health and lifestyle

Document Sample
health and lifestyle Powered By Docstoc
					                                                                                           Your
               • Colleague assistance programme • Health cash plan •                       health and           Fantastic
                • Plan4Life cancer cover • XXXXXXXXXXXXXXXXXX •
               • Online health assessment • Food intolerance testing •
                 • Discounted optical care • Annual travel insurance •
                                                                                           lifestyle           FREE
                   • Personal accident plan • Care4 life insurance •                       benefits booklet     benefits!
                      • SecureHealth private medical insurance •


                                                                                                              • Colleague
                                                                                                                assistance
                                                                                                                programme
For further information on any of
the benefits included in this booklet                                                                         • Health assessment
please contact BHSF on
                                                                                                              • Accidental death
XXXXXXXXX                                                                                                       cover
XXXXXXX | XXXXXXXXXXXXXX
                                                                                                              PLUS...
                                                                                                              • Discounted optical
                                                                                                                care

                                                                                                              • Discount vouchers
                                                                                                                for many retail outlets
XXXXXXXXXXXX
XXXXXXXXXXXXXXXXXXXXX                                                                                          ...and many more
Tel. XXXXXXXX Fax. XXXXXXXX Email. XXXXXXXXXXX
Calls to our office are recorded and maybe monitored for training and security purposes.                       benefits chosen just
Registered in England number XXXXXXX.                                                                          for you
A member of the Financial Ombudsman Service.
Authorised and regulated by the Financial Services Authority

OS 616 10/10
Your health and lifestyle benefits booklet                   Contents




Welcome                                                      FREE   Colleague assistance programme                                             03 - 04
                                                                    Health cash plan                                                           05 - 06
                                                                    Plan4Life - cancer insurance                                               07 - 08
SecureHealth is committed to delivering high quality
popular benefits at a price that gives real value. In this
                                                             FREE
                                                                    Something for everyone - xxxxxxxxxxxxxxxxxxxxxxxx.co.uk                    09 - 10
booklet, we have partnered with BHSF and brought             FREE   FREE health assessment and food intolerance testing                        11 - 12
together a range of health and lifestyle benefits.                  Discounted optical care                                                    13 - 14
                                                                    Annual travel insurance                                                    15 - 16
Benefits range from important issues like health and
stress initiatives to more light hearted matters such as            Personal accident plan                                                     17 - 18
days out for you and your loved ones. Included in this              Care4 - life insurance                                                     19 - 20
booklet are details on how to take advantage of the                 SecureHealth private medical insurance                                     21 - 24
offers either by completing the application forms or by      FREE   FREE accidental death cover                                                25 - 26
registering for “xxxxxxxxxxxxxx” through the website.

So now it's up to you to decide which of our solutions is           What to do next...                                                         27
right for you and your family                                       Request a food intolerance test                                            28 - 29
                                                                    Health cash plan FAQ and application form                                  30 - 33
                                                                    Plan4Life FAQ and application form                                         34 - 37
                                                                    Personal accident cover FAQ and application form                           38 - 41
                                                                    Care4 FAQ and application form                                             42 - 45




                                                                                                                                   Remember
                                                                                                                              take advanta to
                                                                                                                                          ge of your


                                                                                                                          FREE
                                                                                                                           be       nefits


                                                                                                                                          Contents | 02
                                                      Colleague assistance                                                                FREE
                                                                                                                                            benefit


                                                    Confidential support for you and your family.
                                                    Just by being a colleague you can access the
                                                    benefits below.
                                                    Telephone helpline                                     Medical advice
                                                    You and the members of your immediate                 General guidance and information is
                                                    family who normally reside with you, now              provided on a wide range of medical issues
                                                    have the benefit of immediate access to a             including paediatrics, infectious diseases,
                                                    confidential telephone counselling service            alternative medicine and pre- and
                                                    that operates 24 hours a day, 365 days a              post-operative advice. Advice is also
                                                    year.                                                 provided on hospitals, national help
                                                                                                          organisations and support groups.
                                                    Financial advice
                                                    Financial advice is limited to the
                                                    management of or restructuring of debt,
                                                    dealing with creditors and/or financial                   Remember...
                                                    problems. No advice would be provided in
                                                    relation to the suitability of specific financial
                                                                                                              • This service is free of charge
                                                    services.
                                                                                                              • You can use it as often as you wish
                                                    Legal advice                                              • This is a confidential service - you may
                                                                                                                remain anonymous
                                                    Legal advice from independent experienced                 • This service is available for you and
                                                    lawyers is available to you and members of                  your family any time of the day or night
                                                    your family. The advice is, in most cases,                • This service can help you to help
                                                    immediate and is geared to providing you                    yourself, now and in the future
                                                    with easily-understood practical advice.
      Confidential support with no restriction on
      the number of times you use the service,                                             24 hour, 365 days a year
                                                                                     confidential telephone helpline service
      and the content of your call is totally
      confidential.                                                          xxxxxxxxxxxxxx         (XXXXXXXXX)




03 | Colleague assistance                                                                                                      Colleague assistance | 04
                                                                                             Premiums (Payable monthly)
                                                                                                                                                                        Bronze           Silver          Gold                   Platinum
                                                                                             Including Insurance Premium Tax

                                                                                             Personal (Policyholder only)                                                £12.50         £15.50         £18.00                   £28.50

  Health cash plan                                                                           Single parent (Policyholder and children)

                                                                                             Couple (Policyholder and partner)
                                                                                                                                                                         £15.50

                                                                                                                                                                         £22.50
                                                                                                                                                                                        £19.50

                                                                                                                                                                                        £28.00
                                                                                                                                                                                                       £23.00

                                                                                                                                                                                                       £32.00
                                                                                                                                                                                                                                £35.00

                                                                                                                                                                                                                                £51.00
                                                                                             Family (Policyholder, partner and children)                                 £25.50         £32.00         £37.00                   £58.00

                                                                                                                                                                                                  Maximum amount

Affordable cash based health insurance.                                                      Benefit type                                   Benefit
                                                                                                                                                                        Bronze           Silver         Gold
                                                                                                                                                                                                                                Platinum
                                                                                                                                                                                                                     Reimbursement         £
The health cash plan enables you and your
                                                                                                                                                                                                                          rate

                                                                                              1. Dental                             60% of cost of treatment              £100           £150            £200             75%            £250

family to receive cash payments towards                                                       2. Optical
                                                                                                                                60% of cost of eye test, lenses,
                                                                                                                               spectacles and laser eye surgery
                                                                                                                                                                          £100           £150            £200             75%            £250

everyday healthcare costs.                                                                    3.
                                                                                                   Hospital day-case            Amount payable per admission           £60 (Adult)    £90 (Adult)    £120 (Adult)
                                                                                                                                                                                                                            -
                                                                                                                                                                                                                                      £150 (Adult)
                                                                                                   surgery                           up to 5 occasions                 £30 (Child)    £45 (Child)    £60 (Child)                      £75 (Child)

                                                                                                                                Amount payable per night up to         £30 (Adult)    £45 (Adult)    £60 (Adult)                      £75 (Adult)
                                                                                              4. Hospital In-patient                                                                                                        -
                                                                                                                                  a maximum of 91 nights               £15 (Child)    £23 (Child)    £30 (Child)                      £38 (Child)
The health cash plan pays you cash
reimbursements towards the cost of your                                                            Hospital parental
                                                                                                                                Amount payable per night up to
                                                                                                                                a maximum of 91 nights, when              £10            £15            £20                              £25
everyday healthcare.                                                                          5.                                                                                                                            -
                                                                                                   stay                         an insured adult accompanies           (Adult only)   (Adult only)   (Adult only)                     (Adult only)
                                                                                                                                 an insured child into hospital
                                                • Cover starts from less than 42p per day
You can claim towards the cost of optical       • Cash towards dental treatment                                                   Payable automatically with a
bills including eye-sight tests, new glasses    • Cash towards optical bills                  6. Recuperation                  hospital in-patient claim of at least   £160 (Adult)   £240 (Adult)   £320 (Adult)
                                                                                                                                                                                                                            -
                                                                                                                                                                                                                                      £400 (Adult)
and contact lenses; dental check-ups and                                                                                        10 consecutive nights. Payable         £80 (Child)    £120 (Child)   £160 (Child)                     £200 (Child)
                                                • Cash towards therapy treatments                                                once only in each benefit year
treatment; and therapy treatments such as       • No medical required                                                              60% of cost of specialist
physiotherapy, osteopathy and chiropody         • Claims paid direct to you usually within
                                                                                                 Health consultation
                                                                                              7. and allergy testing           consultation on recommendation             £250           £375            £500             75%            £625
treatment.                                        3-5 working days
                                                                                                                                      of the insured’s GP

                                                                                                                                 60% of cost of physiotherapy,
You do not need to be ill to benefit from the   • Cover for individuals and families                                               osteopathy, acupuncture,
health cash plan, but if you do have an         • 13 week qualifying period                   8. Therapies                       chiropractic, homeopathy and             £250           £375            £500             75%            £625
                                                                                                                                  chiropody treatments to the
accident or are unexpectedly taken ill, you     • Worldwide emergency cover                                                           combined maximum

can claim towards diagnostic health                                                           9. Health Screening               60% of cost of health screening            £50            £75            £100             75%            £125
consultations and screening, day-case           Further information and an application
                                                                                                                                 60% of cost of home help and
surgery, hospital in-patient stays (NHS or      form can be found on pages 30 - 33 of            Home help/
                                                                                             10. Home nursing                      home nursing up to the                 £750          £1,125          £1,500            75%           £2,000
private), and personal accident cover. You      this booklet.                                                                       combined maximum
                                                                                                                                   Amount payable per child,
can even claim if you have a baby!                                                           11. Maternity                       including adoption of children
                                                                                                                                                                          £250           £375           £500
                                                                                                                                                                                                                            -
                                                                                                                                                                                                                                         £625
                                                                                                                                       under one year old              (Adult only)   (Adult only)   (Adult only)                     (Adult only)
                                                                                                                                                                                                                                       £100,000
                                                                                             12. Personal accident                     See policy details                   -              -               -                -            each
                                                                                                                                                                                                                                      (Adult only)
                                                                                                                              Counselling, Medical information
                                                                                             13. Helpline                     and Legal advice 24 hours, 365                                                                -
                                                                                                                               days a year telephone helpline



                                                                                               For further information and an application form please see pages 30 - 33 of this booklet or contact BHSF on:
                                                                                                                                         XXXXXXXXX or email XXXXXXXXXXX
                                                                                             The amounts shown are maximum benefits payable every benefit period unless otherwise stated. Benefits are payable at an equal rate for each insured
                                                                                             person unless otherwise stated. All benefits payable are subject to BHSF Limited policy terms: copies available on request. 13 week qualifying period
                                                                                             with the exception of maternity payment (10 month qualifying period) and for pre-existing medical conditions (2 years). Insurance Premium Tax Issued by
                                                                                             XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX Limited is authorised and regulated by the Financial Services Authority.
05 | Health cash plan                                                                                                                                                                                                       E&OE     OS 616 10/10
  Plan4Life – Cancer insurance                                                                                    Benefits                                                    Level 1                    Level 2                   Level 3

                                                                                                                  Malignant Cancer †
                                                                                                             A                                                                 £8,000                    £16,000                    £24,000
                                                                                                                  (including malignant melanoma)

                                                                                                                  Benign tumour of the brain, spinal
Financial help when you need it most.                                                                       B
                                                                                                                  cord or meninges
                                                                                                                                                                               £8,000                    £16,000                    £24,000


With Plan4Life, at the point of a cancer diagnosis                                                          C
                                                                                                                  Ductal carcinoma in situ of
                                                                                                                  the breast                                                   £4,000                     £8,000                    £12,000
you can claim a cash sum payment to spend in
                                                                                                                  Payable only once during the life of the
                                                                                                                  policy.


whichever way helps you most.
                                                                                                                  Carcinoma in situ
                                                                                                                  (excluding ductal carcinoma in situ of the
                                                                                                            D     breast which is covered under C above)                         £250                       £500                      £750
                                                                                                                  A maximum of four events are payable
                                                                                                                  during the life of the policy.
Unfortunately, most of us will experience             At such a time, the last thing you need is                  Skin cancer or melanoma in situ
the effects of cancer at some point                   additional financial worries. The cash sum                  (excluding malignant melanoma which is
                                                                                                             E    covered under A above)                                         £250                       £500                      £750
throughout our lives; many of us will have            payment you can claim through Plan4Life                     A maximum of four events are payable
loved ones, friends or work colleagues                can help towards paying the monthly bills;                  during the life of the policy.

who are diagnosed with this terrible                  additional travel costs to and from                         GP Helpline                                                             Medical advice from qualified GPs
illness. Due to the sensitive and emotional           hospital; the cost of alternative therapies
nature of the condition, most people avoid            or drugs not available on the NHS; or                       Counselling support service                                       Help and support from qualified counsellors
thinking about it and hope it will never              simply for some well deserved relaxation
happen to them.                                       and ‘me-time’.                                      † Prostate cancer is payable under category A of this policy where the Gleason score is 6 or above, or if you have a TNM classification of
                                                                                                          T2N0M0 or greater. All claims are subject to BHSF policy terms: copies available on request.

The good news is that more and more                   Let Plan4Life take away some of the                               Monthly Premium                                       Level 1                    Level 2                   Level 3
people are surviving cancer today than                financial pressures, so you can concentrate                  (including Insurance Premium Tax)

ever before. However, even with the latest            on what matters most – your health.
                                                                                                                              Age band                                   Male        Female         Male        Female         Male       Female
treatments, if you are diagnosed with
cancer you will probably still need time off                                                                                     18 - 24                                 £4.00        £3.70         £6.40          £6.00      £9.00          £8.40
work to rest and recover.                                                                                                                                                £4.35        £4.65         £7.00          £7.50      £9.80        £10.50
                                                                                                                                 25 - 34

                                                                                                                                 35 - 39                                 £4.65        £5.60         £7.50          £9.00      £10.50       £12.60

                                                                                                                                 40 - 44                                 £5.10        £6.60         £8.20       £10.60        £11.50       £14.90

                                                                                                                                 45 - 49                                 £6.05        £8.20         £9.70       £13.20        £13.60       £18.50

                                                                                                                                 50 - 54                                 £8.45       £10.75        £13.60       £17.20        £19.10       £24.10

                                                                                                                                 55 - 59                                £12.35       £12.55        £19.80       £20.10        £27.80       £28.20

                                                                                                                                 60 - 64                                £18.45       £15.80        £29.60       £25.30        £41.50       £35.50

                                                                                                                                 65 - 69                                £25.90       £19.75        £42.60       £32.45        £59.70       £45.50
  For further information and an application form see pages 34 - 37 of this booklet or contact BHSF on:
                                                                                                                                 70 - 74                                £32.10       £20.10        £53.50       £33.10        £74.90       £46.40
                      XXXXXXXXXXXX or email XXXXXXXXXXXXXXX                                               Premiums will increase with age in accordance with the premium table above and will be collected at the new rate on the first payment date
                                                                                                          after the birthday on which you move onto a new age band. We will write notifying you of each premium increase.


07 | Plan4Life                                                                                                                                                                                                                   Plan4Life | 08
FREE
benefit
                                Look after your
                                health and           Online health assessment                                                            FREE
                                fitness with the                                                                                           benefit
                                online health
                                assessment at      Your health assessment - free no cost to you.
                                no cost to you!    The online health assessment gives you an
                                                   indication of your current health and fitness levels -
                                                   www.xxxxxxxxxxxxxxxxxxxxxxxx.co.uk
                                                   The online health assessment from BHSF                  • Email follow-ups to keep your focus and
                                                   gives you an indication of your current health            motivation on improved health
                                                   and fitness levels. It will provide you with
                                                                                                           • Monitor your improvement with follow-up
                                                   easy to follow suggestions on how to
                                                                                                             questionnaires
                                                   improve your health and wellbeing, and help
                                                   monitor your progress.                                  • Developed using the data from more than
                                                                                                             25,000 health screens and the experience
                                                   • Your health assessment looks at your                    of leading doctors, nurses and nutritionists
                                                     height, weight, hip/waist ratio, nutrition,
                                                     exercise, family health history and stress
                                                     levels

                                                   • It takes just 10 minutes to complete and is               Food intolerance test
                                                     completely confidential

                                                   • This unique analysis programme produces                   Only £28.00
                                                     healthy eating and exercise plans specific
                                                                                                               Food intolerance test for only £28.00.
                                                     to you
                                                                                                               See page 29 of this booklet and
                                                   • Provides a comprehensive report with                      complete the request form or call:
                                                     recommendations for improved health and
                                                     lifestyle                                                 XXXXXXXXX
                                                                                                               ref: food intolerance



                                                                            For your FREE online health assessment please visit...

                                                          www.xxxxxxxxxxxxxxxxxxxxxx.co.uk      (quote ref: XXXX)




11 | Online health assessment                                                                                              Online health assessment | 12
                                                      Vision Express

                                                    Exclusive benefits for you and your family.
                                                    Save £30* off complete glasses and receive a
                                                    free eye examination plus much more...


                                                                                                           £10*
                                                                                                           Standard eye exam


                                                    To take advantage of this offer simply visit
                                                    your local Vision Express store and present            Save £30*
                                                    this book or your company ID and ask for the           off complete glasses + free eye
                                                    Vision Select Voucher.                                 examination when you choose to buy
                                                                                                           prescription glasses
                                                    Offers not valid in conjunction with any other
                                                    discounts, vouchers or promotions. No cash
                                                    alternatives available.                                Save £70*
                                                                                                           when joining the Contact 7 direct debit
                                                                                                           scheme

                                                                                                           • annual eye examination
                                                                                                           • aftercare service
                                                                                                           • option of free home delivery
                                                                                                           • replacement contact lenses
                                                                                                           • free frame voucher
     To take advantage of this offer simply visit                                                          • free trials of new lenses
                                                                                                           • Contact 7 magazine
     your local Vision Express store and
     present this book or your company ID and                                                            *See leaflet or website for full terms and conditions



     ask for the Vision Select voucher.                       For further information and details of your nearest Vision Express store freephone:
                                                                             XXXXXXXXXX or visit XXXXXXXXXXXXX

13 | Vision Express                                                                                                                        Vision Express | 14
                                                                                               ww
                                                                                                 w. tra For
                                                                                                   xx ve di
                                                                                                     xx l p sc
                                                                                                       xx re ou
                                                                                                         xx m n
                                                                                                           xx ium te
                                                                                                             xx         d
                                                    Annual travel                      insurance               xx s v
                                                                                                                 xx isit
                                                                                                                   xx
                                                                                                                     xx
                                                                                                                       x.c
                                                                                                                          o.u
                                                                                                                             k
                                                  Excellent value travel insurance
                                                  offering both European and worldwide
                                                  cover for holiday and business.
                                                  Cover is available for European, worldwide                                                         4 quarterly
                                                  and UK travel; for business travel and                                    Annual payment
                                                                                                                                                    instalments
                                                                                                             Cover
                                                  pleasure. Personal, couple and family policy
                                                                                                                           Europe Worldwide Europe Worldwide
                                                  options are available. All insured persons
                                                  must be below the age of 64.                              Individual     £43.00     £55.00    £12.00     £15.00

                                                  All dependant children must be under the                   Couple        £60.00     £77.00    £16.25     £20.50
                                                  age of 19, unmarried and permanently                       Family        £73.00     £93.00    £19.50     £24.50
                                                  resident with the policyholder. Children are          All details are correct at the time of publication. Premiums
                                                  only covered when travelling accompanied              include insurance premium tax at 17.5%. Insurance
                                                  by their parent(s) unless such child is aged          premium tax will increase to 20% on 1 January 2011 and
                                                                                                        the premiums above will increase to reflect this.
                                                  under 17 and travelling under the direct
                                                  supervision of a teacher or similarly-qualified
                                                  professional whilst on an officially-organised
                                                  school trip outside the UK.                              Cover includes...
                                                  Sometimes you may need extended or                       • cancellation & curtailment
                                                  special cover. Cover can be arranged to suit             • emergency medical expenses
                                                  your particular circumstances, either by                 • travel delay
                                                  issuing an endorsement to your annual                    • missed departure
                                                  policy or by purchasing a specific policy.               • baggage and personal effects
                                                                                                           • legal expenses
                                                  • Single trip cover
                                                                                                           • hospital benefit
                                                  • Back-packers’ cover
     Annual travel cover is available for         • Trips longer than 60 days
                                                                                                           • money & documents
                                                                                                           • personal liability
                                                  • Ski cover
     European, worldwide and UK travel; for       • Sports cover
                                                                                                           • hijack, mugging & assault
                                                                                                           • search & rescue
     business travel and pleasure. Single trip    • Cover if you are over 64 years of age


     and extended/special cover also available.                   For further information or to apply for annual travel insurance contact:
                                                                               XXXXXXXor email XXXXXXXXXXX

15 | Annual travel insurance                                                                                                  Annual travel insurance | 16
  Personal accident plan                                                                                                                                                   Policy
                                                                                                                                                                        terminates
                                                                                                                                                                                                                                            Policy
                                                                                                                                                                                                                                         terminates
                                                                                                                Item                  Description           Benefit        when                                                 Benefit   when
                                                                                                                                                           (per unit)                Item              Description
                                                                                                                                                                          benefit                                              (per unit) benefit
                                                                                                                                                                         payment                                                         payment
                                                                                                                                                                         is made                                                         is made

                                                                                                                       Quadriplegia - Permanent total
                                                                                                                 1                                         £50,000        Yes               Permanent loss by severance or
Nobody likes to think about it, but accidents do                                                                       paralysis of all four limbs
                                                                                                                       Paraplegia - Permanent and total                              13
                                                                                                                                                                                            total and permanent loss of use
                                                                                                                                                                                            of fingers on either hand:

happen. With the personal accident plan you can                                                                  2     paralysis of the two lower limbs, £25,000
                                                                                                                       bladder and rectum
                                                                                                                                                                          Yes               a) Three joints
                                                                                                                                                                                            b) Two joints
                                                                                                                                                                                            c) One joint
                                                                                                                                                                                                                               £1,000
                                                                                                                                                                                                                                £700
                                                                                                                                                                                                                                £400
                                                                                                                                                                                                                                            No
                                                                                                                                                                                                                                            No
                                                                                                                                                                                                                                            No
claim cash for injuries resulting from an accident.                                                                    Permanent total disablement -
                                                                                                                       which lasts for 52 consecutive
                                                                                                                       weeks and will in all probability                                    Permanent loss by severance or
                                                                                                                 3     prevent the insured from            £20,000        Yes               total and permanent loss of use
                                                                                                                       engaging in gainful employment
                                                                                                                       of any and every kind for the                                        of toes on either foot:
The personal accident plan is an insurance                                                                             remainder of their life                                       14     a) All – one foot                  £3,000       No
plan which insures you for accidents              Cover             Cost         Further information
                                                                                                                                                                                            b) Big – both joints               £1,000       No
                                                                                                                 4     Fatal Injury                        £20,000        Yes               c) Big – one joint                  £400        No
resulting in certain fractures of the arms and                                                                                                                                              d) Other than big, each toe         £400        No
legs, overnight hospitalisation, permanent                                                                             a) Loss of hearing in both ears     £10,000         No
                                                                                                                 5
                                                                   £1.70         Individual cover provides             b) Loss of hearing in one ear        £5,000         No
disabilities, and death.                         Individual       per unit      insurance for you and your                                                                                  Fracture or fractures of one or
                                                                                 children if you are a single          a) Loss of sight of both eyes        £20,000       Yes        15     more bones of the arm (humerus,     £100        No
                                                                 per month                  parent
The personal accident plan provides cover:                                                                       6     b) Loss of sight of one eye          £10,000       No                radius and ulna)
                                                                                                                       c) Total loss of the lens of one eye £5,000        No
• 24 hours a day, 365 days a year                                  £3.40
                                                                                   Family cover provides
                                                                                                                                                                                            Fracture or fractures of one or
                                                                                insurance for you and your             a)   Loss of use of shoulder        £8,000          No
• Wherever you are in the world                   Family          per unit          spouse/civil partner               b)   Loss of use of hip             £4,000          No        16     more bones of the leg (femur,       £200        No
                                                                 per month        /permanent partner and
• Whether you are working or pursuing                                                     children               7     c)   Loss of use of knee            £4,000          No               patella, tibia and fibula)
  leisure activities                                                                                                   d)   Loss of use of wrist           £4,000          No
                                                                                                                       e)   Loss of use of elbow           £4,000          No               Fracture or fractures of one or
• For your spouse/civil partner/permanent        Purchase up to 10 units of cover for increased benefit                                                                              17                                         £100        No
                                                                                                                       Permanent loss by severance or                                       more bones of the wrist
  partner and children                                                                                           8     total and permanent loss of use     £20,000        Yes
                                                                                                                       of both hands and feet                                               Fracture or fractures of one or
                                                                                                                                                                                     18                                         £200        No
                                                                                                                                                                                            more bones of the ankle
                                                                                                                       Permanent loss by severance or
                                                                                                                 9     total and permanent loss of one     £10,000         No               Full thickness burns which cover
                                                                                                                       hand or foot                                                         a) 27% or more of the body         £2,000      No
                                                                                                                       Permanent loss by severance or                                            surface
                                                                                                                       total and permanent loss of use                                      b) 18% or more but less than       £1,600      No
                                                                                                                10                                         £8,000          No        19          27% of the body surface
                                                                                                                       of four fingers and thumb of either
                                                                                                                       hand                                                                 c) 9% or more but less than        £1,200      No
                                                                                                                                                                                                 18% of the body surface
                                                                                                                       Permanent loss by severance or                                       d) 4.5% or more but less than       £800       No
                                                                                                                11     total and permanent loss of use     £4,000          No                    9% of the body surface
                                                                                                                       of four fingers of either hand
                                                                                                                       Permanent loss by severance or                                       Benefit while confined to hospital
                                                                                                                       total and permanent loss of use                                      as an in-patient overnight as a
                                                                                                                                                                                                                               £75 per
                                                                                                                12     of one thumb of either hand:                                  20     result of an accident payable for               No
                                                                                                                                                                                            a maximum of 104 weeks at a         week
                                                                                                                       a) Both joints                      £4,000          No
                                                                                                                       b) One Joint                        £2,000          No               rate of


                                                                                                                 For further information and an application form see pages 38 - 41 of this booklet or contact BHSF on:
                                                                                                                                                      XXXXXXXX or email XXXXXXXXXX

17 | Personal accident - protection plan                                                                                                                                                    Personal accident - protection plan | 18
                                                      Care4 - Life insurance

                                                   Caring for those you leave behind.
                                                   Care4 is designed to help your family with the
                                                   financial worry of such a loss.
                                                   Do you think about the future and how your                                       £5,000            £10,000
                                                   family will manage when you pass away?                                         benefit level      benefit level
                                                                                                               Age band
                                                   Care4 is designed to help your family with                                      Monthly premium payable by
                                                   the financial worry of such a loss.                                                     direct debit
                                                                                                                18 - 40              £2.00               £2.70
                                                   You decide on either a £5,000 or £10,000
                                                                                                                41 - 45              £2.10               £2.85
                                                   benefit level. Subject to the terms of the
                                                   insurance the benefit is payable to your                     46 - 50              £2.40               £3.20
                                                   estate after your death.                                     51 - 55              £2.80               £4.00
                                                                                                                56 - 60              £3.60               £5.60
                                                   The premiums you pay will be determined by
                                                                                                                61 - 65              £4.50               £7.60
                                                   the level of cover you require and your age.
                                                   The sum insured is paid tax-free under                       66 - 69              £6.60              £11.60
                                                   current legislation.                                   Cover is not available for anyone under the age of 18.
                                                                                                          Cover ceases on the premium due date following your
                                                   The average cost of a funeral has soared               70th birthday. Cover for your partner is available by them
                                                                                                          taking out cover in their own name.
                                                   over the last few years and is now estimated
                                                   to be around £2,620 for a burial and £2,160
                                                   for a cremation. When you include the
                                                   additional cost of flowers, a memorial stone,            Further information regarding the Care4
                                                   announcements, catering at a wake etc, the               cover can be found on page 42 of this
                                                   average total cost can soar to £5,923.                   booklet. Please read this information and

      Do you think about the future and how your   Estimates suggest that the cost of funerals
                                                   will rise by a further 38% between now and
                                                                                                            ensure the cover is suitable for your
                                                                                                            needs before completing the application
      family will manage when you pass away?       2012, with an average funeral rising to
                                                   £3,299.
                                                                                                            form.

      Care4 is designed to help your family with
      the financial worry of such a loss.            For further information and an application form see pages 42 - 45 of this booklet or contact BHSF on:
                                                                                   XXXXXXXXXXXX or email XXXXXXXXX

                                                   Survey of funeral costs by AXA Sun Life Direct, 2007

19 | Care4 - Life insurance                                                                                                       Care4 - Life insurance | 20
                                                      Private medical insurance

                                                   Private medical insurance offers you a real
                                                   alternative to the NHS.
                                                  Many people choose to go private to avoid the
                                                  long waiting lists associated with some NHS                                    Single aged                                  Core 1A plus
                                                                                                                                                             Core
                                                                                                                                                                              physiotherapy
                                                  treatments. With private medical insurance, you
                                                  can usually choose when treatment will take                                          20                   £17.40                 £23.68
                                                  place, the specialist who treats you and the
                                                  hospital you receive treatment at. Normally, you'll                                  30                   £23.68                 £32.24
                                                  also have the privacy of an ensuite room.                                            40                   £32.43                 £44.16

                                                  Whether you currently enjoy the benefit of health                                    50                   £46.39                 £63.15
                                                  insurance or not, SecureHealth Ultimate brings
                                                                                                                             Prices valid to 31.03.2011. National rates. SecureHealth
                                                  high quality, affordable health insurance to you                           Ultimate 6 plan with 40% NCD, £100 excess. Includes IPT.
                                                  and your family.                                                           Full details of benefits available at
                                                                                                                             XXXXXXXXXXXXXXXXXX
                                                  The plan offers comprehensive “core” cover for
                                                  hospitalisation. You can then tailor your own
                                                  personal plan by selecting other optional benefits
                                                  to suit your personal requirements, such as:
                                                                                                                                Buy a policy with an
                                                  • Three levels of out-patient treatment
                                                  • Therapies including physiotherapy
                                                                                                                                excess today...
                                                  • Psychiatric cover
                                                  • Cover for “cancer superdrugs” such as
                                                                                                                                and we’ll either send you a £100 M&S
                                                    Herceptin
                                                                                                                                voucher now, or we’ll refund an amount
                                                  • Dental and optical cover
                                                                                                                                equal to the excess paid by you on your first
                                                  Having all this choice means that you won’t be                                claim made within the first 12 months of
                                                  paying for benefits that you don’t need. If you are                           cover, subject to a maximum of £250.
                                                  transferring your medical insurance from another
                                                  insurer, you may receive continuous cover when

    Quality health insurance at a price you can   you move to SecureHealth.


    afford is, in our experience, vital.                       For more information see overleaf or call our Freephone number:
                                                                                       or visit us online at XXXXXXXXXXXX
                                                                                                                                                         XXXXXXXXX

                                                  SecureHealth, one of the UK’s leading health insurance specialists, was established in 1996 and is part of the AXA group of insurance businesses.


21 | SecureHealth private medical insurance                                                                                 SecureHealth private medical insurance | 22
                                                                                                                  Choose a level of out-patient cover to suit you
                                                                                                                  You can tailor your plan even closer to your specific requirements by choosing from any of the
                                                                                                                  following modules

                                                                                                                   Module 1

   Private medical insurance                                                                                       Out patient consultations and diagnostics

                                                                                                                   A - Three specialist consultations, no annual maximum for diagnostic tests.

                                                                                                                   B - £1,000 combined annual limit for out-patient consultations, clinical practitioner charges and diagnostic
                                                                                                                       tests.

What is SecureHealth Ultimate?                                                                                     C - No annual maximum for out-patient consultations, clinical practitioner charges and diagnostic tests.

                                                                                                                  Choose extra benefits
                                                                                                                  You can tailor your plan even closer to your specific requirements by choosing from any of the
The SecureHealth Ultimate policy is     Core cover                         Cover                                  following modules:
a private medical insurance policy,
                                        In-patient and day-patient
which allows you to choose the          treatment:                                                                 Module 2
Modules you require. SecureHealth
                                        Charges for accommodation,                                                 Therapies cover
Ultimate always includes 'Core          operating theatre charges,                                                 No annual maximum for physiotherapy, osteopathy, acupuncture, homeopathy, chiropractor. However, we will
cover', but you may also choose                                            Paid in full at a hospital listed in    only pay for up to an overall maximum of 10 sessions of treatment per year for GP referred physiotherapy
                                        nursing care, drugs and
                                                                           the Directory of Hospitals              and/or complementary practitioner treatment.
additional Modules in the following     dressings, diagnostic tests,CT,
                                        MRI, PET scans, radiotherapy,
combinations. Details of the            chemotherapy, physiotherapy                                                Module 3
benefits that each of the Modules
                                        Specialist fees (surgeons,                                                 Additional benefits
contain are shown below.                                                   No annual maximum                        • Recuperative Care up to £280 per year within three months of eligible in-patient treatment.
                                        anaesthetists and physicians)
                                        and consultations                                                           • Parental accommodation for children up to 14 years old.
Core cover                                                                                                          • Oral surgery – paid in full.
 Core cover                             NHS Hospital cash benefit:                                                  • Investigations into infertility and treatment of medical conditions found during those investigations, subject
                                        In-patient                         £250 a night up to £2,000 a year           to a two year qualifying period.
Core cover offers you cover as a        Day-patient                        £150 per day up to £300 a year
UK resident for private medical         Health at Hand                     Health information and                  Module 4
                                                                           counselling service available 24
treatment in the UK of new medical                                         hours a day, 365 days a year            Psychiatric cover *
conditions that arise after you join.   Hospital at Home                   Paid in full                            28 days in-patient/day-patient treatment.Out-patient treatment up to £1,500 a year.
This includes in-patient and day-       Private ambulance transport        Paid in full                            Module 5
patient treatment and associated
                                        Out-patient treatment:
specialists’ charges. In addition, it                                                                              Extended cancer cover **
provides you with cover for out-        i) Out-patient surgical            No annual maximum                       Core cover includes one year’s cover for licenced cancer drugs. Module 5 extends your cover for an
                                           procedures                                                              additional two years.
patient surgical procedures,
                                                                           Paid in full at a scanning centre
computerised tomography (CT),           ii) CT,MRI, PET scans              listed in the Directory of              Module 6
magnetic resonance imaging (MRI),                                          Hospitals
                                        iii) Radiotherapy or                                                        Routine optical and dental cover
positron emission tomography                                               No annual maximum (including             Cash benefit towards the cost of prescription glasses or contact lenses; £25 per year for eyesight tests; and
                                            chemotherapy
(PET), radiotherapy and                                                    12 months cover for licenced             cover for specified dental procedures - full details on request
chemotherapy. There is also cover                                          drug treatments given for a
                                                                           prolonged period of time such           Module 7
for chemotherapy treatments given                                          as Herceptin or Avastin)
over a prolonged period of time for                                                                                Travel cover for business or personal trips
                                        Emergency evacuation or            Paid in full when arranged by
up to one year.                         repatriation to the UK                                                     Full details on request.
                                                                           us
                                        Immediate emergency in-                                                   * This module is only available if you choose Module 1B or C. ** This module is only available if you choose Module 1C.
                                        patient treatment received while
                                        travelling abroad which relates
                                        to an evacuation or repatriation
                                                                           Up to £40,000 a year                                     For more information call our Freephone number:          XXXXXXXXXX
                                        we have arranged for you.                                                                                 or visit us online at XXXXXXXXXXXXXXXXX.

23 | SecureHealth private medical insurance                                                                                                                                     SecureHealth private medical insurance | 24
                                                    Free accidental death cover                                                           FREE
                                                                                                                                          benefit


                                                  £5,000 of accidental death insurance.
                                                  Here’s an opportunity you’re unlikely to want to miss
                                                  - financial protection that won’t cost you a penny.
                                                  The cover is provided by Avon Insurance Plc
                                                  and pays a cash lump sum to your estate if
                                                  you die as a result of an accident.
                                                                                                           • £5,000 accidental death cover for one
                                                  During the term of the contract the certificate            year at no cost to you
                                                  provides a £5,000 lump sum benefit                       • Guaranteed acceptance if you’re aged
                                                  following your death as a result of an                     17 or above and under 70
                                                  accident.                                                • No medical required
                                                                                                           • 24 hour protection, anywhere in the
                                                  You are eligible for this £5,000 free cover if             world
                                                  you are aged 17 or above and under 70
                                                  years, and residing in the United Kingdom at
                                                  the start of the policy.

                                                  You can increase the amount of cover up to
                                                  £80,000 and also take out accidental death
                                                  cover to protect your partner.




      £5000 accidental death cover for one year
      at no cost to you. 24 hour protection,           Don’t miss out! To apply for your free of charge cover and find out more simply go to

      anywhere in the world.                                      xxxxxxxxxxxxxxxxxxxxxxxxxxx
                                                                       Standard exclusions apply – see XXXXXXXXXXXX for further details



25 | Free accidental death cover                                                                                        Free accidental death cover | 26
  What to do next...

To select any of the benefits detailed in this
booklet, please follow the guidelines below.

Colleague assistance                        Discounted optical care
For more information call xxxxxxxxxxxxx     Simply take this booklet or your company ID
quote ref: XXXX                             along to your nearest vision express and
                                            request a ‘Vision Select’ voucher
Health cash plan                            quote ref: XXXX
For more information see pages 30 - 33      Annual travel insurance
or call BHSF on XXXXXXXX
quote ref: XXXXXXX                          For more information call XXXXXXXX
                                            quote ref: Annual travel insurance
Plan4Life
                                            Personal accident plan
For more information see pages 34 - 37
or call BHSF on XXXXXXXXX                   For more information see pages 38 - 41        Food
quote ref: XXXXXXXX                         or call BHSF on XXXXXXXX
                                            quote ref: XXXXXXXXX
                                                                                          intolerance
Something for everyone
                                            Care4                                         test
For more exclusive benefits please visit:
www.xxxxxxxxxxxxxxxxxxxxxxxx.co.uk          For more information see pages 42 - 45
                                                                                          Please return your completed
                                            or call BHSF on XXXXXXXXX
Online health assessment                                                                  request form to:
                                            quote ref: XXXXXX
For more information visit:                                                               Food intolerance
www.xxxxxxxxxxxxxxxxxxxxxxxxx.co.uk         SecureHealth private medical insurance        XXXXXXXXX
                                                                                          XXXXXXXXXXX
                                            For more information call our Freephone
Food intolerance                                                                          XXXXXXXXXXX
                                            number XXXXXXX or visit us online at          XXX XXXX
For more information see pages 28 - 29      XXXXXXXXXXX
or call BHSF on XXXXXXXX
quote ref: XXXXXXX




27 | What to do next                                                                          Food intolerance testing | 28
                                  To
                                     bu
                                       yy
                                XX ca our
 Food intolerance                  XX ll us test
                                       XX on tod
Do you suffer from bloating, weight       XX     ay
                                                                                                  XX
gain, tiredness, constipation, diarrhoea,
migraine, headaches or water retention?
 What is a food intolerance?                         How does the test work?
Sometimes, we can develop intolerances               You simply complete a symptom analysis
towards foods we eat every day. Food                 questionnaire and four Acalk urine tests after
intolerances can lead to undigested food,            eating. The urine tests and questionnaires can
turning slowly to sugar or acid, creating an         be conducted at home and the results posted
imbalance and causing bloating, irritable            to the Prevent Plc laboratory.
bowel, weight gain, headaches, rashes,
hormone imbalances and a number of other             An eight page comprehensive report is
symptoms.                                            produced assessing the likely causes of
                                                     intolerance and makes recommendations as
The test includes yeast intolerance, food            to the specific foods to avoid, the vitamins and
sensitivity, wheat intolerance, dairy                minerals to take, and the preventative action
intolerance, foods to avoid, acid alkaline           necessary to help re-balance the digestive
balance test, irritable bowel test, blood sugar      system.
imbalance, alcohol intolerance and
vitamin mineral balance.                             To request a food intolerance test, complete
                                                     the form below.
                                                                                                                 #
REQUEST A FOOD INTOLERANCE TEST                                                                      BBSH-FT1
Please complete your details below and return with   I have enclosed a cheque for the sum of £28.00
payment to XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX            for my food intolerance test.
XXXXX
                                                       PLEASE NOTE
  PERSONAL DETAILS                                     All cheques should be made payable to BHSF
                                                       Services Limited. Tests WILL NOT be issued
                                                       unless payment is received. Please allow 14
Title           Surname
                                                       working days for delivery.
Forename(s)
Date of birth
Telephone no.                                           Please ensure that YOU have signed this box
Email                                                  Signature

Home address                                                                             Date


                                                           We may advise you from time to time, about other
                          Postcode                         products and services which may be of interest to you. If
                                                           you do not wish to receive this information please tick
Name of employer                                           the box



29 | Food intolerance testing
                                                                                                         HEALTH CASH PLAN - APPLICATION FORm                                                                                        BBSH-HCP1
                                                                                                          PERSONAL DETAILS                                                  DECLARATION
                                                                                                                                                                           Please tick the appropriate box
                                                                                                     Title            Surname

  Health cash plan – further information
                                                                                                                                                                              I, or persons to be covered, have a medical condition to
                                                                                                     Forename(s)                                                           declare (please give details below)
                                                                                                     Date of birth                                                         Name                      Condition
                                                                                                     Telephone no.
                                                                                                     Email

Affordable cash based health insurance.                                                              Home address
                                                                                                                                                                              No pre-existing medical condition to declare


The health cash plan enables you and your
                                                                                                                                                                           I declare that I, and, to the best of my knowledge, all persons for whom
                                                                                                                                    Postcode                               benefit may be claimed under the terms of my chosen policy are (other than
                                                                                                                                                                           as declared above) in good health. As far as I am aware none of the
                                                                                                     Name of employer                                                      applicants is receiving, or been informed of the need for treatment that could

family to receive cash payments towards                                                              Employer address
                                                                                                                                                                           give rise to a claim under the hospital-related benefit which BHSF provides
                                                                                                                                                                           other than as declared above.



everyday healthcare costs.
                                                                                                                                                                           I understand that:
                                                                                                                                                                           i) no hospital-related claim will be paid during the first two years of my
                                                                                                                                    Postcode                                   policy in respect of any medical condition which existed or was
                                                                                                     Payroll number                                                            being investigated before cover commenced and
                                                                                                                                                                           ii) BHSF may wish to verify medical information to support a
                                                                                                                                                                               hospital-related claim.
                                                                                                          COVER FOR YOUR PARTNER AND CHILDREN                              I agree to abide by the policy terms, and I acknowledge that they may be
What do I pay?                                       When do I qualify for benefit?                      I also wish my application to cover:
                                                                                                                                                                           varied, as may the range or rates of benefits or premiums, if deemed
                                                                                                                                                                           necessary.
                                                                                                         My partner, whose details are:
Cover starts from as little as £12.50 a month.      You will be eligible to claim 13 weeks from                                                                            I declare that all the information I have given on this application form is true,
                                                                                                                                                                           and that, if found to the contrary, claims may be rejected or the policy
Study the benefit chart on page six and             the start date shown on your policy with the         Title        Surname                                              cancelled at any time. In signing this application form I understand that my
                                                                                                                                                                           information will be used by BHSF (and relevant BHSF Group companies) to
decide which level of cover is most affordable      exception of maternity benefit where there is        Forename(s)                                                       provide me with insurance-related services and that this application will be
for you. Remember, the greater the premium,         a 10 month qualifying period.                        Date of birth                                                     processed by SecureHealth. This information may also be used for the
                                                                                                                                                                           efficient administration of the policy, to monitor and continue to improve these
the more benefit you can receive.                                                                        My children (under 18), whose full names and dates of births
                                                                                                                                                                           services, and to advertise, market or bring to my attention, goods or services
                                                                                                                                                                           which BHSF considers may be of interest to me.

Who can apply?                                       What if I have an existing health                   are:                                                              I hereby authorise the deduction from my pay the amount indicated (or such
                                                     problem?                                                                                                              future amounts as may be required to secure the benefits of the plan) each
                                                                                                                                                                           week/month. Please remit same to BHSF Limited on my behalf at the agreed
Applications are accepted from anyone aged                                                                                                                                 intervals until further notice from me. This cancels any previous deduction for
                                                                                                                                                                           BHSF Limited authorised by me.
17 or over at the time of application. Children     You will not be able to make hospital-related
                                                                                                                                                                                   Please ensure that YOU have signed this box
can be covered under either a single parent         claims which are connected to that problem           If more than three children are to be registered, please            Signature
or a family policy until their 18th birthday. No    for two years. However, you will be covered          supply details on a separate sheet.
medical is required.                                for all other benefits.                                                                                                                                             Date
                                                                                                           POLICY SELECTION                                                        We may advise you from time to time, about other products and
How do I apply?                                      How are benefits paid?                              Please tick one box to denote policy selection
                                                                                                                                                                                   services which may be of interest to you. If you do not wish to receive
                                                                                                                                                                                   this information please tick the box

Choose which level of cover is right for you.       Benefits are paid directly to you by credit           Premiums (payable monthly)
                                                                                                                                                              Bronze                 Silver                      Gold                    Platinum
Complete the application form and return it to      transfer to your bank account or alternatively        Including Insurance Premium Tax
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX                      by cheque, sent to your home address.                 Personal (Policyholder only)                      £12.50               £15.50                      £18.00                     £28.50
XXXXXXXXXXXXXXXXXXXXXXXXXXX.                                                                              Single parent (Policyholder and children)         £15.50               £19.50                      £23.00                     £35.00
Premiums will be payable by monthly direct
debit. Subject to the terms of the policy it will    Can my cover continue if I decide to                 Couple (Policyholder and partner)                 £22.50               £28.00                      £32.00                     £51.00
be renewed each month for as long as                 change my employer?                                  Family (Policyholder, partner and children)       £25.50               £32.00                      £37.00                     £58.00
premiums are paid.                                                                                                                                                                                                                           OS 616 10/10
                                                    Yes, even though you will not be able to                             INSTRUCTION TO YOUR BANK OR BUILDING SOCIETY TO PAY BY DIRECT DEBIT
How will I know when I have been                    remain insured by this policy BHSF offers
                                                                                                           Name and full postal address of your Bank or Building Society       Originator’s Identification Number
accepted?                                           direct policies to which you can transfer.
                                                                                                            To: The Manager                     Bank/Building Society           8 3 0 1 2 3
                                                    Simply contact BHSF, your new employer
                                                                                                            Address                                                            Reference Number
You will be sent a welcome pack containing          may operate a corporate arrangement like
                                                    this one.                                                                                   Postcode                        B H S F - S H -
your policy and full information.
                                                                                                           Name(s) of Account Holder(s)                                        Instruction to your Bank or Building Society
                                                                                                                                                                               Please pay BHSF Limited Direct Debits from the account
                                                                                                                                                                               detailed in this instruction subject to the safeguards assured by
                To apply complete the application form on page 31 or contact BHSF on:                                                                                          the Direct Debit Guarantee. I understand that this instruction
                                                                                                           Bank/Building Society          Branch Sort Code                     may remain with BHSF Limited and, if so, details may be
                           XXXXXXXXXX or email XXXXXXXXX                                                   account number                                                      passed electronically to my Bank/Building Society.
                                                                                                     #




                                                                                                                                                                                      Signature
                                                                                                           Banks and Building Societies may not accept Direct Debit
                                                                             Health cash plan | 30         Instructions for some types of account.
                                                                                                                                                                                                                           Date
                                                                                          Health cash plan -
                                                                                          Important information
                                                                                          The Financial Services Authority (FSA) is an                      Provided a claim has not been paid, we will refund
                                                                                          independent body that regulates the general                       any premium collected.
                                                                                          insurance industry. It requires us to give you certain
                                                                                          information so that you can decide if our services                If you wish to register a complaint, please do so in
                                                                                          are right for you.                                                writing to XXXXXXXXXXXXXXXXXXXXXXXXXXXXX
                                                                                                                                                            XXXXXXXXXX or by telephoning XXXXXXXXXXX,
                                                                                          This plan meets the demands and needs of those                    quoting your policy number. If you are not satisfied
                                                                                          who wish to have assistance towards covering their                with the outcome of the complaint, you may be
                                                                                          everyday healthcare costs such as dental check-                   entitled to refer it to the Financial Ombudsman
                                                                                          ups and treatment, eye tests and glasses and                      Service.
                                                                                          complementary therapy fees. In deciding to
                                                                                          purchase this product you will not receive advice or              BHSF Limited is covered by the Financial Services
                                                                                          personal recommendation from us.                                  Compensation Scheme (FSCS). You may be
                                                                                                                                                            entitled to compensation from the scheme if we are
                                                                                          XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX                             unable to meet our obligations. Entitlement will
                                                                                          is an insurance company authorised and regulated                  depend on the type of business and the
                                                                                          by the Financial Services Authority. Our registration             circumstances of the claim. Further information
                                                                                          number is XXXXXX. Our permitted business                          about the compensation scheme is available on
                                                                                          includes advising on and effecting non-investment                 the FSCS website XXXXXXXXXXX.
                                                                                          insurance contracts. Details of our registration can
                                                                                          be checked at XXXXXXXXXXX or by telephoning                       This product is underwritten by BHSF Limited and
                                                                                          XXXXXXXXX.                                                        administered by Secure Health. SecureHealth will
                                                                                                                                                            provide details of their own authorisation and
                                                           Health cash                    As an insurer, BHSF Limited offers only its own
                                                                                          cash plan products in isolation; where appropriate
                                                                                                                                                            regulation and will confirm such things as their
                                                                                                                                                            complaints procedure etc. If this product has been

                                                           plan                           it may offer the most suitable of its products, but
                                                                                          only in comparison with other products
                                                                                          underwritten by BHSF.
                                                                                                                                                            recommended to you by a representative of
                                                                                                                                                            SecureHealth in a face-to-face consultation, you
                                                                                                                                                            will be asked to complete a ‘Demands and Needs
                                                           Application                    You have 14 days from the date you receive your
                                                                                                                                                            statement’, a copy of which you should retain,
                                                                                                                                                            together with product information relevant to your
                                                           form                           policy to review it. If you are not completely
                                                                                          satisfied with the policy, simply notify us in writing
                                                                                                                                                            chosen contract.

                                                                                          within 14 days and we will cancel your policy.
                                                           Please return your completed
                                                           application form to:

                                                           XXXXXXXXXX
                                                                                              The Direct Debit Guarantee
                                                           XXXXXXXX
                                                           XXXXXXXXXX                         This guarantee should be retained by the Payer
                                                           XXX XXX                             • This Guarantee is offered by all Banks and Building         • If an error is made by BHSF Limited or your Bank or
                                                                                                 Societies that take part in the Direct Debit Scheme. The      Building Society, you are guaranteed a full and immediate
                                                                                                 efficiency and security of the Scheme is monitored and        refund from your branch of the amount paid.
                                                                                                 protected by your own Bank or Building Society.
                                                                                                                                                             • You can cancel a Direct Debit at any time by writing to your
                                                                                               • If the amounts to be paid or the payment dates change,        Bank or Building Society. Please also send a copy of your
                                                                                                 BHSF Limited will notify you at least 10 working days in      letter to us.
                                                                                                 advance of your account being debited or as otherwise
                                                                                                 agreed.
                    Open for further information and application form

32 | Health cash plan                                                                     33 | Health cash plan
                                                                                                                 PLAN4LIFE – APPLICATION FORm                                                                                      BBSH-P4L1
                                                                                                                   PERSONAL DETAILS                                                     DECLARATION


  Plan4Life – Further information
                                                                                                                 Title         Surname                                                I understand that:
                                                                                                                                                                                      i) no claim will be paid in relation to any pre-existing
                                                                                                                 Forename(s)                                                          condition, whether diagnosed, or not, unless there
                                                                                                                 Date of birth                                                        has been a continuous five year
                                                                                                                                                                                      period immediately prior to a diagnosis where I have
                                                                                                                 Telephone no.                                                        not had any: • symptoms • medical advice •
Understanding Plan4Life                                 Significant exclusions                                   Email                                                                medication • treatment • abnormal test results
                                                                                                                                                                                      ii) Should it be necessary, I authorise the
                                                                                                                 Home address                                                         disclosure of any medical information which may
Plan4Life is a general insurance policy                The information provided below does not                                                                                        be required in order to process a claim under this
designed to pay a cash sum to you on                   contain the full list of exclusions and limitations                                                                            policy.
diagnosis of cancer (and certain other named           which are provided in the Plan4Life policy                                                  Postcode
conditions), subject to the terms and conditions       details.                                                  Name of employer                                                     I agree to abide by the policy terms, and I
of the policy. The policy may help meet the                                                                                                                                           acknowledge that they may be varied, as may the
                                                                                                                                                                                      range or rates of benefits or premiums, if deemed
needs of those who are looking to obtain               • You will not be able to claim if:                         LEVEL OF COVER                                                     necessary.
financial assistance should they be diagnosed           - Diagnosis is made before the start date
with cancer.                                                                                                     Please circle the cover of your choice:                              I declare that all the information I have given on this
                                                           of your policy, or during the first 13 weeks of
                                                                                                                                                                                      application form is true, and that, if found to the
                                                          the policy                                              Monthly
                                                                                                                                                                                      contrary, claims may be rejected or the policy
• Plan4Life covers cancers, carcinoma in situ,          - A diagnosis is made which is related to a               Premium
  and tumours of the brain, spinal cord and                                                                        (Including      Level 1           Level 2           Level 3        cancelled at any time. In signing this application
  meninges. The level of benefit payable varies           pre-existing condition, unless there has been            Insurance                                                          form I understand that my information will be used
                                                          a continuous five year period immediately              Premium Tax)                                                         by BHSF (and relevant BHSF Group companies)
  depending on the type of cancer and the                                                                         Age band      Male     Female   Male     Female   Male     Female   and SecureHeath to provide me with insurance
  level of cover you choose                               prior to the diagnosis where you have not                18 - 24                                                            related services.
                                                                                                                                 £4.00    £3.70    £6.40    £6.00    £9.00    £8.40
                                                          had any:-                                                25 - 34       £4.35    £4.65    £7.00    £7.50    £9.80   £10.50
• Anyone aged 18 - 64 years inclusive, at the           - symptoms                                                 35 - 39       £4.65    £5.60    £7.50    £9.00   £10.50   £12.60
                                                                                                                                                                                      Information supplied to us in connection with this
  time of application can apply for a policy. The       - medical advice                                                                                                              insurance will become part of the data held by
                                                                                                                   40 - 44       £5.10    £6.60    £8.20   £10.60   £11.50   £14.90   BHSF Limited in accordance with the Data
  premium payable will depend on whether                - medication                                               45 - 49       £6.05    £8.20    £9.70   £13.20   £13.60   £18.50   Protection Act 1998. In order for BHSF Limited to
  you are male or female and your age                   - treatment                                                50 - 54       £8.45   £10.75   £13.60   £17.20   £19.10   £24.10   provide the GP helpline services to its policyholders
                                                        - abnormal test results                                    55 - 59      £12.35   £12.55   £19.80   £20.10   £27.80   £28.20   it is necessary to share some of this information
• No medical examination, or questionnaire is           - Diagnosis is made of a recurrence in the                 60 - 64      £18.45   £15.80   £29.60   £25.30   £41.50   £35.50   with Medical Solutions UK Limited. Please be
  required to apply for cover                             same organ-system as previously, or any                  65 - 69
                                                                                                                                                                                      aware Medical Solutions UK Limited will never
                                                                                                                                £25.90   £19.75   £42.60   £32.45   £59.70   £45.50
                                                                                                                                                                                      disclose your information to anyone else for their
                                                          secondary site related to an initial cancer              70 - 74      £32.10   £20.10   £53.50   £33.10   £74.90   £46.40   marketing purposes.
• You can claim 13 weeks from the start date            - Tests for prostate cancer reveal a Gleason
  of your policy (subject to pre-existing medical         score of less than 6, unless you have a TNM              DO YOU SMOKE?                                                      This information may also be used for the efficient
  condition clauses)                                      classification of T2N0M0 or greater                                                                                         administration of the policy, to monitor and
                                                                                                                 You are required to declare whether or not you are a                 continue to improve these services, and to
• If you have already had cancer, you will not                                                                   smoker, based on the following definition: ‘Anyone                   advertise, market or bring to my attention, goods or
                                                       • Diagnosis is made after the date of death               who uses or has used any tobacco product, including                  services which BHSF considers may be of interest
  be able to claim for any recurrence of cancer                                                                  nicotine replacements, within the 36 month period                    to me.
  in the same organ system or any secondary                                                                      prior to the date of application for either a new policy
  cancer (metastases). You should take this            • Diagnosis is made by yourself or by a                   or an upgrade to a higher level of cover’                                 Signature
  into consideration before deciding to apply            relative or family member
  for a policy                                                                                                      I confirm I am a smoker                                                                               Date
                                                       • Your policy will automatically terminate if any            I confirm I am not a smoker
• We do not take family medical history into             of the following occur:                                 please tick the appropriate box                                            We may advise you from time to time, about other
  account, therefore, even if you have a family         - Payment is made against a claim for either a                                                                                      products and services which may be of interest to you.
                                                                                                                                                                                            If you do not wish to receive this information please
  history of cancer, you can still take out a policy      malignant cancer (category A) or a benign              You should let BHSF know in writing of any change                          tick the box
                                                                                                                 to your smoking status during the life of your policy                                                                   OS 616 10/10
                                                          tumour within the brain, spinal cord or
• If you are a smoker, the payments you can               meninges (category B)
  claim are half those shown in the benefit             - Payment is made against any combination of                       INSTRUCTION TO YOUR BANK OR BUILDING SOCIETY TO PAY BY DIRECT DEBIT
  table. Whilst smoking is a proven cause of              claims where the total amount paid, equals             Name and full postal address of your Bank or Building Originator’s Identification Number
  lung cancer, the general medical risks                  the maximum level in category A or B                   Society
  associated with smokers are also greater                                                                                                                               8 3 0 1 2 3
                                                        - Premiums are outstanding for 45 days or                To: The Manager                Bank/Building Society
  than for those who do not smoke. Therefore,                                                                                                                          Reference Number
                                                          more                                                   Address
  for a smoker the risk of developing cancer is         - On your 75th birthday                                                                                         B H S F - P L -
  higher; which is why the amounts payable                                                                                                      Postcode               Instruction to your Bank or Building Society
  are halved. You should let us know if there is                                                                 Name(s) of Account Holder(s)                                          Please pay BHSF Limited Direct Debits from the
  any change to your smoking status                                                                                                                                                    account detailed in this instruction subject to the
                                                                                                                                                                                       safeguards assured by the Direct Debit Guarantee. I
                                                                                                                                                                                       understand that this instruction may remain with BHSF
            To apply complete the application form on page 35 or contact BHSF on:                                Bank/Building Society             Branch Sort Code                    Limited and, if so, details may be passed electronically
                              XXXXXXXXX or email XXXXXXXXXX                                                      account number                                                        to my Bank/Building Society.
                                                                                                             #




                                                                                                                                                                                            Signature
                                                                                                                 Banks and Building Societies may not accept Direct
                                                                                           Plan4Life | 34        Debit Instructions for some types of account.                                                            Date
                                                                                       Plan4Life - Important information
                                                                                       The Financial Services Authority (FSA) is an                    You have 14 days from the date you receive
                                                                                       independent body that regulates the general                     this policy to review it. If you are not
                                                                                       insurance industry. It requires us to give you                  completely satisfied with the policy, simply
                                                                                       certain information so that you can decide if                   notify us in writing within 14 days and we will
                                                                                       our services are right for you.                                 cancel your policy and refund any premium
                                                                                                                                                       collected.
                                                                                       This plan provides a range of cash
                                                                                       payments for those looking to obtain                            If you wish to register a complaint, please
                                                                                       financial assistance should they be                             do so in writing to
                                                                                       diagnosed with cancer or a tumour of the                        XXXXXXXXXXXXXXXXXXXXXXXXXXXXX
                                                                                       brain, spinal cord or meninges. In deciding                     XXXXXXXXXXXXXXXXXXXX or by
                                                                                       to purchase this product you will receive no                    telephoning XXXXXXXXX, quoting your
                                                                                       advice or personal recommendation from                          policy number. If you are not satisfied with
                                                                                       us. This insurance is underwritten by BHSF                      the outcome of the complaint, you may be
                                                                                       Limited who do not offer any similar                            entitled to refer it to the Financial
                                                                                       products in comparison.                                         Ombudsman Service.

                                                                                       XXXXXXXXXXXXXXXXXXX                                             BHSF Limited is covered by the Financial
                                                                                       XXXXXXXXXXXXXXXXXX is an insurance                              Services Compensation Scheme (FSCS).
                                                                                       company authorised and regulated by the                         You may be entitled to compensation from
                                                        Plan4Life                      Financial Services Authority. Our registration                  the scheme if we are unable to meet our

                                                        Application                    number is XXXXX. Details of our registration
                                                                                       can be checked at XXXXXXXXXX or by
                                                                                                                                                       obligations. Entitlement will depend on the
                                                                                                                                                       type of business and the circumstances of
                                                        form                           telephoning XXXXXXXXX.                                          the claim. Further information about
                                                                                                                                                       compensation scheme arrangements is
                                                                                                                                                       available from the FSCS website
                                                        Please return your completed                                                                   XXXXXXXXXX
                                                        application form to:

                                                        Plan4Life
                                                        XXXXXXX                           The Direct Debit Guarantee
                                                        XXXXXXXXXX
                                                        XXXXXXXXXX                        This guarantee should be retained by the Payer
                                                        XXX XXX
                                                                                          • This Guarantee is offered by all Banks and Building        • If an error is made by BHSF Limited or your Bank or
                                                                                            Societies that take part in the Direct Debit Scheme. The     Building Society, you are guaranteed a full and immediate
                                                                                            efficiency and security of the Scheme is monitored and       refund from your branch of the amount paid.
                                                                                            protected by your own Bank or Building Society.
                                                                                                                                                       • You can cancel a Direct Debit at any time by writing to your
                                                                                          • If the amounts to be paid or the payment dates change,       Bank or Building Society. Please also send a copy of your
                                                                                            BHSF Limited will notify you at least 10 working days in     letter to us.
                                                                                            advance of your account being debited or as otherwise
                                                                                            agreed.
                 Open for further information and application form

36 | Plan4Life                                                                         37 | Plan4Life
                                                                                                                                         PERSONAL ACCIDENT PLAN – APPLICATION FORm                                                                    BBSH-PA1
                                                                                                                                           PERSONAL DETAILS                                            Underwritten by AXA Insurance UK plc
                                                                                                                                                                                                       POLICY NO: XXXXXXXXXXX

  Personal accident – further information
                                                                                                                                         Title         Surname
                                                                                                                                                                                                       You and AXA Insurance UK plc can choose
                                                                                                                                         Forename(s)
                                                                                                                                                                                                       the law which applies to this policy. As they
                                                                                                                                         Date of birth                                                 are based in England they propose to
                                                                                                                                         Telephone no.                                                 apply the laws of England and Wales and by
                                                                                                                                         Email                                                         buying this policy you have agreed to this.

Nobody likes to think about it, but accidents do
                                                                                                                                         Home address
                                                                                                                                                                                                        DECLARATION

happen. With the personal accident plan you can                                                                                          Name of employer
                                                                                                                                                                       Postcode
                                                                                                                                                                                                      I hereby confirm that I would like to take out this
                                                                                                                                                                                                      Personal Accident Insurance. I declare that the
claim cash for injuries resulting from an accident.                                                                                      If you choose Family cover please complete the
                                                                                                                                         personal details of your spouse/civil partner/
                                                                                                                                                                                                      information given by myself is true and complete
                                                                                                                                                                                                      to the best of my knowledge and belief.
                                                                                                                                         permanent partner:                                           AXA Insurance is a member of the AXA Group.
                                                                                                                                                                                                      To set up and administer your policy we will hold
What accidents are covered by the                                                                                                        Title      Surname
                                                   The plan does not cover                                                                                                                            and use information about you supplied by you
                                                                                                                                         Forename(s)                                                  and by medical providers. We may send it in
plan?
                                                  • War/civil commotion/terrorism                                                                                                                     confidence for processing to other companies
                                                  • Intended self-inflicted injury/suicide/                                                LEVEL OF COVER                                             in the AXA Group (or companies acting on our
All serious injuries as specified in the table                                                                                                                                                        instructions) including those located outside the
                                                    attempted suicide/misuse of drugs                                                    Please select the cover of your choice:
of benefits, resulting from an accident that                                                                                                                                                          European Economic Area. By signing this form
                                                  • Aerial flight other than as a passenger
causes permanent disability or death are                                                                                                                                                              you consent to such use of your personal data.
                                                  • Sickness or disease not resulting from an                                                                             Individual    Family
covered, whether they happen at home, at                                                                                                    Total sum         No. of
                                                    injury                                                                                   insured                       monthly     monthly
work, or in your spare time. Fractures,                                                                                                       (up to)         units
                                                  • Wilful exposure to danger.                                                                                             premium     premium
burns and expenses for dental charges as                                                                                                                                                              Please ensure that YOU have signed this box
detailed in the table of benefits are also                                                                                                   £50,000             1          £1.70      £3.40           Signature
covered by the plan.                                                                                                                        £100,000             2          £3.40      £6.80
                                                                                                                                            £150,000             3          £5.10      £10.20                                           Date

How do I claim?                                       THE FACTS                                                                             £200,000             4          £6.80      £13.60
                                                                                                                                            £250,000             5          £8.50      £17.00              We may advise you from time to time, about other
                                                      • About 6 million people are injured in                                                                                                              products and services which may be of interest to
If you need to claim, simply contact BHSF                                                                                                   £300,000             6          £10.20     £20.40              you. If you do not wish to receive this information
                                                        accidents each year                                                                 £350,000             7          £11.90     £23.80              please tick the box
on XXXXXXX for a claim form.
                                                      • About 271,000 people are injured each                                               £400,000             8          £13.60     £27.20
Notice must be given to the Insurance                   year in road accidents                                                              £450,000             9          £15.30     £30.60                       FOR OFFICIAL USE ONLY
                                                                                                                                                                                                             (To be completed by BHSF Services Limited)
Company in writing as soon as practicable             • About 2.7 million people are injured at                                             £500,000             10         £17.00     £34.00                         EFFECTIVE DATE OF COVER -
                                                                                                                                                                                                        This will be the date when a fully completed application
and in any case WITHIN 30 DAYS of any                   home each year                                                                                                                                         form is received by BHSF Services Limited
                                                                                                                                           ENTER SELECTED
occurrence which may give rise to a claim             • About 328,000 million people are                                                   UNITS AND COST
                                                                                                                                                                                                                       Day     Month           Year
under this policy.                                      injured at work each year                                                                           ofInsurance
                                                                                                                                         Premiums areinclusive                              trate
                                                                                                                                                                      Premium Tax atthecurren    of
                                                                                                                                                                                                                                                        OS 616 10/10

Who can join?
                                                                                                                                                   INSTRUCTION TO YOUR BANK OR BUILDING SOCIETY TO PAY BY DIRECT DEBIT
Any colleague under 75 years of age at the        The above statistics have been obtained from RoSPA’s General Accident Statistics
                                                  published in January 2007 and RoSPA’s Accident Statistics – Brief Overview             Name and full postal address of your Bank or Building        Originator’s Identification
time of application, is eligible to apply. Your   published in 2007. These statistics have been drawn from the latest available
                                                                                                                                         Society
cover will automatically terminate on your        sources covering the periods 2002 to 2006.                                                                                                           8 3 6 4 2 7
75th birthday.                                                                                                                           To: The Manager                  Bank/Building Society       Reference Number
                                                                                                                                         Address                                                      B H S F -
                                                                                                                                                                          Postcode                    Instruction to your Bank or Building Society
                                                                                                                                         Name(s) of Account Holder(s)                                 Please pay BHSF Services Limited Direct Debits from
                                                                                                                                                                                                      the account detailed in this instruction subject to the
                                                                                                                                                                                                      safeguards assured by the Direct Debit Guarantee. I
            To apply complete the application form on page 39 or contact BHSF on:                                                                                                                     understand that this instruction may remain with BHSF
                                                                                                                                         Bank/Building Society         Branch Sort Code               Services Limited and, if so, details may be passed
                             XXXXXXXXX or email XXXXXXXXXX                                                                               account number                                               electronically to my Bank/Building Society.
                                                                                                                                     #




                                                                                                                                                                                                           Signature
                                                                                                                                         Banks and Building Societies may not accept Direct
                                                                                                                                                                                                                                        Date
                                                                                  Personal accident plan | 38                            Debit Instructions for some types of account.
                    Open for further information and application form

                                                                                          Personal accident plan -
                                                           Personal                       Important information
                                                           accident plan
                                                           Application                    The Financial Services Authority (FSA) is an                     You have 30 days from the date we issue
                                                                                          independent body that regulates the                              your certificate of insurance to review it. If
                                                           form                           general insurance industry. It requires us to                    you are not completely satisfied with the
                                                                                          give you certain information so that you                         insurance, simply notify us in writing within
                                                           Please return your completed   can decide if our services are right for you.                    30 days and we will cancel your cover.
                                                           application form to:                                                                            Provided a claim has not been made, we
                                                                                          XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX                                 will refund any premium collected.
                                                           Personal accident plan         XXXXXXXXXXXXXXXXX is an Intermediary
                                                           XXXXXXXXXXXXX                  authorised and regulated by the Financial                        If you wish to register a complaint, please
                                                           XXXXXXXXXXXXXXXX               Services Authority. Our registration number                      do so in writing to XXXXXXXXXXXXXXXXX,
                                                           XXXXXXXXXX                     is XXXXX. Our permitted business includes                        XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
                                                           XXXXXXX
                                                                                          advising on and effecting non-investment                         by telephoning XXXXXXXXXXXX, quoting
                                                                                          insurance contracts. Details of our                              your certificate number. If you are not
                                                                                          registration can be checked at                                   satisfied with the outcome of your
                                                                                          XXXXXXXXXXXXXXXXXXXXX or by                                      complaint, you may be entitled to refer it to
                                                                                          telephoning XXXXXXXXXXXX.                                        the Financial Ombudsman Service.

                                                                                          BHSF Services Limited is a wholly owned                          BHSF Services Limited are covered by the
                                                                                          subsidiary of BHSF Group Ltd.                                    Financial Services Compensation Scheme
                                                                                                                                                           (FSCS). You may be entitled to
                                                                                          BHSF Services Limited only offers products                       compensation from the scheme if we are
                                                                                          from selected insurers for travel insurance,                     unable to meet our obligations. This
                                                                                          personal accident insurance and life                             depends on the type of business and the
                                                                                          insurance. Products are offered in isolation                     circumstances of the claim. Further
                                                                                          and without comparison to the wider market.                      information about compensation scheme
                                                                                          A list of insurers offered can be provided on                    arrangements is available from the FSCS
                                                                                          request.                                                         website XXXXXXXXXXX.



                                                                                             The Direct Debit Guarantee
                                                                                             This guarantee should be retained by the Payer
                                                                                             • This Guarantee is offered by all Banks and Building         • If an error is made by BHSF Services Limited or your Bank
                                                                                               Societies that take part in the Direct Debit Scheme. The      or Building Society, you are guaranteed a full and
                                                                                               efficiency and security of the Scheme is monitored and        immediate refund from your branch of the amount paid.
                                                                                               protected by your own Bank or Building Society.
                                                                                                                                                           • You can cancel a Direct Debit at any time by writing to your
                                                                                             • If the amounts to be paid or the payment dates change,        Bank or Building Society. Please also send a copy of your
                                                                                               BHSF Services Limited will notify you at least 10 working     letter to us.
                                                                                               days in advance of your account being debited or as other
                                                                                               wise agreed.




40 | Personal accident plan                                                               41 | Personal accident plan
                                                                                                                    BLUESTAR CARE4 – APPLICATION FORm                                                                             BBSH-C41

                                                                                                                      PERSONAL DETAILS                                               DECLARATION
  BlueStar Care4 – further information                                                                              Title              Surname                                     I am applying to BHSF Services Limited for life
                                                                                                                                                                                   insurance cover in the sum of £5,000 or £10,000.
                                                                                                                    Forename(s)
                                                        the two years prior to the effective date, until you                                                                       I understand that no cover is available for any
What do I pay?                                                                                                      Date of birth
                                                        have not:                                                                                                                  pre-existing medical condition or related medical
There are two levels of cover to choose from - level     - had any symptoms or tests, or                            Telephone no.                                                  condition until a period of two years has passed
one which pays £5,000 benefit and level two which        - received any medication or other treatment                                                                              during which there have been no symptoms,
                                                         - sought medical advice                                    Email
pays £10,000. Premiums are based on the level of                                                                                                                                   tests, medication, other treatment or medical
cover you choose and your age. Premiums will            for an uninterrupted period of two years following          Home address                                                   advice concerning such condition. I wish to take
increase with age in accordance with the table and      the effective date.                                                                                                        out BlueStar Care4 insurance as indicated. I
the new premium will be collected at the new age        2. Directly or indirectly as a result of alcohol or                                                                        understand that variation can be made to the
band on the first payment date after your birthday.     solvent abuse, or the taking of drugs except under                                            Postcode
                                                                                                                                                                                   sum insured and/or monthly premiums if I am
We will write to you notifying you of the premium       the direction of a registered medical practitioner.         Name of employer                                               given at least 30 days notice of the change at my
increase.                                               3. As a result of suicide (in the opinion of the                                                                           last known address. In signing this application I
                                                        underwriter).                                                                                                              understand that my information will be used by
Who can apply?                                                                                                         LEVEL OF COVER
                                                        4. Arising from war or civil war.                                                                                          BHSF Services Limited (and relevant BHSF
Anyone aged 18 to 69 inclusive is eligible to apply                                                                 Please tick the cover of your choice:                          Group companies), Jubillee, Lloyd's Syndicate
                                                        5. As a result of exposure to radiation or other
for cover.                                                                                                                                                                         779 and Secure Health to provide me with
                                                        nuclear risks.
                                                                                                                                                   £5,000           £10,000        insurance realated services. This information
How do I apply?                                          How do I claim?                                                                         benefit level     benefit level   may also be used for the efficient administration
                                                                                                                            Age band                                               of the insurance, to monitor and continue to
Choose which level of cover is right for you.           A claim form can be obtained from our helpdesk                                                                             improve these services, and to advertise, market
                                                                                                                                                  Monthly premium payable by
Complete the application form on page 43 of this        on XXXXXXXXXXX. We will provide the address to                                                    direct debit             or bring to my attention, goods or services which
booklet and return it to BHSF Services Limited.         which the completed claim form must be sent at                                                                             BHSF considers may be of interest to me.
Premiums will be payable by monthly direct debit.       the time of claim. It should be submitted to our                     18 - 40              £2.00              £2.70
Subject to the terms of the insurance, it will be       underwriters by the representative of your estate
automatically renewed each month for as long as         and should be accompanied by the original death                      41 - 45              £2.10              £2.85
premiums are paid. Your cover will cease if you         certificate. The underwriters will also require
                                                                                                                             46 - 50              £2.40              £3.20          Please ensure that YOU have signed this box
stop paying your premium before your 70th               evidence of your age and may require other
birthday or on the premium due date after your          information which will be advised as appropriate.                                                                           Signature
70th birthday. There is no surrender value to the                                                                            51 - 55              £2.80              £4.00
insurance.                                                                                                                                                                                                            Date
                                                         Who provides the insurance?                                         56 - 60              £3.60              £5.60
How will I know if I have been accepted?
                                                        BlueStar Care4 is provided by BHSF Services                          61 - 65              £4.50              £7.60              We may advise you from time to time, about other
                                                                                                                                                                                        products and services which may be of interest to you.
You will be sent a welcome pack containing your         Limited and underwritten by Jubilee, Lloyd's                                                                                    If you do not wish to receive this information please tick
certificate of insurance and details on how to          Syndicate 779. Both are authorised and regulated                     66 - 69              £6.60              £11.60             the box
claim.                                                  by the Financial Services Authority. The information
                                                                                                                                                                                                                                       OS 616 10/10
                                                        here does not contain the full terms and conditions
When will my cover start?                               of the insurance contract and does not form part
                                                        of the certificate of insurance. The full terms and                      INSTRUCTION TO YOUR BANK OR BUILDING SOCIETY TO PAY BY DIRECT DEBIT
From the effective date shown on your certificate       conditions are provided in the certificate of
of insurance.                                           insurance which will be sent to you on acceptance           Name and full postal address of your Bank or Building          Originator’s Identification Number
                                                        of your application. If you wish to receive a copy of       Society
Exclusions                                                                                                                                                                          8 3 6 4 2 7
                                                        the certificate of insurance beforehand, please call        To: The Manager                       Bank/Building Society    Reference Number
We will not pay the sum insured if death occurs:        our helpdesk on XXXXXXXXXXX.                                Address                                                        B H S F - C 4 -
1. As a result of a pre-existing condition or related                                                                                                     Postcode                 Instruction to your Bank or Building Society
condition, for which you received medication,                                                                       Name(s) of Account Holder(s)                                   Please pay BHSF Services Limited Direct Debits from
advice or treatment, or experienced symptoms in                                                                                                                                    the account detailed in this instruction subject to the
                                                                                                                                                                                   safeguards assured by the Direct Debit Guarantee. I
                                                                                                                                                                                   understand that this instruction may remain with BHSF
                                                                                                                    Bank/Building Society            Branch Sort Code              Services Limited and, if so, details may be passed
             To apply complete the application form on page 43 or contact BHSF on:                                  account number                                                 electronically to my Bank/Building Society.

                            XXXXXXXXXXX or email XXXXXXXXXXX                                                                                                                            Signature
                                                                                                                    Banks and Building Societies may not accept Direct
                                                                                                                #




                                                                                                                                                                                                                        Date
                                                                                                                    Debit Instructions for some types of account.
                                                                                      BlueStar Care4 | 42
                                                                                            BlueStar Care4 - Important information
                                                                                            The Financial Services Authority (FSA) is an                     You have 30 days from the date we issue
                                                                                            independent body that regulates the general                      your certificate of insurance to review it. If
                                                                                            insurance industry. It requires us to give you                   you are not completely satisfied with the
                                                                                            certain information so that you can decide if                    insurance, simply notify us in writing within
                                                                                            our services are right for you.                                  30 days. We will cancel your policy.
                                                                                                                                                             Provided a claim has not been made, we will
                                                                                            XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX                                 refund any premium collected.
                                                                                            XXXXXXXX is an Intermediary authorised
                                                                                            and regulated by the Financial Services                          If you wish to register a complaint, please do
                                                                                            Authority. Our registration number is XXXXX.                     so in writing to XXXXXXXXXXXXXXXX
                                                                                            Our permitted business includes advising on                      XXXXXXXXXXXXXXXXXXXXXXXXXX or by
                                                                                            and effecting non-investment                                     telephoning XXXXXXXXX, quoting your
                                                                                            insurance contracts. Details of our                              certificate number. If you are not satisfied
                                                                                            registration can be checked at                                   with the outcome of your complaint, you
                                                                                            XXXXXXXXXXXXXXXX or by telephoning                               may be entitled to refer it to the Financial
                                                                                            XXXXXXXXXXXX.                                                    Ombudsman Service.

                                                                                            BHSF Services Limited is a wholly owned                          BHSF Services Limited and Jubilee, Lloyd’s
                                                                                            subsidiary of BHSF Group Limited. BHSF                           Syndicate 779 are covered by the Financial
                                                                                            Services Limited only offers products from                       Services Compensation Scheme (FSCS).
                                                                                            selected insurers for travel insurance,                          You may be entitled to compensation from
                                                                                            personal accident insurance and life                             the scheme if we are unable to meet our

                                                             BlueStar Care4                 insurance. Products are offered in
                                                                                            isolation and without comparison to the
                                                                                                                                                             obligations. Entitlement will depend on the
                                                                                                                                                             type of business and the circumstances of
                                                             Application                    wider market. A list of insurers offered can
                                                                                            be provided on request.
                                                                                                                                                             the claim. Further information about
                                                                                                                                                             compensation scheme arrangements is
                                                             form                                                                                            available from the FSCS website
                                                                                                                                                             XXXXXXXXXXXX.
                                                             Please return your completed
                                                             application form to:

                                                             BlueStar Care4
                                                                                               The Direct Debit Guarantee
                                                             XXXXXXXXXXXXXXX
                                                             XXXXXXXXXXXX                      This guarantee should be retained by the Payer
                                                             XXXXXXXXXX
                                                                                               • This Guarantee is offered by all Banks and Building         • If an error is made by BHSF Services Limited or your Bank
                                                             XXXXXXX                             Societies that take part in the Direct Debit Scheme. The      or Building Society, you are guaranteed a full and
                                                                                                 efficiency and security of the Scheme is monitored and        immediate refund from your branch of the amount paid.
                                                                                                 protected by your own Bank or Building Society.
                                                                                                                                                             • You can cancel a Direct Debit at any time by writing to your
                                                                                               • If the amounts to be paid or the payment dates change,        Bank or Building Society. Please also send a copy of your
                                                                                                 BHSF Services Limited will notify you at least 10 working     letter to us.
                                                                                                 days in advance of your account being debited or as other
                                                                                                 wise agreed.
                      Open for further information and application form

44 | BlueStar Care4                                                                         45 | BlueStar Care4
YOUR HEALTH AND LIFESTYLE BENEFITS BOOKLET




Thank you!
As a not-for-profit organisation BHSF has no one
to serve but its policyholders and customers. The
benefits brought together in this booklet and its
related websites are designed to offer you
excellent value. We hope you and your family have
enjoyed the special offers, products and services,
and have found them to be of good value.

Be sure to tell us how you found this benefit from
your employer by emailing XXXXXXXXXX



For further information on any of the
benefits included in this booklet
please contact BHSF


XXXXXXXXXX
XXXXXXXXXXX | XXXXXXXXXXXXXXXXX


All details are correct at the time of publication. No recommendations or endorsements of the
enclosed benefits are made by your employer with the exception of the colleague assistance
programme. Colleagues should be aware that in entering a contract with a benefit provider, you
will deal with the company concerned and not your employer.




                                                                                       Thank you | 46

				
DOCUMENT INFO
Shared By:
Categories:
Tags:
Stats:
views:5
posted:10/20/2011
language:English
pages:25