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UK Healthcare - Senior Cash Plan Terms & Conditions

Things to remember whenmaking a claim…

  1. You must fully complete and sign a claim form and send it to us with original receipts. The receipt must include your name and be submitted within three months of the date of any treatment.
  2. Pre-existing conditions are not permissible with the exception of dental and optical
  3. Make sure that you check the length of your qualifying period before claiming
  4. Check that you have sufficient level of benefit remaining before submitting a claim

If in doubt, call us on 01204 522775

General Terms and Conditions

Welcome to UK Healthcare (the trading name of Bolton & District Hospital Saturday Council)
We’ve tried to make this plan as simple to understand as possible. Please take time to read this document carefully and keep it safe for future reference. This plan is contractually binding whether or not you have signed the application form or any other document. Insured persons are covered for the benefits shown in the plan schedule of cover, which in turn are governed by the following plan wording.

This policy is sold and administered by UK Healthcare which is the trading name of Bolton and District Hospital Saturday Council, registered in England and Wales. Company no. 518573. The registered office is Regent House, Folds Point, Folds Road, Bolton, BL1 2RZ. Bolton and District Hospital Saturday Council is authorised and regulated by the Financial Conduct Authority (FCA). The financial services registration number is 202043.

The underwriter is Westfield Contributory Health Scheme Ltd (WCHS Ltd) and is registered in England & Wales company no. 303523. Westfield Health is the trading name of WCHS Ltd and is authorised by the Prudential Regulation Authority (PRA) and regulated by Financial Conduct Authority (FCA) and the PRA. The financial services registration number is 202609. The registered office is Westfield Hours, 60 Charter Row, Sheffield, S1 3FZ.

 

Details of FCA/PRA registrations can be found by accessing the Financial Services Register online at www.fcs.org.uk/register or by calling the FCA on 0800 111 6768.Joining UK Healthcare


Anyone aged over 50 can join UK Healthcare and can use the plan for as long as they wish. You will not be required to have a medical to join our scheme. The only exclusion on joining UK Healthcare is that any pre-existing medical condition will not be covered. This does not apply to dental cover or optical cover. Your qualifying period commences on payment of your first premium. You can upgrade your level of cover once every year during the lifetime of the policy. Downgrades are not normally allowed.

Premiums
Payments are made in advance on a rolling basis and are non-refundable. For a claim to be honoured your payments must be fully up to date. Should payment fall into arrears we reserve the right to refuse your claim, even if the treatment date was before the date of arrears.

Occasionally it will be necessary for us to increase the premium, alter the benefits available or amend the rules relating to your plan. If this happens you will receive one-month notice in writing. Notifications of address changes are your responsibility and we cannot be held responsible for any correspondence failing to reach you. We promise to notify you immediately if legislation which is outside of our control (e.g. Insurance Premium Tax) results in any change to your payments.

Once your policy has been operating for 13 weeks you can upgrade to a higher level. You can only do this once a year and you will find information on how to do this at www.ukhealthcare.org.uk or by calling 01204 522775. The level of cover you have chosen sets the premium that is payable by you. All new customers will be required to make their payments by Direct Debit and pay in advance. We may request your first payment by debit or credit card. It is your responsibility to keep us informed of any change in bank details where you require us to pay claims.

When you can start claiming
You will be able to claim benefits 13 weeks after we receive your first payment. If you upgrade your cover you will not be eligible to claim at the higher benefit rate for 13 weeks.

How to make a claim
Every claim must be accompanied by a fully completed claim form and will be paid in full at 100% of the claim, subject to the appropriate plan limit. You may submit your claim online by visiting ukhealthcare.org.uk and following the simple steps provided. You can also download a claim form from our website, or ring 01204 522775 to request one. Claims should be posted directly to:
UK Healthcare, Regent House, Folds Point, Folds Road, Bolton BL1 2RZ

The following criteria must be applied on submitting a claim:

  • Original receipts are required if posting claims to UK Healthcare. Should your claim be submitted online we reserve, at our discretion, the right to request original receipts on processing your claim
  • Amended or altered receipts will result in a claim being rejected and may ultimately result in your plan being cancelled
  • The receipt must be in the name of the person claiming
  • Details of the treatment must be outlined
  • Details of the practitioner performing the treatment must be provided
  • All claims must be submitted within three months of the treatment date as shown on the receipt otherwise they will be ineligible for consideration Payments will always be made to the plan holder.

We have the right to request a medical report to validate any claim. We promise to adhere to the Access to Medical Records Act 1988 and Personal Files and Medical Reports (Northern Ireland) Order 1991 should such information be requested. We also reserve the right to request a second opinion for any claim. We will accept the costs incurred should such action be taken. This may result in an appointment with a healthcare professional of our choice. Failure to attend this appointment may result in your claim being refused.

On occasion it may also be necessary for us to request a medical declaration from your GP or other medical practitioner. You must pay all costs related to obtaining this report. Payments made outside of the UK will be honoured at the current exchange rate on the date that the claim is paid. All payments will be made in pounds sterling with the exchange rate used being made in that country’s official currency. We will not pay any claim in advance of any treatment being received.

What you can’t claim for
Should you upgrade your cover, any medical condition in existence prior to the upgrade will only be covered at the original level of cover.

  • Any condition/illness that was in existence prior to the policy commencing (excluding dental or optical).
  • Should you upgrade your cover any medical condition prior to the upgrade can only be covered at the original level of cover
  • Any treatment in respect of a nonmedical condition
  • Any medical advice or treatment you received prior to joining
  • Any type of missed appointment
  • Any claims that arise as a result of self-injury or abuse
  • We do not cover prepaid prescription certificates
  • Activities related to hazardous sports injuries. A full list of these is available on request
  • Examinations at a medical centre
  • GP fees for private treatment
  • Pregnancy terminations, contraceptives or gender reassignment operations
  • Cosmetic surgery
  • Drug, alcohol or solvent abuse

Maximum payments
All benefit payments are provided in respect of a twelve month period. Each individual benefit period begins on the date of the first treatment, goods purchased or service that you have received. Each claim for a different treatment starts a new commencement period for that particular benefit. After each benefit period has expired the next benefit period will commence on the date of the next hospital admission or receipted claim request. Should you be charged by a doctor or practitioner for completing any claim such costs will be at your expense.

Overpayment
Should any overpayment of benefit be paid by our underwriter the amount in question must be reimbursed.

Medical Practitioners, Consultants and Specialists
Claims will only be paid if the person providing your treatment or care is a qualified practitioner who meets the following criteria. They must be (depending on their field):

  • Named on the register of specialists maintained by the General Medical Council and/or Dental Council
  • In a position of substantive appointment in a National Health Service Hospital or Armed Service (locums are excluded)
  • In possession of a certificate of Completion of Training from the Royal College of Nursing
  • A qualified dental practitioner
  • A qualified optician or ophthalmic surgeon
  • Registered with the Health Professionals Council
  • Registered with the British Acupuncture Council or The Modern Acupuncture Association or British Medical Acupuncture Society
  • Registered with the General Chiropractic Council
  • Registered with the General Osteopathic Council
  • Registered with The Faculty of Homeopathy or The Society of Homeopaths or the Alliance of registered Homeopaths BTEC qualified
  • Registered with ITEC, FHT or CNCH
  • Registered with MCSP or SRP

Leaving us
You can cancel your plan by giving us one-month’s notice. We will not refund any premiums paid and we reserve the right to prevent individuals from joining again for three years from the date of termination. If you or anyone paying premiums on your behalf misses two consecutive monthly payments we will immediately terminate the agreement. We reserve the right to cancel your plan at our discretion by providing one month’s written notice, and without giving reason. If we suspect any claim is fraudulent we reserve the right to cancel your policy with immediate effect without giving reason. We reserve the right to refuse cover or an upgrade to a higher level scheme again without giving a reason.

UK Healthcare may cancel your plan with immediate effect if we think that you have:

  • Broken our rules
  • Failed to act in the utmost good faith, which includes:
  • Repeatedly making claims that threaten our financial wellbeing
  • Deliberately providing false or misleading information
  • Behaving in a threatening or abusive way towards any member of our staff
  • Making a claim that is false misleading or exaggerated

Fraudulent Claims
If we are suspicious that a claim may be fraudulent we have rigorous anti-fraud measures in place. If proven, fraudulent claims may result in legal action against offenders and cancellation of the plan. Abuse of the plan in any other way may result in cancellation of the plan. We have the right to immediately suspend or cancel your plan and refuse to pay any monies requested. We always prosecute fraudulent claimants and look to recover any costs incurred as a result of action taken. Fraud is a criminal offence that can result in a fine or prison sentence. We monitor claims behaviour on all policies and may request an appointment with you to discuss your claims.

Keeping your details safe
We will store and process your personal data in accordance with current Data Protection legislation. We will use your information for providing our services, for handling your claims, for improving our service and assessing premiums and risks. We may also provide your information to businesses who we work with to provide our services to you, to regulatory, supervisory or other authorities where this is required by law, or if the person requesting the data has in our opinion a legitimate reason to do so. You can ask for a copy of the information we hold and to remedy any inaccuracies at any time. This will incur a small fee. Calls to UK Healthcare may be recorded for training and/or monitoring purposes.

Complaints procedure
Our aim is to provide you with a great customer experience. If you are unhappy with any aspect of our service send full details of your complaint to the Customer Service Manager at:

UK Healthcare, Regent House, Folds Point, Folds Road, Bolton BL1 2RZ
We will acknowledge your complaint as soon as reasonably practicable, if possible we will agree a resolution with you within three working days, otherwise we will investigate and you will receive our final response within a maximum period of eight weeks.
If you are dissatisfied with our response you may refer your complaint to the Financial Ombudsman Service free of charge at Exchange Tower, London E14 9SR, Tel No. 08000234567 or by visiting www.financial-ombudsman.org.uk where you will find more information. The Financial Ombudsman Service is our alternative dispute resolution provider

Changing your mind
You have 14 days from receipt of your membership certificate to cancel your plan. You will receive a refund of any premiums paid within this period only. If you have upgraded your cover and paid for cover you will also be entitled to a refund within the first 14 days. Either email us at This email address is being protected from spambots. You need JavaScript enabled to view it. or call our customer services team on 01204 522775.

Financial ServicesCompensation Scheme
In the unlikely event of us being unable to meet our financial obligations you can claim compensation from this scheme. You can find further details at fscs.org.uk/consumer or contact them on 0800 678 1100.

UK Healthcare is the trading name of Bolton & District Hospital Saturday Council who is responsible for the administration and payment of claims.

Your benefits explained

Dental (NHS & private)
We cover:

✔ Dental treatment, check-ups, hygienist fees
✔ X-Rays
✔ Full or partial dentures
✔ Denture repairs
✔ Dental consultation fees

We don't cover:

✘ Cosmetic dentistry
✘ Non prescribed items and consumables
✘ Dental maintenance schemes
✘ Premiums paid to a dental care contract
✘ Laboratory fees and dental technician fees

Optical
We cover:

✔ Eye tests
✔ Prescribed spectacles, contact lenses
✔ Payments you make for prescription lenses, supplied under a monthly scheme, when you obtain an itemised receipt confirming payment has been made (to be submitted quarterly)
✔ Sunglasses with prescribed lenses
✔ Repairs
✔ Laser eye surgery
✔ Disposable contact lenses

We don't cover:

✘ Non prescribed spectacles or contact lenses
✘ Optical sundry items / consumables
✘ Spectacle contact lens insurance premiums
✘ Part payment of prescriptions
✘ Ophthalmic consultation fees
✘ Off-the-shelf reading glasses

Wellbeing (physiotherapy, osteopathy, chiropractic, acupuncture)
We don't cover:

✘ Any treatment provided by a practitioner not registered with the appropriate professional body
✘ X-Rays and scans
✘ Appliances for lumbar support, books, flexiband, tape, ice or heat packs

Specialist consultation
We cover:

✔ Consultations recommended by your GP
✔ Diagnostic tests
✔ Pathological examinations
✔ Blood tests in relation to diagnostic consultation

We don't cover:

✘ Cost of a referral
✘ Treatment charges
✘ Ambulance charges
✘ Fees incurred other than during illness
✘ Dietician or nutritional services
✘ Visits to GPs or clinics
✘ Operation fees
✘ Investigative charges: CT scans / PET scans / MRI scans / ultrasounds
✘ Anaesthetic fees
✘ Speech therapy services
✘ Biopsy
✘ Counselling services e.g. bereavement,psychiatric, psychological
✘ Assisted conception, fertility treatment or pregnancy care
✘ Check ups including cancer remission
✘ Fees for follow-up consultations

Staying in hospital
Up to 20 nights can be claimed in a 12-month period for any NHS or private hospital stay.
The relevant benefit allowance can only be claimed in respect of each illness or related condition throughout the lifetime of the policy.

We cover:

✔ Immediate cover following an accident even if the qualifying period has not been met

We don't cover:

✘ Respite care
✘ Nights when patients are allowed to leave for any reason
✘ Outpatient treatment
✘ Any stay relating to a pre-existing condition
✘ Attendance at A&E

Hospice
Up to 20 nights can be claimed in a 12-month period for any hospice stay.

We don't cover:

✘ Nights when patients are allowed to leave for any reason
✘ Outpatient treatment
✘ Any stay relating to a pre-existing condition

Surgical Appliances
We don't cover:

✘ Tens machines
✘ Nebulizers
✘ Preventative items worn for short periods of time

Hearing Aids
We don't cover:

✘ Replacement batteries

Helplines - 0800 107 6585
The following services are provided by companies that are contracted to UK Healthcare. We reserve the right to change providers for these services without providing notice to you, unless there is a change to the service provided or contact details.

Scheme Number - 72740
All of the helplines are totally confidential. To use any of the services telephone 0800 107 6585, quote the scheme number (72740) and advise the service that you require:

Private Legal Advice
Confidential legal advice on any personal legal problem such as, but not limited to, employment, consumer contract, landlord & tenant, property, probate and motoring, within the territorial limits of the United Kingdom, Channel Islands and the Isle of Man.

Telephone Counselling
Support on issues such as bereavement, workplace issues, relationship issues, alcohol and drugs, depression and anxiety.

Health & Wellbeing Medical Helpline
Information on supporting a healthy lifestyle, helping with fitness and general well being. The helpline can provide general medical advice and support, but is not a diagnostic service.

Worldwide cover
The benefits of your plan apply to holidays and business trips abroad up to a maximum duration of 28 days. Any documentation submitted must be translated into English for us to process the claim.

Governing Law
The law of England and Wales applies to this contract. A person who is not party to this contract has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any terms of this plan.