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We offer competitive health plans that cover a variety of options, ranging from help with everyday costs to more comprehensive private health insurance.
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When you left your group healthcare scheme, we gave you two options:
If you chose the second option - we asked you two questions (known as a 'simplified declaration'), so we could give you a fair and accurate price:
If you were able to answer ‘no’ to both these questions, you would have been allowed to continue with the same underwriting terms that you had on the group scheme.
If you answered ‘yes’ to one or both of the questions, you would have been given more options:
Whichever option you chose, treatment will be authorised in line with the terms and conditions of your plan.
A reference to this declaration will appear on your ‘Membership certificate’. When you make a claim, we may ask your GP or specialist for some information to confirm the answers you gave. Once they’ve confirmed this, we’ll be able to authorise treatment in line with your plan’s terms and conditions.
is any disease, illness or injury that:
Trouble-free means that you have not done any of the following for the
medical condition you need treatment for:
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