Medical Insurance Brochure 2019 - Foresters Healthcare
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Medical Insurance Brochure
2019
Why Medical Insurance? is one of the largest and oldest
Every thinking person in Guernsey established friendly societies. This is
and Alderney realises that medical strictly a non-profit making society,
all funds being applied for the benefit
insurance is a ‘must’ for individuals
of the membership.
and families alike. Ill health can strike
anyone at any time or age without
warning. Unless you and your Security of Cover
family are members of a healthcare Foresters allow you to renew your
scheme, a serious illness can bring cover every year, no matter what
real financial hardship. If you or your your age or health record may Payment of Claims Family Membership,
child were ill, would you have to stop be. Members have the benefit of The system is as simple as we can Group Membership &
and think, “Can I afford a night visit?” experience and expertise acquired make it. Accounts for treatment Affinity Group Discounts
before getting the attention you or over 160 years of operation – and by your GP are sent direct to the
your child needed? Where there are four or more
the confidence of belonging to a Society. As soon as you become members in a family or group,
well-organised society that will not entitled to benefit, you should never premiums may reduce as we operate
Why a Friendly Society? let them down in time of need. see a doctor’s account for primary family and group membership
care again. schemes.
Having decided that it is only
sensible to safeguard against medical Value for Money Accounts for special procedures Reduced premium rates are
accounts, which scheme should you From the benefits detailed on page and treatment received in the charged to all members that are 25
join of the many available? Friendly 4 you will see that although we have Emergency Dept. are sent to the years of age or under (subject to a
Societies, though differing in details, a limit of £6,000 on the amount you patient first. This is because not satisfactory medical report).
will offer additional benefits over can claim each year we believe this is every society offers the additional
and above the medical insurance a very generous limit. benefits, which the Foresters The Society will also accept part
you pay for – for example, dental provide and not every member family/group membership.
and optical grants, financial help for Individual limits are set on surgery, chooses to receive these optional
orphans and student grants. physiotherapy and other available benefits. In some circumstances a parent
benefits, but by paying for additional or child(ren) may not wish, or be
units of benefit, as detailed on page eligible, to join the Foresters and
Why the Foresters? 5 realistic cover can be achieved Premiums where some societies insist on
Established in its present form as against the majority of minor Every effort is made to arrange the complete families or nothing we are
long ago as 1834, the Foresters operations and other treatments. method of payment which suits very happy to accept any number of
you best. Payments can be made applicants.
annually, half annually, quarterly or
monthly by means of cheque, cash,
card payments and direct debits. Cancellation
A member may cancel the Policy
at any time but should give written
Prompt Service instructions and a refund would be
Inquiries for membership receive sent for any full months unexpired
our immediate attention. period of cover unless notification
When you have joined the Foresters, of a claim has been received by the
any inquiry or request will receive Society since renewal date.
the same prompt attention.
2 3
Additional Benefits Scheme each item per calendar year. It is not
necessary to chose which items you
Optional “add-on” scheme.
require cover for, each unit provides
Overleaf is a table of covered items cover for all items as listed.
within our Additional Benefits
scheme. Members can select a Additional benefits cover will
Primary Care Scheme months membership/contributions commence after three months
have been made. This may be number of units between 1 and
Our Primary Care scheme is 10 in order to tailor the amount of membership/ contributions have
designed to provide the base level reduced at the discretion of the
cover required to their personal been made. This may be reduced at
of cover needed for Guernsey and Society.
requirements. the discretion of the Society.
Alderney residents.
All consultations are paid at the rate
Each unit provides the value of Geographic limit - Guernsey
The scheme provides cover for; set by your doctor’s surgery less the
grant paid by the States of Guernsey cover shown towards treatment for & Alderney
Doctor’s and nurses
Social Security Department for
consultations, at the surgery or
residents of Guernsey and Alderney.
at home.
Blood tests. Double/Extended consultations Premiums
Simple injections. with a doctor or nurse are excluded Adult, Young Adult & Child
from cover. These consultations
Ear syringe/suction. Monthly Unit Rate: £1.00 per unit (per person)
will be paid at the rate of a single
Smear tests. consultation, less the grant paid by Annual Unit Rate: £12.00 per unit (per person)
Attend and Assessment the States of Guernsey.
Consultations at the Emergency *No discount is available for the Additional Benefits scheme in respect of annual policies.
Department. There is an overall limit of £6,000
paid in total in each calendar year
Primary Care Consultations at
for treatment received within the
Princess Elizabeth Hospital.
Primary Care Scheme.
Essential Ambulance
conveyance, Primary Care cover Geographic limit - Guernsey
will commence after three & Alderney
Premiums
Adult
£47.67 per person per month or £543.44 per person per year
Young Adult (19-25)
£40.60 per person per month or £462.78 per person per year
Child (18 and under)
£33.52 per person per month, or £382.12 per person per year
*5% discount applied to policies paid annually in advance.
4 5
6
Amount Covered per Unit
Item of Cover
One Unit Two Units Three Units Four Units Five Units Six Units Seven Units Eight Units Nine Units Ten Units
Minor & Intermediate
Procedures at a GP
practice surgery /
£150.00 £300.00 £450.00 £600.00 £750.00 £900.00 £1,050.00 £1,200.00 £1,350.00 £1,500.00
Minor & Intermediate
Categories at the
Emergency Dept.
Dental Anaesthesia for
oral surgical procedures £150.00 £300.00 £450.00 £600.00 £750.00 £900.00 £1,050.00 £1,200.00 £1,350.00 £1,500.00
performed at the hospital
Physiotherapy,
Osteopathy, Chiropractic
Treatment, Acupuncture,
Doppler, Lyphodema £60.00 £120.00 £180.00 £240.00 £300.00 £360.00 £420.00 £480.00 £540.00 £600.00
and Bowen Therapy
with a locally registered
practitioner*
24 hour blood pressure
£60.00 £120.00 £180.00 £240.00 £300.00 £360.00 £420.00 £480.00 £540.00 £600.00
monitoring
Allergy Testing £60.00 £120.00 £180.00 £240.00 £300.00 £360.00 £420.00 £480.00 £540.00 £600.00
Electrocardiograph (ECG)
£60.00 £120.00 £180.00 £240.00 £300.00 £360.00 £420.00 £480.00 £540.00 £600.00
& 24 hour heart monitoring
Additional Benefits Table of Cover
Special Injections £60.00 £120.00 £180.00 £240.00 £300.00 £360.00 £420.00 £480.00 £540.00 £600.00
Well person checks £60.00 £120.00 £180.00 £240.00 £300.00 £360.00 £420.00 £480.00 £540.00 £600.00
Vitalographs & Spirometry £60.00 £120.00 £180.00 £240.00 £300.00 £360.00 £420.00 £480.00 £540.00 £600.00
Audiometry Test £60.00 £120.00 £180.00 £240.00 £300.00 £360.00 £420.00 £480.00 £540.00 £600.00
Laser Treatment for
removal of broken
£60.00 £120.00 £180.00 £240.00 £300.00 £360.00 £420.00 £480.00 £540.00 £600.00
blood vessels after radio
therapy
* to a combined maximum. All of the above items are covered for treatment performed by a GP at the practice surgery unless otherwise stated
Scheme
Category
Category
Elizabeth Hospital.
Optional “add-on” scheme.
Major and Critical Care
Department of the Princess
The “Major and Critical Care”
The scheme provides cover for;
schemes towards treatment that
scheme is designed to extend the
can be received in the Emergency
cover already provided with other
Emergency Department Major
Emergency Department Critical
Premiums
Alderney
£60.00 per person per year
Adult, Young Adult & Child
£5.00 per person per month or
£1000.00 per calendar year.
the discretion of the Society.
commence after three months
Geographic limit - Guernsey &
membership/contributions have
*No discount is available for the Major and Critical Care scheme in respect of annual policies.
Major and Critical Care cover will
above items to a combined limit of
The scheme provides cover for the
been made. This may be reduced at
7
Exclusions Contraception consultations for
contraceptive or medical
No compensation shall be payable in purposes including,
respect of:
Fitting of Devices.
Double or extended
consultations by a doctor Operations.
or nurse. Drugs or Injections.
Specialist or specialised Foot care, Chiropody or Podiatry.
consultations with a GP or
procedures exceeding primary Private Treatment or Facilities
care or, including,
Treatment or consultations at Consultations.
Medical Specialist Group or,
Operations or X-Rays/Scans.
Ex-Gratia Grants After two years membership has
Treatment recommended by
been completed a member may Blood Tests.
The following grants do not the Medical Specialist Group.
be entitled to a grant in respect of
form part of our primary care or convalescent home care. Administration Fees including
Dietician Fees.
additional benefits scheme. charges for,
After two years membership has Homeopathy – All forms.
After completing twelve months Acquisition of letters, forms or
been completed a member may be
membership of the Society, each reports from your doctor.
entitled to an Educational Award Massage Treatment.
member may be entitled to: grant. Failed or missed appointments.
Prescriptions fees or medication.
A one off claim from our dental Members may also make a grant Overdue accounts.
fund per calendar year is respect claim for financial loss due to the Holiday and Travel consultations
of dental treatment. including, Treatment received outside
result of a natural disaster i.e.
Guernsey and Alderney.
storm, flood or lightning strike Vaccinations or Drugs.
A one off claim from our optical etc. All claims, if considered worth
fund per calendar year in respect Purchase or hire of equipment
of assistance in excess of funds Injections.
of optical treatment and glasses and sundries.
available with the court may be
contact lenses. referred to Head Office with a
request from the Court for an
A one off claim from subsidiary
additional grant.
benefit fund per calendar year.
Payments under this fund are at Please note the above are goodwill
the discretion of the Society, grants available only as funds
to be used to assist members permit and are not eligible for
in financial hardship in respect increase under our insurance
of medical treatment (within scheme(s).
standard policy rules).
The amount claimable for the above
grants is a third of the account(s)
value, to a maximum of £120.00.
8 9
Premiums Discounts
5% Annual Pre-payment discount Young Adults (19-25) may be eligible
available on Primary Care scheme. for a 15% discount.
All policies are payable on a monthly, Children (18 and under) may be
quarterly, half-annual or annual eligible for a 30% discount.
basis.
Family or corporate group discounts
Accepted payment methods are: are available at the following rates:
Direct Debit, Credit/Debit Card,
Cheque or Cash. 4 Members .................................................. 10%
5 Members .................................................. 15%
Standard Premium Rates: The
Society reserves the right not 6 Members .................................................. 20%
to accept any application for
7 Members .................................................. 25%
membership or to charge non
standard premium rates where 8 Members or More ............................ 30%
an applicant has a pre-existing
condition or presents a non Other discounts are available with
standard risk. Premium rates are affiliated groups such as employers,
subject to annual review. Non trade unions or membership club
standard rates may be applied at the benefits. To see if you are eligible
discretion of the Society. for a discount with any of these
affiliations please contact our office.
Please note, discounts on any Data Protection
members policy may not exceed
On 25th of May 2018, The Data Please note that the basis for
a 30% maximum from the gross
Protection Law (Bailiwick of processing your personal data is the
premium.
Guernsey) Law, 2018 (Guernsey’s conclusion of a contract between us
quivalent legislation to the European and you – the contract being your
Union’s General Data Protection policy with us – as evidenced by your
Regulation (GDPR)) came into force. completed application form. We will
only use your data for the purposes
Foresters Healthcare is registered for which it was provided. We can
with the Office of the Data also confirm that we only hold the
Protection Commissioner in data necessary for your policy, and
Guernsey for the processing of data. that this data is only retained by us
We seek to comply fully with the for a fixed period after you cease to
Law and our Privacy Notice be a policyholder with us.
giving further information about
how we comply with the Law Should you have any further
can be found on our website: questions in respect of our
www.forestershealthcare.co.uk. compliance with the Data Protection
Alternatively, a hard copy can be legislation, please feel free to
requested from us. contact us.
10 11
COURT PRIDE OF SARNIA
Branch number 8143
Once accepted into membership you will be welcome to attend
Meetings and Social Events.
Are your friends and relatives members?
If not tell them about the Order and the advantages of joining and you may be
eligible for an introductory bonus if their application is accepted.
For further information please contact us at:
Esplanade House
29 Glategny Esplanade
St Peter Port
Guernsey
GY1 1WR
Tel: (01481) 728864
Fax: (01481) 728705
Email: info@forestershealthcare.co.uk
Licensed by Guernsey Financial Services Commission
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