Frequently Asked Questions

General frequently asked question’s -protection

How much cover do I require?

Consider how much is needed to clear your mortgage and repay any loans or debts. You also need to factor in funeral costs. Then, work out how big a lump you want to leave behind if any and there’s your answer.

What is the recommended level of cover?

Decide whom you need to protect and what their needs are likely to be as a rough guide this would represent a minimum of ten times your current annual income. You should always consult an independent financial adviser if you need advice about the most suitable policy for your needs.

How will my policy vary in cost and what are the variables?

The monthly cost will typically be calculated according to the length of the policy, the sum assured and additional-options required. Other factors which influence premiums are personal characteristics height, weight, age, personal/family medical history, occupation, hobbies, smoking, use of alcohol, or similar lifestyle choices.

Are there tax implications in the event of my death?

If your policy is not placed in trust the benefit may become part of your estate, which may have inheritance tax implications. Placing your policy in trust is one way to prevent this outcome. However, this is a complex option for an individual and is best achieved with the assistance of a independent financial adviser.

What if I am already in an employer’s insurance scheme?

Check that the benefits available under your current scheme match the level of protection you wish to provide. Bear in mind also that this cover will cease if you leave your current employment.

Should I change an existing policy?

Every big event e.g. marriage, child birth, a change of job or the purchase of a new home is worth reviewing you policy. Also you could be missing out on lower premiums if you quit smoking or a hazardous leisure pursuit.

Does smoking affect my policy?

Smokers will suffer a 25% to 50% increase in premiums. Also bear in mind that the odd cigarette when you drink, in the eyes of your insurer makes you a smoker.

Do I really need life insurance?

Life insurance isn’t just for middle-aged men with high outgoings and large families. As soon as you have any shared financial commitments or loved ones that rely on you financially. It’s time to take out a policy.

General frequently asked question’s -healthcare

Will I be covered for pre-existing conditions?

This depends on how we underwrite the policy you choose. There are four different types of underwriting:

Full Medical Underwriting – We ask you for any pre-existing conditions before you join and we then work out what you will be covered for or not. (this will be shown on your membership certificate)

Medical History Disregarded – We accept any pre-existing conditions. (normally only if you are switching from another provider or are part of a business scheme)

Moratorium Underwriting  – From the start date of your policy you are not covered for conditions you’ve received medication advice symptoms or treatment for in the last five years until you’ve been two years free from medication advice symptoms or treatment for that condition.

What are my underwriting options?

Underwriting for health insurance is the process by which an insurer decides on what terms it will accept a person for cover based on the information they supply. When underwriting a new policy there are two ways of underwriting – full medical underwriting or moratorium underwriting. You can also transfer your underwriting from one policy too another this is called continuous previous medical exclusions. (CPME)

If you select full medical underwriting, we’ll consider your medical history. This won’t affect the cost of your policy, but we may not be able to cover you for conditions you already have. We’ll review your medical history and decide if we need to place any medical exclusions on your plan. New medical conditions arising after the start of your policy will be covered immediately subject to the policy terms and conditions.

If you select moratorium underwriting you don’t need to provide your full medical history and accept that pre-existing conditions will not be covered unless you meet the moratorium criteria when you come to claim.

If you are transferring by continuous previous medical exclusions.

(CPME) there will be switch questions that you will have to meet to be eligible for this method of underwriting.

Am I covered for chronic conditions?

Our health insurance doesn’t cover chronic conditions.

A chronic condition is a disease, illness or injury which has at least one of the following characteristics:

  • It needs ongoing or long-term monitoring through consultations, examinations, check-ups and/or tests.
  • It needs ongoing or long-term control or relief of symptoms.
  • It requires your rehabilitation or for you to be specially trained to cope with it.
  • It continues indefinitely.
  • It has no known cure.
  • It comes back or is likely to come back.
My family has a history of cancer. Will this affect the price of my private healthcare?

No – Insurance providers do not take family history of cancer into account when deciding whether or not to offer cover to a new customer and the price will not be any different to that of someone with no family history of cancer.

What is an excess?

Having an excess means that you will have to pay the first part of any eligible treatment costs that would otherwise be paid by your insurer. By eligible treatment costs we mean costs that would have been payable under your benefits if you had not had an excess.

Can I add other members of my family to my membership?

Yes, you can add your partner and/or your children (including newborn or adopted children) as dependants on your policy.

How do I make a change to my policy?

Contact our Customer Service team on 01202 762481


01202 762481

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