Personal Health is a flexible and affordable product. Members can choose from a range of five options – or any combination – to create a policy which best suits their needs. Options include out-patient tests and consultations; acute surgery; complementary therapy; treatment for cancer and heart conditions; and dental and optical.
Personal Health uses BCWA’s ground-breaking new claims handling and customer care methodology, ‘Service+’, to position the product at a lower price than other PMI policies and to simplify the claims process for members by removing the paperwork burden.
Personal Health helps to keep treatment costs down and your premiums too. Because they arrange your treatment with specialists and hospitals, they are able to use their expertise to negotiate the best price. This is why we insist that we arrange the treatment on your behalf, and the hospital may not be your first choice.
Service+ is there to help and they will arrange your treatment plan for you. If you need to stay in hospital, they will pay for a private room in a hospital within 35 miles of your home. They will manage the claims process and usually settle eligible bills directly with hospitals and doctors.
Benefits Available:
With Personal Health you choose from a range of five options that best suit your needs. You can have any combination or all the following options – the choice is yours.
• Option 1 - Out-Patient Tests and Consultations • Option 2 - Acute Surgery • Option 3 - Complementary Therapy • Option 4 - Treatment for Cancer and Heart Conditions • Option 5 - Dental and Optical Treatment
To help you decide which the best options for you are, you will need to refer to the Policy Document Brochure which includes full details of the benefits, and the exclusions and rules that apply to them.
As all Treatment that will be paid for is arranged by BCWA, You must call the Service+ Helpline before arranging Treatment. They will only pay for Treatment arranged through the Service+ Helpline.
Who can join the plan…?
You may include a spouse or partner under the age of 65, and unmarried dependent children under the age of 21, or up to 25 if in full time education. All you have to do is complete an application form.
New born children All you have to do to include new born children is to complete an application form on their behalf. Provided they are enrolled within 3 months of birth, they will be accepted without evidence of health and no additional contributions will be payable until the annual renewal date following the birth.
How much does it cost? The amount you pay depends on a number of factors including your age, how many people you wish to cover, whether or not you smoke and which options you choose. You may pay annually or monthly. Annual premiums will benefit from a discount.
Low Claims Discount All new members to the scheme enjoy a discount from the full cost of the first year’s membership. We will increase the value of your discount by an additional 5% at each subsequent renewal, provided your claims for the year represent less than 33% of the premiums paid. The value of the Low Claims Discount is calculated for each person covered under the scheme. The maximum Low Claims Discount that can be applied is 50%. If in any year claims are higher than 66% of the premiums payable then you will lose 10% of your discount, based on the premium payable before discount. Although it is possible to lose accumulated discounts over time, your premiums will never be more than the standard rate applicable at that time.
Can I add options later? You may add new options at the Annual Renewal Date of your policy. If you choose to do this, new underwriting terms will be applied to that option and you will need to decide which of the two methods of underwriting you wish to apply to that option.
Making a claim with Service+
Service+ is all about you, removing the worry at a time when your attention should solely be on getting better.
It follows 4 simples steps to each claim.
Visit your GP. If you need private treatment call BCWA on 0800 294 7301.
Their friendly and experienced staff will authorise and arrange your treatment at a time to suit you. In most cases it is as simple as that - no claim forms and no paperwork to complete.
BCWA will make arrangements for your treatment and confirm to you your treatment plan by phone and letter.
Attend your appointment. They will handle the administration and settle authorised accounts direct with the provider. If further treatment is required that is not part of your agreed treatment plan just call them to arrange... It really is that simple.
Additional Services
BCWA members benefit from the following additional services:
Advice Lines
24 hour Counselling Service
BCWA Advice Lines From time to time members may need information or advice on a wide range of subjects but it can be difficult to find the right person to ask. Now members can get the information they need, whenever they need it.
A call to the BCWA Advice Lines puts members in touch with one of a team of experts. Lines are open 24 hours a day, 365 days a year and topics covered are as follows:
Medical and health information
Travel advice
Childcare
Homecare
Bereavement information
24 hour Counselling Service There are times when people face problems that they find difficult to discuss with their family or friends. But not discussing a problem and leaving it unresolved can make it even worse. The counselling service gives members access to a team of highly experienced and professionally trained counsellors.
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It follows 4 simples steps to each claim.
