Policy Summary
HSF health plan health plan Limited is the provider of this Health Cash Plan. The Personal Accident 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 on this website
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. Access to helplines offering legal information, medical information and stress counselling is also provided.
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, explanations and rules provided, are shown on the website and in a brochure. (Available as a PDF download or on request from HSF health plan health plan)
Paying contributions and changing your mind
Details of the prices of each scheme are shown on this website. Payment can be made by Direct Debit, Credit Card or Debit Card. When your application is accepted you will receive a registration pack. This will include details of any benefit restrictions which will need to be placed 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 London). 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 020 7202 1381, in writing to HSF health plan health plan, 24 Upper Ground, London SE1 9PD or by downloading. Please quote your registration number. They are pre-printed with certain details to save you time. When you telephone or write you may enquire about how much benefit you will receive. Receipts must be sent with the claim form. Your payment will be made by cheque.
If you have a complaint about our services
We endeavour to provide a high standard of service 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 not happy with the decision made by the Board you may request consideration 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 0845 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 (No 202182) and Chubb Insurance Group of Europe S.A. (No 202736) are authorised and regulated by the Financial Services Authority. (This may be checked on the FSA Register by visiting the FSA website www.fsa.gov.uk/register or call 0845 606 1234). In the unlikely event of our going out of business, you are protected by the Financial Services Compensation Scheme. Should this occur, any valid outstanding claims will be paid by the Scheme. This cover is limited to the first £2,000 of the outstanding claim, plus 90% of the remainder without limit. The Head Office for the HSF health plan health plan is 24 Upper Ground, London SE1 9PD.
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 Accident. 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.