All UK residents aged from 16 up to and including 65 years can join. Existing members can continue with us after their 66th birthday on their existing plan at no extra cost.

Join our health plan today by completing and returning the application and direct debit forms at the back of one of our brochures , or by filling in the online forms on our downloads section.

If you would like to speak to one of our customer service representatives please call:
Tel: 01633 266152 / 250112
Freephone: 0808 178 1179

No medical examinations are required for you to join. You will need to complete and sign a health declaration when you apply. There is a qualifying period of three months before new members can make a claim and 12 months for known medical conditions at the date of joining.

Under our Personal Customers Scheme, partners (not relations) and dependent children under 16 years of age and living at the same address as you are covered for hospital in-patient benefits – provided you have already registered them with us before you make a claim. If more comprehensive partner and child cover is required we can arrange this on an alternative plan.

Under our Corporate scheme your partner can be enrolled on the same terms and conditions as you. Dependent children under 18 years of age can be covered on any chosen family plan.

Please contact our office on Freephone 0808 178 1179 for more information.

Personal schemes:

For benefits where you have to pay for the service received, such as dental, optical, medical specialist and therapies please send your original identifiable receipt to our office and we will arrange payment to you.

Receipts must be original (not copies), identifiable to you and in the case of handwritten or computer generated receipts they must also be signed, dated and stamped by the treatment provider.

For hospital related claims – in-patient, out-patient and day surgery – we provide claim forms which must be dated, signed and stamped by the hospital providing treatment.

With the exception of out-patient claims, for which we allow 12 months from the date of attendance, all claims must be made within three months of discharge from hospital or date of treatment received, or payment made.

Corporate schemes:

For benefits where you have to pay for the service received, such as dental, optical, medical specialist and therapies please send your original identifiable receipt to our office and we will arrange payment to you.

Receipts must be original (not copies), identifiable to you and in the case of handwritten or computer generated receipts they must also be signed, dated and stamped by the treatment provider.

For hospital related claims – in-patient and day surgery – we provide claim forms which must be dated, signed and stamped by the hospital providing treatment.

All claims must be made within three months of discharge from hospital or date of treatment received, or payment made.

Please contact our office for a claim form as soon as you know you are going into hospital. If your admittance is unexpected either ask a relative or friend to obtain a claim form on your behalf or contact us once you are discharged from hospital.

Alternatively hospital claim forms can be downloaded from our website. Please use the downloads menu at the top of this page.

Hospital benefit is payable for treatment received at registered UK hospitals. In-patient benefit is also available for emergency in-patient admission (including partner and children if registered with us before you make a claim) during temporary absence abroad (on proof of admission and discharge including the dates concerned).

Medical specialist fees are payable for consultation with a medical or surgical specialist holding consultant status in an NHS or registered private hospital in the U.K.

For other benefits where you have to pay for your treatment such as dentists, opticians and therapy providers, the practitioner must be qualified and registered with the appropriate U.K. registered professional body.

If in doubt please contact our office for details of the relevant professional bodies.

You can claim for dental and optical benefits three months after you join the plan, for treatment received after the initial three month period.