HSF

Dental and Optical

Sundry items purchased at Dental Surgeries and Opticians premises, eg. solutions, cleaners, contact lens removers, floss, are not covered and prescription charges for any kind of medication are not covered under this category. Claims cannot be accepted for the purchase of spectacles supplied without prescription or for any dental treatment not carried out at a dental surgeon's practice (eg. if undertaken at a cosmetic outlet).

Consultations with Consultant Oral Surgeons, Consultant Facio-Maxillary Surgeons, Consultant Orthodontic Surgeons and Consultant Ophthalmic Surgeons are not covered under this category. These should be claimed under the Specialist and Investigations category. The cost of treatment or operative procedures undertaken by these Consultants is not included in any category.

If eye laser treatment (to correct long or short sightedness) is carried out by a Consultant Ophthalmic Surgeon or undertaken in hospital as a day case patient or an inpatient, claims cannot be accepted for Specialist and Investigations or for Hospital or Day Case in addition to the Optical category.

Rules concerning pre-existing conditions do not apply to this particular category.

Practitioner: Physiotherapy, Osteopathy, Chiropractic, Acupuncture, Homoeopathy, Chiropody/Podiatry

The maximum payable between all eligible registered persons is also between the above six headings. It is not, for example, £1,000 for each of the six. Claims will only be accepted with receipted invoices from qualified practitioners. Contributors and dependants, in their own interests, should only consult properly qualified practitioners who are registered with professional organisations which maintain high standards. The cost of any appliances or medication supplied or prescribed by the practitioners is not included, and claims cannot be accepted for prophylactic treatments or sports massage/therapy. Consultations with Consultant Podiatric Surgeons (of hospital consultant status) are not covered under these benefits. These should be claimed under the Specialist and Investigations category. The cost of treatment or operative procedures undertaken by these consultants is not included in any category.

Specialist and Investigations

Claims must be for consultations on an outpatient basis only and carried out by a doctor of consultant status. Treatment (including radiotherapy) and operative procedures (including delivery of a baby) are not covered, neither is any radiography during such treatment/procedures. Reimbursement is only on the initial consultation with a Consultant Psychiatrist, subsequent visits are classified as treatment. Claims cannot be accepted for examinations/investigations carried out for medico-legal reports, possible legal evidence, or for insurance, employment fitness/occupational assessments or immigration/emigration purposes.

The following are covered under investigations:

Any investigations undertaken, on an outpatient basis only, in a hospital X-ray, scanner, pathology or nuclear medicine/medical physics department (or its equivalent elsewhere); electrocardiogram, electroencephalogram; electromyogram, audiogram and orthoptic investigations. Claims are accepted for visits to health screening clinics if a letter or certificate from the contributor's/dependant's General Practitioner is provided and indicates that the screening was on his/her recommendation.

For allergy testing, the initial consultation and diagnosis of problems by a qualified practitioner with a personal consultation in a clinical environment (not a retail outlet) is covered but not any subsequent consultation, therapy or treatment.

The following are NOT covered

All invasive investigations, such as endoscopies, and those carried out with some form of anaesthetic requiring occupancy of a bed on a day stay basis. The Day Case benefit may be claimed in these circumstances if applicable.

Birth Grant

The qualifying period relates to inpatient treatment and all other categories for consultation, investigation and treatment associated with the pregnancy. Hospital benefit relating to the mother or baby is not payable to male contributors who do not reside at the same address as their partner. This grant is also paid for a still birth if an official certificate is submitted.

Adoption Grant

A claim under this category may not be submitted until HSF health plan cover has been of at least 10 months' duration. The adoption certificate should be dated after the end of this qualifying period and before the child's 10th birthday. Children already registered may not subsequently be the subject of an Adoption Grant by either parent.

Hospital

The hospital or hospice must be in the United Kingdom or Ireland and its name and admission and discharge dates should be clearly stated on the claim form. Benefit is payable to each eligible registered person for up to 40 nights in any consecutive 12 calendar months. The amount payable is the stated grant and no direct costs involved with the hospital admission are covered.

Benefit is restricted to 50 nights in total in a period of continuous cover, regardless of scheme, for each eligible registered person to whom it applies for admissions: for congenital disorders in babies and children for whom a Birth Grant has been paid to a parent; to mental illness or geriatric (elderly medical/long stay/rehabilitation/respite care/General Practitioner care) wards. These 50 nights are counted as part of and not in addition to the ruling in the sentence above eg. within a 12 month period the number of nights for which benefit is payable will not exceed 40 regardless of the reason for admission.

In accordance with the usual practice, the date of admission is counted as the first night but the date of discharge is not counted. Time spent within an Accident and Emergency Department (A&E) is not considered as part of an admission unless the hospital declares it to be so in accordance with their records. Claims must be submitted after each discharge from hospital. Weekend leave or longer periods of home leave do not count as a discharge, although no amounts will be paid for nights spent at home. Transfers from one hospital to another without a period at home in between are counted as a continuous period in hospital.

In cases of long stay admissions a claim may be submitted after 40 nights and an amount will be paid up to the number of nights due within the rules. Recuperation only, as appropriate, will be payable upon discharge. However, if an admission extends beyond 12 months a further claim may be submitted. There are special rules for these unusual circumstances. If, on the date of admission to hospital, the benefit limit is shown to have been reached in the preceding 12 months then no payment is made for that admission at all unless the current admission is of a duration which takes it past the anniversary of the discharge date 12 months earlier. In these cases the balance of nights due will be paid.

Recuperation

This grant is paid automatically, subject to qualifying for the appropriate number of nights in the hospital categories and actually having been discharged. There is no requirement to make an additional claim. If readmissions occur after less than seven nights following discharge, and the second or subsequent admissions by virtue of their length would also qualify for a grant, only one such grant will be paid at the rate set for the longest of the admissions. The grant is not payable when an admission includes a confinement and qualifies for the Birth Grant.

Day Case Surgery and Treatment

The claim form must be signed by an official at the hospital and bear the official stamp to verify the information given by the contributor. Anyone admitted overnight following a Day Case attendance will be entitled to the Hospital and not the Day Case benefit. The following are not included: Geriatric, psychiatric or rehabilitation day hospitals or units; an unplanned day or period spent in an Accident and Emergency or Casualty Department; minor surgery, treatment or procedures undertaken in outpatient or similar departments.

The amount payable is the stated grant and no direct costs involved with the hospital admission are covered.

Home Care Assistants and Home Help

This category does not include home nursing and is designed to give short-term assistance with the costs of housework for those incapacitated by an illness, and being unable to work, or recuperating at home following a hospital admission. All claims must be submitted with receipts and any private arrangements made with any organisations other than the Local Authority must be accompanied by a letter or certificate from the General Practitioner stating the reason for the assistance and the length of time for which it was required.

Personal Accident

1. Payment for any Permanent Disablement not shown in the Benefits pages will be based on a medical assessment of the disability in relation to the table and not in relation to the Insured Person's ability to work.
2. If the Insured Person was already disabled before an Accident or already had a condition which is gradually deteriorating, the payment will be reduced. The reduced payment will be based on a medical assessment of the difference between:
   1. the Permanent Disablement after the Accident; and
   2. the extent to which the Permanent Disablement is affected by the disability or condition before the Accident.
3. If the Insured Person claims for loss of limb, he/she cannot also claim for parts of that limb.
4. The most an Insured Person can receive for Permanent Disablement resulting from any one Accident is the amount specified for Permanent Total Disablement.

Definitions

1. Accident means a sudden unforeseen and fortuitous identifiable event and the word accidental shall be construed accordingly.
2. Bodily Injury means injury to an Insured Person which (solely and independently of any other cause) results in the Injured Persons Death, Permanent Disablement, Temporary Disability or Fracture of a specified bone or bones. Bodily Injury excludes any condition that results due to any gradually operating cause or degenerative process.
3. Permanent Disablement means disablement which has lasted for at least 12 months and from which it is believed the Insured Person will never recover.
4. Permanent Total Disablement means disablement caused other than by loss of limb or sight which, having lasted for at least 12 months, will in all probability entirely prevent the Insured Person from engaging in or giving attention to a profession or occupation of any and every kind for the remainder of his/her life.
5. Loss of Sight means total and irrecoverable loss of sight when an Insured Persons name has been added to the Register of Blind Persons or when the degree of sight remaining after correction is 3/60 or less on the Snellen chart.
6. Temporary Disability means disablement which prevents the Insured Person from engaging in or giving attention to his/her normal, gainful occupation or which confines the Insured Person to his/her home on medical grounds.
7. Benefit Period means the total period (but not necessarily consecutive period) for which the Temporary Disablement benefit is payable in respect of any one Accident to any Insured Person. Note: Odd days will be paid at 1/7th of the specified weekly rate.
8. Deferment Period means a period of temporary disablement during which the Temporary Disablement benefit shall not be payable.

Exclusions
No Benefits will be payable:

1. If the Bodily Injury is caused by: war or any act of war; the Insured Person serving full-time in the armed forces of any country or international organisation; suicide, attempted suicide or deliberate self-inflicted injury by the Insured Person (even if they are insane); the Insured Person taking part in air travel, unless as a passenger; a sickness or disease; Repetitive Stress (Strain) Injury or Syndrome or any other condition or injury which develops over a period of time.
2. For any disabilities caused by or arising from Post Traumatic Stress Disorder or related syndromes or any psychological or psychiatric condition.

The Personal Accident categories are underwritten on behalf of HSF health plan health plan by Chubb Insurance Company Of Europe S.A. which is authorised and regulated by the Financial Services Authority for the conduct of business in the UK. HSF health plan health plan is an intermediary acting on behalf of the contributor dealing exclusively with Chubb Insurance Company Of Europe S.A.. The entire administration of the Personal Accident benefits, which may include medical and other enquiries, is carried out by Chubb as soon as receipt of your claim has been acknowledged. The address and contact telephone number will be indicated in the acknowledgement letter.