THE MEDICALSAVER PLAN

PRIVATE MEDICAL COVER FOROVERNIGHT & LONGER STAYS IN HOSPITAL

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This brochure includes promotional and contractual information

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.

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PROMOTIONAL

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.

Paula Williams, 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

CONTENTSWhat 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

04/167168©2020 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.

YEARS

OVER

PROVIDING SERVICES TO MEMBERSHIP GROUPS

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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.

J M Blackmore Association Secretary

WHY IS HMCA SO COMPETITIVE?

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 that it, too, is now not in the best of health. A growing and ageing population is putting an ever-increasing strain on staff and services.

Reports of underfunding, a shortage of medical staff, n o i s y a n d o v e rc ro w d e d wards, cancelled operations and long waiting times will be familiar to everyone.

According to official figures there are 4.2 million people waiting for an appointment with a hospital consultant*. NHS England says the maximum waiting time for this type of hospital referral should be 18 weeks, but a growing number of health authorities are failing to meet this target.

Quick, private and convenient Understandably, these lengthy delays

a r e c a u s i n g additional stress f o r p a t i e n t s , u n d e r m i n i n g

their health and quality of life even

further. How many people do you know whose physical health and mental

well-being has deteriorated from the anxiety of having to

wait months for a hospital appointment?

All this can be avoided by taking out private health

i n s u r a n c e . S e e i n g a doctor in private practice used to be only for the

wealthy, but not anymore a s t h e co s t o f p r i v a t e

medical cover is becoming more affordable.

A private medical plan delivers prompt access to hospital consultants, thus avoiding lengthy waiting lists. Patients can choose from an extensive list of hospitals throughout the UK. If they need to be

admitted, they will have their own private room equipped with TV and telephone, and visiting is arranged to suit patient and family. A quick, p r i v a t e a n d c o n v e n i e n t service that removes many of

the anxieties associated with NHS hospital stays. Furthermore, some providers have no upper age limit attached to their policies and cover can even be extended to include family members.

Taking control of your healthcareHowever, those interested in taking out health insurance should not leave it too late. As we get older our healthcare needs increase. Therefore, as only some of the health insurance companies

provide cover for pre-existing condit ions, the best t ime to invest in getting private treatment for illnesses you may suffer tomorrow – is today.

By acting now you can ensure your future healthcare will not be dictated by NHS bureaucracy and, just as importantly, you will be able to benefit from the widest possible cover.

Private health insurance cannot guarantee good health, but it can ensure that when you are feeling unwell you will quickly receive the best possible care, when and where you want it. The peace of mind that comes with that knowledge cannot be underestimated and is often the most important factor for people deciding to take control of their healthcare provision and “go private”.*The King’s Fund - How is the NHS Performing? June 2018 Quarterly Report.

“4.2 million people waiting for an appointment with a

hospital consultant*”

All this can be avoidedby taking out

private health insurance

PROMOTIONAL

PROMOTIONAL

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WHY CHOOSE THEMEDICAL 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.

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PROMOTIONAL

SUMMARY OF BENEFITSThe 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 FULLy rEFUNDED.• A £200 a night tax-free cash benefit is available, for up to 30 nights, when all treatment is

carried out as a National Health patient in a public ward of an NHS Hospital.• Surgical charges for surgeons’ and anaesthetists’ combined fees including after care,

dependent on the complexity of the surgery.• Theatre fees, consumables, drugs and surgical dressings are refunded dependent on the

complexity of the surgery.• 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. As private health cover was never intended to replace the NHS but meant to complement the service, all subsequent treatment will be given by the NHS. HMCA does provide, however, a £1,000 LoNg-TErM ILLNESS grANT that can be used at the discretion of HMCA to help in the transition to NHS care.

• MATERNITY GRANT When both parents are members, HMCA will authorise payment of £800 for each birth.

• SPECIAL GUARANTEED TRANSFER FACILITY Cover can be transferred from an existing medical plan and future claims made for acute

conditions originating at the time the member was participating in a previous plan, will be honoured.

• MONEY-BACk GUARANTEE If not satisfied you may return the Medical Saver Plan within fourteen days for a full refund.

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THE MEDICAL SAVER PLAN CHECKLIST

You could compare the Medical Saver Plan with other plans by using this checklist.

NO MEDICAL ExAMINATION No medical examination is required when

you join.

NO AGE RESTRICTIONS You can join at any age.

CHOICE OF COUNTRYWIDE HOSPITALS You have the choice of over 500 hospitals on

our list and others with prior arrangement.

OVERSEAS AND SPORTS COVER INCLUDED Cover continues when you travel abroad

on holiday or business and is included at no extra cost, whereas most other plans may reduce benefits or ask for increased subscriptions, or indeed offer no cover at all.

INITIAL CONSULTATION you will be covered for an initial specialist’s

consultation.

A PROMPT AND PERSONAL CLAIMS SERVICE IS PROVIDED

our UK based claims team offer a personal service and provide prompt settlement.

NHS HOSPITAL CASH BENEFIT A £200 a night tax-free cash benefit is

available, for up to 30 nights, if treatment is wholly in an NHS Hospital, to spend as you wish.

DENTAL TREATMENT In-hospital surgical treatment is included.

ExCESS OR DEDUCTIBLE This is available. For more details ring

01423 799949.

LONG-TERM ILLNESS GRANT After enrolment, a member receiving

treatment that ceases to be short-term qualifies for a grant of up to £1,000. This benefit can be given at the discretion of HMCA.

SPECIALIST Freedom of Choice.

SPECIAL GUARANTEED TRANSFER FACILITY Cover can be transferred from an existing

plan and future claims made for acute conditions originating at the time you were participating in a previous plan, will be honoured.

PROMOTIONAL

QUESTIONS & ANSWER

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Q. Do you pay my surgeon or hospital directly if I claim?

A. Yes. We are happy to pay your surgeon or hospital on your behalf or we can reimburse you.

Q. May I choose the hospital which treats me? A. Yes. There are no restrictions, you can use any

of the hospitals detailed on our comprehensive list, see pages 10-16. If your preferred hospital is not listed please contact our Helpline.

Q. Can you explain the benefit levels in the Description of Benefits?

A. Charges for in-patient accommodation, ward drugs and nursing charges are covered in full. Other benefits are based on the type of treatment received and the complexity of any operations carried out. The complexity of all operations is advised by the specialist carrying out your treatment. Our benefits are based on our experience of the likely costs involved and we apply limits to protect against over-charging which would have the effect of increasing claims costs and our members’ subscriptions.

Q. Am I covered for sporting injuries?A. Yes. Benefits are payable however some

hazardous pursuits are excluded from the Personal Accident Benefit as described on page 22.

Q. Do you have restrictive clauses relating to the NHS waiting lists?

A. No. We do not have restrictive clauses relating to the NHS waiting lists.

Q. May I transfer from my plan to your Medical Saver Plan?

A. Yes. If you are in a medical plan you can transfer to the Medical Saver Plan.

Q. Is the offer to join the Medical Saver Plan dependent upon my remaining a member of my sponsoring association?

A. You must be a member of your sponsoring association when joining the Medical Saver Plan. After enrolment you become a Member of HMCA.

Q. Is the scope of the Medical Saver Plan wider than many others?

A. As wel l as prov id ing comprehensive in-hospital benefits for treatment of acute

medical conditions, the Plan has a number of very important extra features which extend the scope:l We include treatment for injuries sustained

whilst playing sport.l Cover continues whilst you are abroad on

holiday or business for up to six months, at no extra cost.

Q. Are your terms similar to those in my present plan?

A. The benefits are summarised on page 6 entitled “Summary of Benefits”, and the “Description of Benefits” is in the contractual information on pages 18 to 19. These may differ from your current plan.

Q. I have no existing private medical cover, can I join?

A. Yes, you can jo in and after one ful l year’s membership providing you have been treatment and symptom free for

12 consecutive months, any pre-existing medical condition that occurred prior to joining us will be covered.

Here is a list of the questions most frequently asked by members of trade and professional groups on the subject of private medical cover provided by the Medical Saver Plan. If you have any additional questions please telephone our Helpline on 01423 799949.

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Q. What is the maximum age at which I may join the Medical Saver Plan or transfer from another plan?

A. There is no age limit when joining HMCA.

Q. Who do I speak to when I want to make a claim?A. our UK based claims team who offer a personal

service and provide prompt settlement.

Q. What is Insurance Premium Tax (IPT)?A. IPT is a tax on general insurance, for example

motor, household and medical cover, levied by the government.

Q. Am I covered when travelling overseas?A. Yes. Cover continues when you travel abroad on

holiday or business at no extra cost.

Q. Does the Medical Saver Plan have an excess or deductible, such as the first £500 of a claim being paid by the Member?

A. No. We believe that our members should have cover from the commencement of any treatment covered under the Medical Saver Plan. However, excesses are available if you want to reduce your subscription. Please ring 01423 799949 for more details.

Q. What happens if I am admitted to an NHS hospital?

A. If you choose to have all your treatment solely through the NHS you will receive £200 a night spent in hospital, for up to 30 nights. Of course, this is tax-free cash which you keep to spend as you wish.

PROMOTIONAL

If you wish to discuss your healthcare requirements or the Medical Saver Plan, please call our helpline on 01423 799949

HoSPITAL ACCoMMoDATIoN LISTYou can use any hospital on this list, over 500 are available...

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PROMOTIONAL

ENGLAND BEDFORDSHIRE Bedford BMI Manor Hospital Bedford Bedford General Hospital Luton Luton & Dunstable University Hospital BERKSHIRE Ascot Heatherwood Hospital Reading Circle Reading Hospital Reading Spire Dunedin Hospital Reading Royal Berkshire Hospital Reading Berkshire Independent Hospital Slough Wexham Park Hospital Slough Spire Thames Valley Hospital Windsor King Edward VII Hospital Windsor BMI Princess Margaret Hospital BRISTOL Bristol Spire Bristol ‘glen’ Hospital Bristol Nuffield Hospital Bristol Bristol Bristol Eye Hospital Bristol Frenchay Hospital Bristol Bristol royal Infirmary Bristol St Michael’s Hospital Bristol Southmead Hospital BUCKINGHAMSHIRE Amersham Amersham Hospital Aylesbury Stoke Mandeville Hospital Gerrards Cross Chalfont & Gerrards Cross Hospital Great Missenden BMI The Chiltern Hospital High Wycombe BMI Shelburne Hospital High Wycombe Wycombe Hospital Milton Keynes BMI Saxon Clinic Milton Keynes Milton Keynes general Hospital Princes Risborough BMI The Paddocks Clinic CAMBRIDGESHIRE Cambridge Addenbrookes Hospital Cambridge Spire Cambridge Lea Hospital Cambridge Nuffield Hospital Cambridge Cambridge Royal Papworth Hospital Cambridge Cambridge Heart Clinic Huntingdon Hinchingbrooke HospitalHuntingdon Cromwell Clinic Peterborough Peterborough City Hospital Peterborough Fitzwilliam Hospital Wisbech North Cambridgeshire Hospital CHESHIRE Altrincham Althrincham General Hospital Cheadle BMI Alexandra Hospital Chester Countess of Chester Hospital

Chester Nuffield Hospital grosvenor Crewe Leighton Hospital Macclesfield Macclesfield District general Hospital Macclesfield Spire regency Hospital Runcorn Halton General Hospital Warrington Warrington Hospital Warrington Spire Cheshire Hospital CORNWALL Falmouth Falmouth Hospital Hayle St Michael’s Hospital Penzance West Cornwall Hospital Truro Duchy Hospital Truro Royal Cornwall Hospital CUMBRIA Barrow-in-Furness Furness Hospital Carlisle Cumberland Infirmary Kendal Westmorland general Hospital Whitehaven West Cumberland Hospital DERBYSHIRE Buxton Buxton Hospital Derby Nuffield Hospital Derby Chesterfield royal Derby Hospital DEVON Barnstaple North Devon District Hospital Exeter Nuffield Hospital Exeter Exeter Royal Devon & Exeter Hospital Exmouth Exmouth Hospital Ilfracombe Ilfracombe Tyrrell Hospital Newton Abbott Newton Abbott Hospital Plymouth Derriford Hospital Plymouth Mount Gould Hospital Plymouth Nuffield Hospital Plymouth Plymouth royal Eye Infirmary Sidmouth Victoria Hospital Tavistock Tavistock Hospital Teignmouth Teighnmouth Hospital Tiverton Tiverton & District Hospital Torquay Mount Stuart Hospital Torquay Torbay Hospital DORSET Bournemouth Christchurch Hospital Bournemouth Nuffield Hospital Bournemouth Bournemouth Royal Bournemouth Hospital Dorchester BMI Winterbourne Hospital Dorchester Dorset County Hospital Poole BMI Harbour Hospital Sherborne Yeatman Hospital

When we issue a claim form, we will send you an up to date list

DURHAM Bishop Auckland Bishop Auckland Hospital Chester Le Street Chester Le Street Hospital Darlington Darlington Memorial Hospital Darlington BMI Woodlands Durham University Hospital of North Durham Hartlepool University Hospital of Hartlepool Shotley Bridge Shotley Bridge Hospital Stockton-on-Tees Nuffield Hospital Tees Stockton-on-Tees University Hospital of North Tees ESSEx Basildon Basildon University Hospital Basildon Orwell Private Cardiothoracic Unit Brentwood Nuffield Hospital Brentwood Brentwood Spire Hartswood Hospital Buckhurst Hill Holly House Hospital Chelmsford Baddow Hospital Chelmsford Broomfield Hospital Chelmsford Springfield Hospital Clacton-on-Sea Clacton & District Hospital Colchester Oaks Hospital Colchester Essex County Hospital Colchester Colchester General Hospital Epping St Margaret’s Hospital Grays Orsett Hospital Harlow Princess Alexandra Hospital Havering Queens’ Hospital Illford King george Hospital Maldon St Peter’s Hospital Redbridge Spire London East Hospital Southend-on-Sea Southend Hospital Southend-on-Sea Spire Wellesley Hospital Southend-on-Sea BMI Southend Private Hospital GLOUCESTERSHIRE Cheltenham Cheltenham General Hospital Cheltenham Nuffield Hospital Cheltenham Gloucester Gloucester Royal Hospital gloucester Winfield Hospital Stroud Stroud General Hospital HAMPSHIRE Basingstoke Basingstoke & North Hampshire

Hospital Basingstoke BMI Hampshire Clinic Eastleigh Nuffield Health Wessex Hospital Havant Spire Portsmouth Hospital Lymington New Forest Hospital Portsmouth Queen Alexandra Hospital Portsmouth St Mary’s NHS Treatment Centre Southampton Spire Southampton Hospital Southampton Southampton General Hospital Southampton Princess Anne Hospital Southampton Royal South Hants Hospital Winchester Royal Hampshire County Hospital Winchester BMI Sarum Road Hospital HEREFORDSHIRE Hereford Hereford County Hospital Hereford Nuffield Hospital Hereford

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When we issue a claim form, we will send you an up to date list 11

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National Trust reader

HERTFORDSHIREBishops Stortford Herts & Essex General Hospital Harpenden Spire Harpenden Hospital Hatfield one Hatfield Hospital Hemel Hempstead Hemel Hempstead Hospital Hertford Hertford County Hospital Hitchin Pinehill Hospital Sawbridgeworth Rivers Hospital St Albans St Albans City Hospital Stevenage Lister Hospital Watford Spire Bushey Hospital Watford Watford General Hospital Welwyn Garden City Queen Elizabeth II Hospital ISLE OF WIGHT Newport St Mary’s Hospital KENT Ashford One Ashford Hospital Ashford William Harvey Hospital Beckenham BMI Sloane Hospital Benenden Benenden Hospital Canterbury BMI Chaucer Hospital Canterbury Kent & Canterbury Hospital Chatham Spire Alexandra Hospital Dartford Darent Valley Hospital Deal Victoria Hospital Dover Buckland Hospital Folkestone Royal Victoria Hospital Gillingham Medway Maritime Hospital Herne Bay Queen Victoria Memorial Hospital Longfield BMI Fawkham Manor Hospital Maidstone Maidstone Hospital Maidstone Maidstone KIMS Margate Queen Elizabeth the Queen Mother

HospitalMargate Spencer Private Hospital orpington BMI Chelsfield Park Hospital Sevenoaks Sevenoaks Hospital Sidcup Queen Mary’s Hospital Tunbridge Wells Tunbridge Wells Hospital Tunbridge Wells Nuffield Hospital Tunbridge Wells Tunbridge Wells Spire Tunbridge Wells Hospital

LANCASHIRE Blackburn BMI Beardwood Hospital Blackburn Royal Blackburn Hospital Blackpool Spire Fylde Coast Hospital Blackpool Victoria Hospital Bolton BMI Beaumont Hospital Bolton Royal Bolton Hospital Burnley Burnley General Hospital Chorley Euxton Hall Hospital Gisburne BMI Gisburne Park Hospital Lancaster BMI Lancaster Hospital Ormskirk Ormskirk & District General Hospital Ormskirk Renacres Hospital Preston Fulwood Hall Hospital Preston Royal Preston Hospital LEICESTERSHIRE Hinckley Hinckley & District Hospital Leicester glenfield Hospital Leicester Leicester General Hospital Leicester Nuffield Hospital Leicester Leicester Leicester royal Infirmary Oadby Spire Leicester Hospital LINCOLNSHIRE Boston Boston West Hospital Boston Pilgrim Hospital Grantham Grantham & District Hospital grimsby St Hugh’s Hospital Grimsby Diana Princess of Wales Hospital Lincoln BMI Lincoln Hospital Lincoln Lincoln County Hospital Louth County Hospital Stamford Stamford & Rutland Hospital GREATER LONDON Ashford Ashford Hospital Barnet Barnet Hospital Carshalton St Helier Hospital Enfield Chase Farm Hospital Enfield BMI Kings oak Hospital Enfield BMI The Cavell Hospital Harefield Harefield Hospital

It is now 5 months since I had my Hip Replacement operation and I am just writing to say thank you for my being able to get it replaced so speedily. I am now and for the last 3 or 4 months able to walk long distances again after being unable to properly for a good couple of years. I am now going to the Gym twice a week and swimming twice a week, both of which I have been unable to do again for 2 or 3 years successfully. I am now totally pain free and I am aiming to get back on the Golf Course around April time. Once again thank you for your prompt action and assistance in helping me enjoy my life again.

Mr Goodsell, Sussex, February 2019”

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When we issue a claim form, we will send you an up to date list

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Harrow Northwick Park Hospital Harrow BMI Clementine Churchill Hospital Harrow St Mark’s Hospital Isleworth West Middlesex University Hospital Kingston upon Thames Kingston Hospital Kingston upon Thames New Victoria Hospital Northwood BMI Bishops Wood Hospital Northwood Mount Vernon Hospital Southall Ealing Hospital Stanmore royal National orthopaedic Hospital Uxbridge Hillingdon Hospital LONDON (Postal Area) SE3 BMI Blackheath Hospital SW3 Royal Brompton Hospital SW10 Chelsea & Westminster Hospital W6 Charing Cross Hospital NW4 BMI Hendon Hospital WC1N royal London Hospital for Integrated

Medicine WC1 Great Ormond Street Hospital SE1 guy’s Hospital W12 Hammersmith Hospital W12 Queen Charlotte’s & Chelsea Hospital N6 Highgate Hospital WC1E Hospital for Tropical Diseases NW8 Hospital of St John & St Elizabeth NW8 British Hernia Centre W1g King Edward VII Hospital SE5 King’s College Hospital SE13 University Hospital Lewisham E1 Royal London Hospital Whitechapel E1 BMI London Independent Hospital EC1 Moorfields Eye Hospital WC1 National Hospital for Neurology &

Neurosurgery N18 North Middlesex University Hospital SW19 Parkside Hospital Wimbledon W1 The Portland Hospital for Women &

Children SW15 Queen Mary’s Hospital roehampton NW3 royal Free Hospital SW3 Royal Marsden Hospital W1 “royal National Throat, Nose & Ear

Hospital” EC1 St Bartholemews Hospital SW17 St Georges Hospital W2 St Marys Hospital SE1 St Thomas’ Hospital NW1 University College Hospital NW1 Western Eye Hospital W1G Weymouth Street Hospital E11 Whipps Cross Hospital N19 Whittington Hospital SW5 BUPA Cromwell Hospital GREATER MANCHESTER Ashton-under-Lyne Tameside General Hospital Bolton BMI The Beaumont Hospital Bury Fairfield general Hospital Leigh Leigh Infirmary Manchester Spire Manchester Hospital Manchester Christie Hospital Manchester North Manchester general Hospital

Manchester royal Manchester Children’s Hospital Manchester Royal Eye Hospital Manchester royal Infirmary Manchester St Mary’s Hospital Oldham Royal Oldham Hospital Rochdale Birch Hill Hospital rochdale BMI Highfield Hospital rochdale rochdale Infirmary Salford Oaklands Hospital Salford Salford Royal Hospital Stockport Stepping Hill Hospital Wigan royal Albert Edward Infirmary Wigan Wrightington Hospital Wythenshawe Wythenshawe Hospital MERSEYSIDE Liverpool Broadgreen Hospital Liverpool Spire Liverpool Hospital Liverpool Royal Liverpool University Hospital Liverpool Liverpool Women’s Hospital Liverpool University Hospital Aintree Liverpool Liverpool Heart & Chest Hospital Ormskirk Ormskirk & District General Hospital Prescot Whiston Hospital St Helens Fairfield Independent Hospital St Helens St Helens Hospital Southport Southport & Formby District General

Hospital Wirral Clatterbridge Hospital Wirral Spire Murrayfield Hospital Wirral Arrowe Park Hospital NORFOLK Cromer Cromer Hospital Great Yarmouth James Paget University Hospital Kings Lynn BMI Sandringham Hospital Norwich Spire Norwich Hospital Norwich Nolfolk & Norwich University Hospital NORTHAMPTONSHIRE Kettering Kettering general Hospital Kettering Woodland Hospital Northampton Northampton general Hospital Northampton BMI Three Shires Hospital NORTHUMBERLAND Alnwick Alnwick Infirmary Hexham Hexham General Hospital NOTTINGHAMSHIRE Nottingham Nottingham City Hospital Nottingham BMI The Park Hospital Nottingham Queens Medical Centre Nottingham Circle Nottingham Clinic Nottingham Nottingham Woodthorpe Hospital Nottingham Spire Hospital Sutton in Ashfield Kings Mill Hospital Worksop Bassetlaw District General Hospital OxFORDSHIRE Banbury Foscote Hospital Banbury Horton General Hospital Oxford Churchill Hospital

When we issue a claim form, we will send you an up to date list

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oxford Nuffield orthopaedic Centre oxford Nuffield Hospital oxford (The Manor) Oxford John Radcliffe Hospital SHROPSHIRE Oswestry Robert Jones & Agnes Hunt Orthopaedic

Hospital Shrewsbury Nuffield Hospital Shrewsbury Shrewsbury Royal Shrewsbury Hospital Telford Princess Royal Hospital SOMERSET Bath BMI Bath Clinic Bath Circle Bath Hospital Bath royal National Hospital for rheumatic

Diseases Bath Royal United Hospital Taunton Musgrove Park Hospital Taunton Nuffield Hospital Taunton Weston Super Mare Weston General Hospital Yeovil Yeovil District Hospital STAFFORDSHIRE Burton-on-Trent Queen’s Hospital Newcastle-under-Lyne Nuffield Hospital North Staffordshire Stafford Staffordshire General Hospital Stafford Rowley Hall Hospital Stoke-on-Trent Royal Stoke University Hospital SUFFOLK Bury-St-Edmunds BMI St Edmunds Hospital Bury-St-Edmunds West Suffolk Hospital Ipswich Ipswich Hospital Ipswich Nuffield Hospital Ipswich SURREY Ashtead Ashtead Hospital Camberley Frimley Park Hospital Caterham North Downs Hospital Cheam Spire St Anthony’s Chertsey BMI Runnymede Hospital Chertsey St Peter’s Hospital Croydon BMI Shirley Oaks Hospital Epsom Epsom General Hospital Farnham Spire Clare Park Hospital guildford Nuffield Hospital guildford Guildford BMI Mount Alvernia Hospital Guildford Royal Surrey County Hospital Horley Spire Gatwick Park Hospital Kingston-upon-Thames BMI Coombe Wing Leatherhead Leatherhead Hospital Redhill East Surrey Hospital Sutton Royal Marsden Hospital Woking Nuffield Hospital Woking SUSSEx - EAST Brighton royal Alexandra Children’s Hospital Brighton Royal Sussex County Hospital Brighton Sussex Eye Hospital Brighton Nuffield Hospital Brighton Crowborough Horder Centre Eastbourne Eastbourne District General Hospital Hove Spire Montefiore Hospital

Lewes Victoria Hospital St Leonards-on-Sea Conquest Hospital St Leonards-on-Sea Spire Sussex Hospital SUSSEx - WEST Chichester Nuffield Hospital Chichester Chichester St Richards Hospital Crawley Crawley Hospital East Grinstead Queen Victoria Hospital East Grinstead McIndoe Surgical Centre Haywards Heath Nuffield Hospital Haywards Heath Haywards Heath Princess Royal Hospital Horsham Horsham Hospital Worthing Worthing Hospital Worthing BMI Goring Hall Hospital TYNE & WEAR Gateshead Queen Elizabeth Hospital Newcastle Freeman Hospital Newcastle Nuffield Hospital Newcastle-upon-Tyne

Newcastle royal Victoria Infirmary Newcastle Walkergate Hospital North Shields North Tyneside general Hospital South Shields South Tyneside District Hospital Sunderland Sunderland Eye Infirmary Sunderland Sunderland Royal Hospital Washington Spire Washington Hospital WARWICKSHIRE Leamington Spa Nuffield Warwickshire Hospital Nuneaton george Eliot Hospital Rugby Hospital of St Cross Stratford Circle Stratford Clinic Warwick Warwick Hospital WEST MIDLANDS Birmingham City Hospital Birmingham Children’s Hospital Birmingham Heartlands Hospital Birmingham BMI The Edgbaston Hospital Birmingham BMI Priory Hospital Birmingham Queen Elizabeth Hospital Birmingham Royal Orthopaedic Hospital Birmingham Women’s Hospital Coventry BMI Meriden Hospital Coventry University Hospital Coventry Dudley Corbett Hospital Dudley Russells Hall Hospital Halesowen West Midlands Hospital Solihull Birmingham Midland Eye Centre Solihull Spire Parkway Hospital Solihull Solihull Hospital Sutton Coldfield good Hope Hospital Sutton Coldfield Spire Little Aston Hospital Walsall Manor Hospital West Bromwich Sandwell General Hospital Wolverhampton New Cross Hospital Wolverhampton Nuffield Hospital Wolverhampton WILTSHIRE Malborough Savernake Hospital Salisbury New Hall Hospital

When we issue a claim form, we will send you an up to date list

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Salisbury Salisbury District Hospital Swindon Great Western Hospital Swindon BMI Ridgeway Hospital WORCESTER Droitwich BMI Droitwich Spa Hospital Kidderminster Kidderminster Hospital Redditch Alexandra Hospital Worcester Worcester Royal Hospital Worcester Spire South Bank Hospital YORKSHIRE - NORTH Bridlington Bridlington & District Hospital Harrogate BMI The Duchy Hospital Harrogate Harrogate District Hospital Malton Malton Norton & District Hospital Middlesborough James Cook University Hospital Northallerton Friarage Hospital Scarborough Scarborough General Hospital York Clifton Park Hospital York York District Hospital york Nuffield Hospital york YORKSHIRE - SOUTH Barnsley Barnsley Hospital Doncaster Park Hill Hospital Doncaster royal Infirmary Rotherham Rotherham Hospital Sheffield BMI Thornbury Hospital Sheffield Sheffield Children’s Hospital Sheffield Claremont Hospital Sheffield Northern general Hospital Sheffield royal Hallamshire Hospital Sheffield Weston Park Hospital

YORKSHIRE - WEST Bingley Yorkshire Clinic Bradford royal Infirmary Dewsbury Dewsbury & District Hospital Elland Spire Elland Hospital Huddersfield BMI Huddersfield Hospital Huddersfield royal Infirmary Keighley Airedale general Hospital Leeds Leeds general Infirmary Leeds Spire Leeds Hospital Leeds Spire Methley Park Leeds Nuffield Hospital Leeds Leeds St James’s University Hospital Pontefract Pontefract Hospital Salterhebble Calderdale Royal Hospital Wakefield Pinderfields general Hospital HULL & EAST YORKSHIRE Cottingham Castle Hill Hospital Goole Goole & District Hospital Hull Spire Hull & East Riding Hospital Hull royal Infirmary Scunthorpe Scunthorpe General Hospital

WALES CLWYD Abergele Abergele Hospital Rhyl Glan Clwyd Hospital Wrexham Maelor Hospital Wrexham Spire Yale Hospital DYFED Aberystwyth Bronglais General Hospital Camarthen BMI Werndale Hospital

Third Age Matters I recently joined HMCA`s Private Healthcare scheme, and chose the top band of cover. Unfortunately, within weeks, I became extremely unwell. HMCA were incredibly helpful. Not only were they charming pre-my joining them, answering my endless questions with great patience, they were prompt and courteous about dealing with the claims that I submitted to them regarding my illness. Because I suddenly became unwell over a weekend, the easiest way for me to go forward was to self-pay as I went along, and to submit all my receipts to HMCA. My claim was dealt with extremely quickly. I unfortunately had a relapse, resulting in having to submit a further claim - again, payment was extremely prompt. Having personally paid out a large amount of money for my medical fees, I was so grateful to be remunerated so rapidly, and with such courtesy. I cannot recommend (and praise) HMCA highly enough. It is bad enough being unwell and vulnerable, let alone having to cover such high costs, so it was extremely reassuring to find that my case was dealt with so quickly. Thank you to all the team at HMCA!

Sue from North London, December 2018”

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When we issue a claim form, we will send you an up to date list

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Camarthen Glangwili General Hospital Haverfordwest Withybush General Hospital GLAMORGAN - MID Bridgend Princess of Wales Hospital Llantrisant Royal Glamorgan Hospital Merthyr Tydfil Prince Charles Hospital GLAMORGAN - SOUTH Cardiff Cardiff Bay Hospital Cardiff Spire Cardiff Hospital Cardiff The Vale Hospital, Hensol Cardiff University Hospital of Wales GLAMORGAN - WEST Neath Neath Port Talbot Hospital Swansea Morriston Hospital Swansea Sancta Maria Hospital Swansea Singleton Hospital GWENT Abergavenny Nevill Hall Hospital Newport St Joseph’s Hospital GWYNEDD Bangor Gwynedd Hospital Llandudno Llandudno General Hospital

SCOTLAND CENTRAL Stirling BMI Kings Park Hospital Larbert Forth Valley Royal Hospital GRAMPIAN Aberdeen BMI Albyn Hospital Aberdeen royal Aberdeen Children’s Hospital Aberdeen Aberdeen royal Infirmary Aberdeen Woodend Hospital HIGHLAND Fort William Belford Hospital Inverness Raigmore Hospital Wick Caithness General Hospital LOTHIAN Edinburgh Spire Murrayfield Hospital Edinburgh Spire Shawfair Park Hospital Edinburgh Royal Hospital for Sick Children Edinburgh royal Infirmary of Edinburgh Edinburgh Western General Hospital Edinburgh The Edinburgh Clinic Livingston St John’s Hospital STRATHCLYDE Alexandria Vale of Leven Hospital Ayr BMI Carrick Glen Hospital Ayr Ayr Hospital glasgow Nuffield Hospital glasgow Glasgow BMI Ross Hall Hospital Glasgow Queen Elizabeth University Hospital Greenock Inverclyde Royal Hospital Kilmarnock Crosshouse Hospital

WI Life ReaderThank you not just for the speed of your response but for the thoughtfulness in making the extra effort to contact me by telephone. This is a rare and very much appreciated level of care, Thank you.

Mrs Phipps, Surrey, March 2019

TAYSIDE Arbroth Arbroth Infirmary Brechin Stracathro Hospital Dundee BMI Fernbrae Hospital Perth Perth royal Infirmary

NORTHERN IRELAND COUNTY ANTRIM Belfast Belfast City Hospital Belfast Kingsbridge Private Hospital Belfast Mater Hospital Belfast Musgrave Park Hospital Belfast Royal Victoria Hospital Belfast Ulster Independent Clinic Belfast Ulster Hospital Lisburn Lagan Valley Hospital Newtownabbey Whiteabbey Hospital COUNTY ARMAGH Craigavon Craigavon Area Hospital COUNTY DOWN Downpatrick Downe Hospital Newry Daisy Hill Hospital COUNTY FERMANAGH Enniskillen South Western Acute Hospital LONDONDERRY Ballykelly North West Independent Hospital Coleraine Causeway Hospital Londonderry Altnagelvin Area Hospital Magherafelt Mid Ulster Hospital TYRONE Dungannon South Tyrone Hospital Omagh Tyrone County Hospital CHANNEL ISLANDS Alderney Mignot Memorial Hospital Guernsey Princess Elizabeth Hospital Jersey Jersey General Hospital ISLE OF MAN Douglas Noble’s Hospital

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When we issue a claim form, we will send you an up to date list

IMPorTANT INForMATIoN

SECTIoN

INSURANCE

INSURANCE . INSU

RA

NCE . INSURANCE . INSUR

AN

CE

. INS

URANCE .

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THE MEDICAL SAVEr PLANDESCrIPTIoN oF BENEFITS

18

The maximum benefit payable for each person named on the Membership Certificate for acute surgical or acute medical conditions, in each subscription year, is £250,000.

IN-HOSPITAL OVERNIGHT AND LONGER STAYS

CONTRACTUAL

ACCOMMODATION CHARGES IN A HOSPITAL ON OUR HOSPITAL LIST . . . . . . . . . . . . . . . . . . . . . . . . . . . Full Refund

WARD NURSING CHARGES FOR EACH STAY IN HOSPITAL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Full Refund

NHS TREATMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .£200 a night for up to For the duration of medical treatment carried out solely as a . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .30 nights’ a year National Health patient in a public ward of an NHS hospital.

SURGICAL CHARGES FOR EACH STAY IN HOSPITALSurgeons’ and Anaesthetists’ Combined Fees including aftercare.Major Plus Operation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £1625Major Operation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £1145Intermediate Operation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £765Minor Operation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £435Additional Benefit for an operation requiring specialised operative techniques. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £2100

THEATRE FEES, CONSUMABLES, DRUGS AND SURGICAL DRESSINGS FOR EACH STAY IN HOSPITALMajor Plus Operation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £2500Major Operation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £1575Intermediate Operation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £1030Minor Operation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £745Additional Benefit for an operation requiring specialised operative techniques. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £2725

PATHOLOGY, INVESTIGATIONS & PHYSIOTHERAPYWhen charged individually by the hospital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £1100When charged as part of a package price . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £500

WARD DRUGS & CONSUMABLES FOR EACH STAY IN HOSPITAL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Full RefundWhen charged separately for in-hospital treatment.

PROSTHESES FOR EACH STAY IN HOSPITALProstheses payable in accordance with the operation.Major Plus Operation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £3000Major Operation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £1260Intermediate Operation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £745Minor Operation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £455Additional Benefit for an operation requiring specialised operative techniques. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £1350

PHYSICIAN FEES FOR NON SURGICAL STAYS IN HOSPITALFirst three days . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .up to £120 for each dayAfter three days . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .up to £60 for each day

INTENSIVE CARE / HIGH DEPENDENCY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .up to £2175 each yearBenefit is payable for medical treatment in an intensive care or high dependency unit.

PERSONAL ACCIDENT BENEFITS

OUTPATIENT BENEFIT

OTHER ADDITIONAL BENEFITS

DENTAL & OVERSEAS BENEFITS

PERSONAL ACCIDENT DEATH BENEFIT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . £1000

PERSONAL ACCIDENT DISABILITY COVER . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . £500

INITIAL CONSULTATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £250 each year

you will be covered for an initial specialist’s consultation.

RADIOTHERAPY/CHEMOTHERAPY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £800 each yearA grant is given towards treatment.

PARENT/GUARDIAN ACCOMPANYING A CHILD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £300 each dayFor a child under 16 years of age, HMCA will pay the accommodation charge for one parent for a period not exceeding 20 days’ a year.

PRIVATE AMBULANCE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £350 each yearFor transport by a private ambulance to or from a hospital for medical reasons.

MATERNITY GRANT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .£800 for each birthWhen both parents have been members for a year.

LONG-TERM ILLNESS GRANT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . up to £1000Long-term conditions which are not covered are those that are recurrent, persistent or incurable. After enrolment, a member receiving treatment that ceases to be short-term qualifies for a grant. This benefit can be given at the discretion of HMCA.

DENTAL TREATMENTBenefit is payable only where specialist in-hospital treatment is necessary.

OVERSEAS COVER . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . benefits as for the UKCover continues when you travel abroad on holiday or business for a period not exceeding six months. Excluded are general practitioners’ services and hotel expenses. Before travelling obtain form EHIC from the Post office or telephone 0845 606 2030 for reciprocal arrangements in EEA countries.

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THE MEDICAL SAVEr PLAN1 DEFINITIONSThe following expressions have the following meanings1.1 Association HMCA Members.1.2 Scheme A Scheme, managed by HMCA Members, for

providing benefits in respect of treatment for acute surgical or acute medical conditions for any disease, injury or illness on a short term basis by Specialists at any hospital on the list.

1.3 Insurer HMCA Insurance Limited.1.4 Year Any twelve calendar months commencing at the date of

enrolment or annual renewal of a subscription.1.5 Member A person who is either an individual or group and

applies for enrolment under Condition 3.1 and is accepted.1.6 Dependants1.6.1 The Member’s Spouse or partner if living at the same

address.1.6.2 A child, or grandchild, of the Member, or the Member’s

partner, up to the age of 26, single and living at home.1.6.3 A child, or grandchild, of the Member, or the Member’s

partner, in full time education.1.7 Patient “The Patient” means the Member or one of his

Dependants receiving benefits under the scheme.1.8.1 NHS Hospital A hospital operated under the National Health

Service with facilities for medical and surgical treatment.1.8.2 Private Hospital A hospital or nursing home with facilities

for medical and surgical treatment which charges fees for its services and in the United Kingdom is registered under the Nursing Homes Act 1975 (or is excluded from the definition of a nursing home in the Act by Section 1 (2)(a) thereof but is not an NHS Hospital) or overseas is operated or recognised by the appropriate authority where it is situated.

1.9 Acute Medical Condition Any disease, illness or injury of rapid onset, severe symptoms and brief duration.

1.10 Long-term Illness A medical condition that has become either recurrent, persistent or incurable.

1.11 Treatment Surgical or medical procedures undertaken by Specialists needed to diagnose and/or cure an acute medical condition.

1.12 In-Hospital Treatment An overnight stay by a Member or his Dependant for private treatment in a Private Hospital in connection with the treatment of an acute medical condition.

1.13 Specialist A medical or dental practitioner who is registered under the Medical Acts and holds or has held a consultant appointment in an NHS Hospital or otherwise holds a certificate of specialist accreditation recognised by a competent authority.

1.14 General Practitioner A registered medical practitioner in general practice.

1.16 Interpretation Where appropriate, reference to the masculine gender shall be deemed to include the feminine.

1.18 Accident or Emergency Admissions1.18.1 by ambulance to either an NHS or Private Hospital as a direct

result of or immediately following an accident1.18.2 to either an NHS or Private Hospital directly from the

Accident & Emergency or Casualty department for urgent or unplanned treatment

1.18.3 to either an NHS or Private Hospital on the same day as a referral for treatment is made by either a General Practitioner or Specialist, when immediate Treatment or Diagnostic Tests are a medical necessity

1.19 Chemotherapy The treatment of cancer using specific chemical agents or drugs that are selectively destructive to malignant cells and tissues.

1.20 Ward Drugs Medication which is administered whilst the patient is an in-patient on the ward. This does not include Chemotherapy drugs.

1.21 Day Case An admission to a hospital that does not involve an overnight stay.

1.22 EEA Includes all Member states of the EEA, as well as the Isle of Man and Channel Islands.

2 ExCLUSIONSBenefits shall not be payable for:-2.1 Treatment of a Long-term Illness (refer to condition 3.3.2

to see how this exclusion is applied); monitoring of any condition; routine follow-up consultations; treatment which does not address the underlying medical condition and only offers temporary relief of symptoms (i.e. palliative care).

2.2.1 Pre-existing injury or disease contracted prior to your enrolment date (or the Member’s previous plan under the terms of the transfer facility). After one full year’s Membership such pre-existing injury or disease and conditions arising or resulting therefrom of which no symptoms (indication of a disease or disorder) have manifested themselves or treatment, or medication, or advice, including check-ups, has been rendered in the preceding 12 consecutive calendar months, will be covered.

2.2.2 At the time of joining, if the member is undergoing treatment or investigations (including with your general Practitioner) these are excluded unless fully disclosed and accepted by the Insurer in writing.

2.3 Pregnancy or childbirth, except in cases of complications of childbirth when the NHS benefit will be payable subject to both parents having been enrolled for at least twelve months.

2.4 The investigation or treatment of Infertility.2.5 Treatment for alcohol and drug abuse.2.6 Treatment for sexually transmissible diseases including

Acquired Immune Deficiency Syndrome (AIDS) or AIDS related Complex (ArC) howsoever this Syndrome has been acquired or may be named.

2.7 Treatment for injury or illness directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, riot, terrorism, rebellion, revolution, insurrection, military or usurped power.

2.8 Treatment or advice given by a General Practitioner or Dentist.

2.9 Self inflicted injuries or disabilities.2.10 Sight testing, routine medical examinations and any dental

condition not involving an oro-surgical operation.2.11 Spectacles or other optical aids, hearing aids, surgical

medical appliances or equipment, denture or dental appliances.

2.12 Rehabilitation, convalescence, or time spent in a community or cottage hospital, a nursing home or similar establishment.

2.13 Cosmetic surgery, whether or not for psychological reasons.2.14 Dialysis in Chronic Renal Failure.2.15 Treatment received outside the country of residence when

the purpose of being abroad is wholly or in part to obtain such treatment, unless agreed in advance with HMCA.

2.17 Treatment not being undertaken by a Specialist.2.18 Treatment when received as a public ward patient in an NHS

hospital.2.19 (i) the completion of claim forms (ii) medical reports which

may be required at any time in respect of Members or Dependants.

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CONTRACTUAL

2.20 Drugs and dressings prescribed on an out-patient basis.2.21 Treatment for mental illness or psychiatric disorders or

anxiety/stress related conditions.2.22 Drugs not licensed in the U.K. for specific usage.2.24 Treatment of joint and back problems will not be covered for

the first twelve months’ of Membership. This does not apply to Members who enrol under the transfer condition or in respect of treatment required where accident is the sole cause.

2.25 Correction of abnormalities or deformities which are congenital or which originate before the date of enrolment, and any treatment related to any such abnormality or deformity.

2.26 Treatment which is experimental or has not been accepted as being effective.

2.27 Breast reductions for whatever reason.2.28 Accident or Emergency Admissions, except when the

treatment is received free as an NHS patient, when the NHS grant is payable.

2.29 Where previous treatment has been received by the Member for any joint, either before they became a Member of the scheme or since joining it, no benefit will be payable under this policy in the case of any revision or repeat treatment to that joint.

3 CONDITIONS3.1 Anyone resident in the EEA shall be eligible to apply for

enrolment of himself and his Dependants in the Scheme.3.2 The Insurer reserves the right to refuse any application or to

restrict the range of benefits and the Applicant shall not be entitled to know the reason for such decision.

3.3 Cover may be transferred from an existing plan and future claims made for acute conditions originating at the time the Member was participating in the previous plan, will be honoured subject to the Description of Benefits applicable at that time.

3.3.1 The Member must provide evidence of the existing plan and the commencement date of it to HMCA for the transfer terms to apply.

3.3.2 When a condition is first diagnosed (and did not exist prior to enrolment) benefit will be provided for such diagnosis and any necessary treatment for one initial episode only. Subsequent treatment is not covered. When these circumstances occur the Insurer will issue an appropriate endorsement to the certificate. The Insurer provides a discretionary Long-term Illness Grant which can be made available to those with a Long-term Illness to assist transition to NHS care.

3.6 on the death of a Member, a spouse who is registered as a Dependant may without formality become a Member in his or her own right at the appropriate rate, according to whether the spouse was the only Dependant or whether there were one or more child Dependants.

3.7 The contract is an annual one renewable from year to year at the option of the Member, subject to the Description of Benefits and Subscriptions in force at the date of renewal.

3.9 Members who take up residence outside the EEA shall cease from the next renewal date to be Members of the Scheme.

3.10 The Insurer shall be entitled at any time in relation to a Member or Dependant to terminate the contract, or to subject the contract to different terms, if

(a) The Member, or an enrolled Dependant, has at any time (i) m i s le d t h e I n s u re r b y m i s - s t a t e m e n t o r

concealment. (ii) otherwise failed to act with the utmost good faith. (b) the Member is a Member of a group which is wound up, or

whose special arrangements are amended. (c) The Insurer decides to discontinue the Scheme or any

part thereof.

3.11 The subscription is payable in advance and eligibility to benefit ends when the period covered by the subscription has expired or any instalment of subscription has not been paid on the due date.

3.12 Where the annual subscription is paid by instalments, such instalments are payable for the full year. The Insurer reserves the right to deduct any outstanding instalments on settlement of a claim.

3.14 The Insurer will consider claims for treatment at hospitals on the list provided. Other hospitals may be accepted subject to prior notification and the Insurer’s written agreement.

3.15 Where discounts off the basic rates are allowed, only one discount will be given.

3.16 Benefits may be claimed for treatment by a specialist after referral from the patient’s gP. Where more than one surgical procedure is carried out whilst an in-patient then the benefit payable towards Surgical Charges and Theatre Fees shall be 100% of the highest rated procedure plus up to 50% of the appropriate benefit for each subsequent procedure. For the purposes of benefits, operations are classified as Complex, Major Plus, Major, Intermediate or Minor. When a course of treatment is received solely as an NHS patient, the cash benefit detailed in the Description of Benefits shall be payable for each eligible night spent in hospital.

3.17 A claim form will be sent to the Member on request. Such a request should be made immediately the Member is advised to have Specialist treatment for which a claim for benefit will be submitted.

3.19 A Member shall not be entitled to ask for payment in any foreign currency and claims in any such currency shall be paid in Pounds Sterling at the rate of exchange prevailing on the day of the cheque in settlement of the claim is drawn.

3.20 Any claim for benefit must not exceed the actual expenses incurred and is payable up to the limit for the time being prescribed within the Member’s chosen level. Such a claim must be in the Insurer’s prescribed form supported by accounts from whoever has provided the service. Any claim shall be made within three months’ of commencement of treatment or giving of advice. It shall be supported by such further evidence as the Insurer may reasonably require. In the event of treatment or the giving of advice continuing further, accounts shall be submitted within one month of them being rendered and the requirement as to further evidence shall apply.

3.21 If expenses are covered by an insurance on the Member or by any Provident Association, the Insurer reserves the right not to pay more than its rateable proportion thereof.

3.22 For the purposes of calculating daily payments, the days of admission and discharge together count as one day.

3.23 Accommodation charges are payable only when directly related to the In-Hospital treatment received in Private Hospitals or the private wing of NHS Hospitals.

3.25 Where the treatment required results from the fault of another, the Member must;

(i) Take all reasonable steps that the Insurer requires to recover from the party at fault the cost of the benefits paid by the Insurer and interest thereon.

(ii) If recoverable, repay to the Insurer the cost of the benefits paid to the Member with interest.

3.26 The benefits payable towards a claim are those applicable to your certificate at the time the claim form is issued. Therefore benefits from two separate Membership years cannot be applied to the same claim.

3.28 The Maternity Grant is payable once both parents have been members for at least twelve months.

3.29 Each In-Hospital stay must be pre-authorised at least the day before, with HMCA Members being in receipt of the completed claim form, a consultant’s report and details of the hospital’s charges, before any agreement can be given as to the eligibility and benefits payable.

21

THE PErSoNAL ACCIDENT CASH PLAN

Included with your Medical Saver Plan are Personal Accident benefits, please read these rules and make sure that they meet your needs and that you are clear about the cover and the exclusions. These documents form the contract of insurance between you and the Insurer.

Certain words in this Plan have a specific meaning. The definitions of such words are detailed under Definitions where a word has been defined, the definition will apply wherever that word appears in this Plan.

DEFINITIONSInsurer HMCA Insurance Limited.

Insured The person stated on the Certificate.

Anniversary Date 12 months after your enrolment date, stated on your Certificate.

Accidental Death Death caused by an accident which is due to a sudden, unexpected, unusual specific event which occurs at an identifiable time and place.

You/your The Insured.

Hazardous Pursuits Shall mean ballooning, caving, diving, hang-gliding, hydro-planing, riding on a motorcycle over 250cc (as a driver or passenger), mountaineering, parachuting, pot-holing, racing of any kind (other than on foot), rock or cliff climbing, white water rafting or canoeing, any sport carried out as a professional

Permanent Disablement/Disability Refers solely to loss of limb or loss of sight as separately defined.

Loss of Limb Means loss by physical separation of a hand at or above the wrist or of a foot at or above the ankle and includes total and irrecoverable loss of use of hand, arm, foot or leg.

Loss of Sight Means total and permanent loss of sight in both eyes if the Insured has been added to the register of blind persons on the authority of a fully qualified ophthalmic specialist, or in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen Scale.

ExCLUSIONSThis Plan does not cover death or disablement/disability resulting directly or indirectly from;

a) the Insured’s criminal activity, intentional actions, or self-injury

b) war, whether war be declared or not, hostilities or any act of war or civil war

c) nuclear reaction, nuclear radiation or radioactive contamination

d) any act of terrorism

For the purpose of this exclusion, an act of terrorism means an act or series of acts, including the use of force or violence, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s), committed for political, religious or ideological purposes including the intention to influence any government and/or to put the public in fear for such purposes

e) the Insured being intoxicated by alcohol or drugs, except as prescribed by a registered qualified medical practitioner

f) acquired immune deficiency syndrome (AIDS) or HIV

g) hazardous pursuits.

FRAUDInsurance fraud is a crime, and costs innocent customers money every year because insurance companies have to charge higher premiums.

If you, or anyone acting on your behalf, supply the Insurer with facts or information and/or make a claim which you know to be false or inaccurate and with the intent of seeking financial gain, you may be committing a fraudulent act, which is a crime. If the Insurer obtains evidence which suggests that this is the case, the Insurer may cancel the Plan and refuse to settle your claim. The Insurer will also report the matter to the police.

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CONTRACTUAL

IMPorTANT INForMATIoN yoU NEED To KNoW

For yoUr ProTECTIoNHMCA Insurance Limited is the insurer that underwrites the Medical Saver Plan and promotes its various plans through HMCA Members both in the UK and republic of Ireland. It does not own, nor is it owned by, any part of HMCA Members.

HMCA Members is an insurance intermediary that works on behalf of the underwriters, HMCA Insurance Limited. HMCA Members undertakes all aspects relating to administration, marketing and management of claims. In return for this HMCA Members is remunerated by HMCA Insurance Limited from the subscription the members pay.

HMCA Members only promotes Medical Plans underwritten by HMCA Insurance Limited and its experienced Telephone Helpline provides a non-advised sales service. The Telephone Helpline is available for you to ask questions regarding any aspect of the Plan and you can contact them on 01423 799949.

We do not offer advice and the information sent will allow you to make a choice of how to proceed.

DEMANDS AND NEEDSThis Plan meets the demands and needs of individuals who wish to have benefits towards the cost of their private medical treatment, now and in the future.

COMPENSATION

HMCA Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). you may be entitled to compensation from the scheme in the unlikely event that HMCA Insurance Limited cannot meet its obligations. This depends on the type of business and circumstances of the claim and would provide cover for 100% of the first £2,000 and 90% of the remainder of the claim without any upper limit. Further information about compensation scheme arrangements is available from the FSCS. (www.fscs.org.uk - telephone 020 7741 4100.)

HMCA/S PLC, trading as Hospital & Medical Care Association, HMCA and HMCA Members is an intermediary and is authorised and regulated by the Financial Conduct Authority, reference no. 307587. This can be verified by visiting the FCA’s website https://register.fca.org.uk or by contacting the FCA on 0800 111 6768.

COMPLAINTS PROCEDUREIf you have a complaint please write to The Directors of HMCA Members, Beech Hall, Knaresborough, yorkshire, Hg5 0EA. If you are dissatisfied with the response you should write to HMCA Insurance Limited, 33/2 Cannon Lane, Gibraltar, gX11 1AA. If after their review you are still dissatisfied, your complaint can be referred to the Financial Ombudsman Service at Exchange Tower, Harbour Exchange Square, London E14 9SR.

THE DIRECT DEBIT GUARANTEE

• 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 HMCA/S PLC will notify you 3 working days in advance of your account being debited or as otherwise agreed. If you request HMCA/S PLC 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 HMCA/S PLC 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 HMCA/S PLC 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.

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WHAT OUR MEMBERS SAY

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WE ARE HERE TO HELPIf you wish to discuss your health care requirements or the Medical Saver Plan, please call our helpline on 01423 799949 or write to:

HMCA, Beech Hall, Knaresborough, North Yorkshire HG5 0EA.

Email: hmca@hmca.co.uk Website: www.hmca.co.uk

I have nothing but praise for your Association. It is very reassuring for me to be able to use one of the leading eye surgeons in the world for my treatment for glaucoma. In this modern world how nice to deal with people with old fashioned values, long may you continue. I cannot thank you enough.

First Voice Magazine Reader, Derbyshire - March 2019

I would now like to say how happy and relieved I am to have become a member of the association. Of course, the subscription paid a part but it was the care and understanding that made me want to be a member and I cannot praise you enough for that.

rCN Bulletin reader, Sussex - March 2019

I would like to thank all the HMCA staff that I have dealt with. Without exception, everyone is courteous, well informed and helpful; good customer service like this is rare today, so HMCA should feel justifiably proud of their record.

National Trust Magazine reader, January 2020

I wish to thank you for the professional way my claim has been handled and the courtesy your staff have shown on each occasion I have phoned with a query. I have no hesitation in recommending your company to colleagues and friends. Well done!

Third Age Matters Reader, London, January 2020

I write to say how impressed and appreciative I am regarding the staff of your Organisation. Whenever I make contact, every person I speak with is unfailingly polite, helpful and approachable. I always feel I am an individual client, not simply a number.

Freemasonry Today Reader, Warwickshire - April 2019

FREEMASONRY TODAY

READER

FIRST VOICE MAGAZINE

READER

RCNBULLETIN READER

NATIONAL TRUST

MAGAZINE READER

THIRD AGE MATTERS READER

Telephone helpline(01423) 799949