SCOTTISH WIDOWS PROTECT WELCOME TO YOUR SCOTTISH WIDOWS PROTECT PLAN

Transcription

1 SCOTTISH WIDOWS PROTECT WELCOME TO YOUR SCOTTISH WIDOWS PROTECT PLAN

2 PAGE 2 YOUR POLICY DOCUMENTS PAGE 3 HOW TO MAKE CHANGES TO YOUR PLAN HOW TO MAKE A CLAIM INFORMATION ON SCOTTISH WIDOWS CARE PAGE 4 USEFUL CONTACT DETAILS 1

3 YOUR POLICY DOCUMENTS What you should have already received: A Key Features document for the cover or covers you have chosen. This will tell you all the important information you need to know and should be kept in a safe place for future reference. Application summary this should reflect the information you gave your adviser so you should check this carefully. What you ll get with this leaflet: Please read the documents listed then keep in a safe place. Approval letter this shows the terms we have offered you. Policy Schedule this is a legal document and forms the contract you have with us. It shows the specific information relating to your policy (cover amount, monthly premium etc). Policy Provisions this is also a legal document and sets out the terms and conditions of the policy. You should keep this with your Policy Schedule. For each cover you have chosen you will receive a separate pack like this. You ll also receive details of your direct debit in a separate letter. This will show you how much you ll pay and when premiums will be collected. What we ll send you in future Annual Plan Summary we ll send this every year on the anniversary of when you first applied. 2

4 A PLAN THAT CHANGES WITH YOU Our plans are designed to be flexible. You can: apply to make changes to the type of cover under your existing plan. apply to increase the amount of cover you have. decrease the amount of cover you have. apply to increase or reduce the length of time you want the cover to last. Your financial adviser will be able to talk to you about any changes you want to make to your plan. MAKING A CLAIM If you need to make a claim, please call us on one of the numbers below. For Critical Illness Cover, Terminal Illness or Premium Protection claims please call us on For the death of a loved one, please call us on Our lines are open between 9am and 5:30pm, Monday to Friday. We ll keep you advised at each stage of any claim but if you have any questions, our claims assessors will be on hand to help. SCOTTISH WIDOWS CARE All Scottish Widows Protect policies include access to RedArc. RedArc is a personal nurse advice service offering practical help and emotional support to the people covered from the day the policy starts. This service is included in the cost of the policy and there is no additional cost to you for using the service. You and your family will have access to a Personal Nurse Adviser, one of a team of highly experienced, qualified nurses with a wide range of specialised and general medical knowledge. Services include: Support on discharge from hospital - helping you to recover Second medical opinion from UK-based specialists Relevant therapies or counselling (subject to clinical need) As well as long-term support for: Serious illness Bereavement Trauma Disability Scottish Widows Protect offers RedArc services as part of the plan; they are not part of our contractual agreement with you. This service can be amended, replaced or withdrawn at any time. 3

5 HOW TO CONTACT US If you need to contact us for any reason, you can phone, send us a letter, or us. Call us Our number is: Monday to Friday 9am pm To make sure we give you the best service, we may record and monitor calls. Write to us Our address is: Scottish Widows 15 Dalkeith Road, Edinburgh EH16 5BU Or us at protect@scottishwidows.co.uk ORGAN DONATION On average three people die every day in need of an organ transplant because there just aren t enough organ donors. By adding your name to the NHS Organ Donor Register you may be able to save lives one day. To join, or to find out more, please visit: The NHS Organ Donor Register is a confidential database which legally records your decision around organ donation. Please discuss your decision to become an organ donor with your family so they can support what you want. Source: NHS, August 2017 Scottish Widows Protect policies have no cash in value at any time. If you don t pay your premiums on time your cover will stop, your benefit will end and you ll get nothing back. If the benefit amount has not been paid out by the end of the selected term, the policy will end and you ll get nothing back. 4

6 Scottish Widows Limited. Registered in England and Wales No Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number /18