabs * Cash payouts Cash payouts to provide additional support when you need it most: Multi-night inpatient stays Daycase appointments Birth or adoption of a child Personal Accident cover Medicash Extras retail discount scheme Medicash Active Plans Health & Wellbeing Access to a premium range of health and wellbeing benefits: Best Doctors * Doctors Online * Discounted Gym Membership 24hr Health & Stress Helplines With you can claim of your bill We even offer premium benefits such as Best Doctors and access to Health Screening to keep you in the best of health. Our complementary and alternative therapy cover offers cashback on treatments ranging from physiotherapy to homeopathy and the best part? There s no GP referral necessary. There s no medical required to sign up. Plus, you ll pay a flat rate no matter what your age and up to 4 children (up to the age of 19) can be covered absolutely free. Simple & Affordable Never be caught off guard financially by your health, with our easy to use cover from as little as 1.60 per week. We reimburse the full cost of your treatment as long as the amount falls within your plan s annual limits. Award Winning We ve won awards for our affordable, fast and friendly customer service, so you can rest assured that your health is in safe hands. Free for children Up to four dependent children in full time education (up to the age of 19) can be covered on your policy. Medicash Extras Save even more money with our exclusive retail offers and instant online discounts. * Available on plans Silver and above

3 Choose the plan that suits you best Decide whether 1 you need a Solo 2 Select your plan level. 3 or Dual plan. Fill out the enclosed form to join today. All receipts are paid at, up to annual limits. Bronze Silver Gold Platinum Platinum Plus Solo Plan Cover for you and up to 4 dependent children per month Better care doesn t have to come at a cost Hospital Inpatient per night per adult up to 20 nights per annum, excludes first night and single night stays per child Hospital Daycase per visit per adult up to 10 days per annum per child Birth or Adoption of a Child per baby Even better benefits Discounted Gym Membership at over 2,300 gyms nationwide Health and Stress Related Helplines Best Doctors InterConsultation & Doctor Online Medicash Extras online discount scheme Peace of mind for the worst case scenario per week Dual Plan Cover for you, your partner and up to 4 dependent children per month per week Child Cover FREE FREE FREE FREE FREE Covering the everyday essentials Optical yearly maximums per adult covering eye tests, glasses, contact lenses and laser eye surgery per child Routine Dental * yearly maximums per adult including check-ups, hygienist fees, fillings, crowns and bridges per child Specialist Consultation & Diagnostic Tests yearly maximums per adult access to quicker consultations and CT, MRI and PET scans per child Complementary Therapies yearly maximums per adult covering physiotherapy, acupuncture, osteopathy, and chiropractic treatment per child Alternative Therapies yearly maximums per adult including homeopathy, reflexology, Bowen & Alexander technique, Indian head massage, reiki and hypnotherapy as part of a treatment plan per child Prescriptions, Inoculations & Flu Jabs yearly maximums per adult Chiropody yearly maximums per adult Health Screening yearly maximums per adult Personal Accident Cover maximum sum covered per adult 10,000 15,000 24,000 36,000 45,000 per child 8,000 12,500 20,000 30,000 37,500 of receipts paid up to annual maximum Some health cash plans only pay a portion of your bill. Medicash Active s fast claims payment reimburses the full cost of your treatment, as long as the amount falls within your plan s annual limits. Children covered FREE * Half of the annual limit can be claimed towards dental care plan fees. Dependent children are covered if under the age of 16 or 19 if in full time education. We will pay up to a maximum of 20 nights inpatient stay in any three year consecutive benefit period where you have been hospitalised for the same condition. This will not affect your right to claim for inpatient stays related to other conditions. The quoted premium rates are the total cost for cover and are inclusive of Insurance Premium Tax (IPT) at the current rate. Should the rate of IPT change Medicash reserves the right to pass this on subject to prior notification. There are waiting periods for some benefits. Full terms and conditions are available on request.

4 How does the Medicash claims process work? Simple CLAIMS process 3 We ll pay the claim directly into your back account. up to annual maximum 1 Request a receipt when you pay for your treatment. 2 Submit your claim to Medicash. We pay cashback Some health cash plans only pay a portion of your bill. Medicash Active s fast claims payment reimburses the full cost of your treatment, as long as the amount falls within your plan s annual limits. Money spent with when paid at 50% by some providers Save 100 s each year with Medicash Extras There are many ways of saving with Medicash Extras, with exclusive offers and money off on everything from holidays and beauty treatments to your favourite high street retailers. On average users save 250 each year, so let us show you how you too could be saving hundreds of pounds on the things you re already buying Get instant online discounts... Whether you are looking for a gift, going to see the latest blockbuster or simply booking a short getaway, you could be saving by using Medicash Extras to access instant online discounts at a wide range of retailers. Save even more with WOWPoints WOWpoints are the easy way to earn online currency every time you shop through Medicash Extras. Every WOWPoint you earn is worth 1p, so 100 WOWPoints = 1. Points can be redeemed against other purchases or even paid as cash directly into your bank account. To find out more simply go to Save with our reloadable shopping cards... Our shopping cards are a great way to make everyday savings and a perfect gift idea. Receive up to 15% discount in your favourite stores simply by using these prepaid shopping cards. Plus, once you ve used your prepaid allowance they can be quickly and easily topped-up online ready for your next visit. 65 weekly shop Sainsbury s - Shopping Card 3,380 per year - 5% off 300 Weekend hotel break Expedia x 5 WOW Points 2 Cinema Tickets-Usually with Medicash Extras + 11 WOWPoints Mobile phone with Vodafone 12 months sim only contract 5,500 WOWPoints Total saving Example savings correct as at Retailers can add, remove or amend their offers at any time p

5 Best Doctors The Best Doctors InterConsultation service offers you access to world-class diagnostic second opinions, which has been shown to speed up recovery times. Giving you access to 53,000 of the worlds top doctors Feeling nervous about a diagnosis given to you, your partner or dependent child? Best Doctors offers you a second medical opinion from a world leading consultant, all without having to leave your home. The service gives you 24/7 access to the knowledge of over 53,000 world renowned consultants, providing you with peace of mind and an alternative assessment from the best medical minds. Best doctors will provide you with a report that can be taken to your treating doctor, in order to determine the best line of treatment. Why people use Best Doctors 35% Symptoms aren t improving 24% Need help deciding on a treatment plan 20% Question the need for surgery 10% Sceptical of their doctor s recommendations 7% Don t understand diagnosis 4% Don t have a diagnosis For more information head to Your questions answered Who can apply? Anyone from 16 to 65 years old. No medical is needed and your premiums will not increase because of your age. To apply simply complete the application form attached and return it to us. How do I pay? You can pay direct from your salary through payroll deduction or via Direct Debit. Either way your policy will continue on a monthly basis provided you pay your premiums when due. When will my policy start? For Direct Debit customers your policy will start from the day after we receive your application to join. For Payroll deduction your policy will start from the 1st of the following month from the date that Medicash receives your application. Occasionally, due to how your payroll is processed, this may not be the case. Please speak to your Medicash representative or payroll department if you have any questions regarding this. When can I claim? You can claim straight away for most benefits from the date shown on your Policy Schedule. Some exclusions apply, please see What s not covered? for more details. Please note, for Direct Debit customers Medicash will not release payment for any claims until your first premium has been received. Can I increase my cover? Yes, and you will be able to claim at the higher rates straight away for most benefits. Please note, if you elect to change your level of cover we will take account of your previous claims when we calculate your revised allowances for the remainder of the benefit period. Some exclusions apply, please see What s not covered?. What s not covered? Benefit is not payable in respect of any pre-existing condition for inpatient, hospital daycase or the birth of a child benefits within 12 months from your plan start date; or will be paid at the lower rate for any claims relating to the 12 month period following an amendment to your level of cover. Benefit may also not be claimed if treatment is needed as a result of participation in dangerous sports or through self-inflicted injury. Is my family covered? Our Solo Plan covers you plus up to four dependent children up to the age of 16, or 19 if in full time education. If you also wish to cover your partner you will need to select our Dual Plan. Both plans are available in a range of levels and include cover for children free. Is there a time limit on claims? Yes, claims must be made within 26 weeks of the date that treatment was received or you were discharged from hospital, otherwise we will not accept liability to pay such claims. What if I want to cancel? You can cancel your Medicash plan at any time. If it s less than thirty days since you joined and provided you have not made a claim, we ll refund your first month s payment. What if I have a complaint? We hope you ll always be happy with the service you receive from Medicash, but if you do have a complaint, you can talk directly to our Customer Service Team who ll handle everything on your behalf. Too good to be true? Medicash has been helping with the health of the nation since The Direct Debit Guarantee THIS GUARANTEE SHOULD BE RETAINED BY THE PAYER This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits If there are any changes to the amount, date or frequency of your Direct Debit, Medicash Health Benefits Ltd will notify you 5 working days in advance of your account being debited or as otherwise agreed. If you request Medicash Health Benefits Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request If an error is made in the payment of your Direct Debit, by Medicash Health Benefits Ltd or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society - If you receive a refund you are not entitled to, you must pay it back when Medicash asks you to You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.

6 You re in good hands Investor in Customers Investor in Customers is an independent organisation which takes an in-depth look at customer service and the strength of our customer relationships. Medicash were awarded the highest accolade. We are the only health cash plan to achieve this level of accreditation. WSB Awards Winner The Workplace Savings and Benefits Awards recognise both employer and provider excellence. The awards are designed to reward healthcare providers who deliver the highest level of performance and service. Medicash were awarded Healthcare and Wellbeing Provider of the Year. To join complete and return the application form One Derby Square, Liverpool, L2 1AB T: Telephone calls may be recorded or monitored for training purposes. This insurance is provided by Medicash Health Benefits Limited, a company limited by guarantee and registered in England (Number: ). Medicash is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. Personal Accident cover is provided through an arrangement with Chubb Insurance Company of Europe SE. This policy is governed by English law and the English courts shall have jurisdiction in any legal proceedings. All communication will be in English. MED1001/JAN16

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