HSF health plan health plan Limited is the provider of this cash plan. The Personal Injury benefits outlined are underwritten for HSF health plan health plan by Chubb Insurance Company of Europe S.A.. This underwriter may be changed occasionally.
About the HSF health plan health schemes
They provide cover for you and your family (a partner and all children up to the age of 18 who live at the same address) against the everyday costs of such things as a visit to the dentist, optician and various practitioners, and make grants for hospital admission and the birth of a baby.
Some benefits relate to the cost of the services you have received which are payable when you send in your receipts. Other benefits are a fixed rate, for example a fixed amount for each night spent in hospital or for the birth of a baby, or bodily injury from an accident. The benefits provided by the various schemes are explained on this website. A number of benefit conditions apply with the main ones being (and explained fully in the relevant section of the Rules and further explanations of benefit categories or General terms and conditions):
- There is a total limit on benefits calculated on a rolling balance over a 12 month basis with a further limit from registration on some hospital benefits. See Claims and Hospital.
- The qualifying period shown for each benefit is explained in Qualifying periods and restrictions.
- Pre-existing conditions and health problems when you join or increase contributions, or which arise during the qualifying periods, are not covered under many scheme benefits. See Qualifying periods and restrictions and Increasing contributions.
- The maximum scheme entry age is 65. See Registration.
- Switching between schemes is allowed. See Increasing contributions and Decreasing or ceasing contributions for the terms.
Full policy terms and conditions, and the benefits provided, are available.
Paying contributions and changing your mind
Details of the prices of each scheme are shown in this brochure. Payment can be made by payroll deduction through your employer. When your application is accepted you will receive a registration pack. This will include details of any benefit restrictions which will need to be plChubbd if you or a member of your family have any existing medical conditions. On receiving confirmation of registration, you have 14 days in which to change your mind and withdraw your application (telephone or write to the HSF health plan office in Ennis). If any contributions have been paid you will receive a full refund providing no claims have been settled. See Decreasing or ceasing contributions for cancelling after this period.
Duration of cover in the plan
Cover is provided continuously from month to month, beginning with your registration date, until it is cancelled or otherwise comes to an end. It is automatically renewed.
Making a claim
At the conclusion of the stated qualifying periods you may start claiming. Forms are provided on request by telephoning 1890 473473, or writing to HSF health plan health plan, Clare Road Mall, Clare Road, Ennis, Co Clare, or by downloading. If you telephone or write you may enquire about how much benefit you will receive. Please quote your registration number. Receipts must be sent with the claim form. Your payment will be made directly into your bank account or by cheque.
If you have a complaint about our services
We endeavour to provide a high standard of services to contributors and welcome comments and suggestions. Should you find it necessary to make a complaint you should write in the first instance to the Chief Executive at either address. If your complaint is not resolved to your satisfaction it may then be considered by the Board of Directors. If you are unable to accept a decision made by the Board you may request adjudication by an independent complaints panel appointed by the British Health Care Association. Any complaint which cannot be settled may be referred to the Financial Ombudsman Service at South Quay Plaza 2, 183 Marsh Wall, London, E14 9SR or telephone them on 0044 845 080 1800. Full details of our complaints procedures are automatically sent on receipt of a complaint and at each stage relevant addresses are provided. Such details are available on request at all times. These procedures do not prevent you from taking legal action.
Regulation and Compensation
HSF health plan health plan Limited is regulated in Ireland by the Department of Health and Children. It is registered as a Branch, No. 904935, by the Companies Registration Office in Ireland and authorised and regulated by the Financial Services Authority in the United Kingdom, No. 202182. Chubb Insurance Company of Europe S.A. is regulated by the Irish Financial Services Regulatory Authority, No. 33672 as well as the Financial Services Authority in the UK, No. 202803 (the UK details of HSF health plan and Chubb may be checked on the FSA Register by visiting the FSA website www.fsa.gov.uk / register or telephone 0044 845 606 1234). In the unlikely event of our going out of business, you are protected by the Financial Services Compensation Scheme in the UK. Should this occur any valid outstanding claims will be paid by the Scheme. This cover is limited to the first £2,000 (euro equivalent) of the outstanding claim, plus 90% of the remainder without limit. The Head Office of HSF health plan health plan is 24 Upper Ground, London SE1 9PD, England.
Statement of demands and needs
This product meets the demands and needs of individuals and families who wish to manage their health care expenses such as dental and optical, hospital admissions, consultations and investigations and personal injury. Advice is not available from HSF health plan, and applicants should choose the scheme to suit their personal circumstances and review in future whether this remains suitable.