You will already have been sent a Group Secretary pack, which includes your company certificate of insurance and plan documents. We recommend that you read all the information carefully to ensure you are prepared for any questions your group members may have. You may also be interested in the plan members' How to make a claim page.
On this page, we've set out the rules for joining and leaving your plan, and explain what happens when various situations arise. If you have any complex or difficult queries please don't hesitate to contact us, or speak to the adviser who arranged the plan for you.
You can add new members at any time by completing an employee application form (let us know if you'd like some copies of our application forms). Once you've completed and signed the form, please return it to us or to the adviser who arranged your plan for you. Sorry but we can't accept photocopies, so please be sure to send the original.
We'll cover your new member from the date we receive the completed form, unless you ask us to delay the start date. If immediate cover is required, please advise us by letter or by fax. We'll then maintain temporary cover for the new member for a period of seven days whilst we await the return of the completed application form.
The additional premium for any new members will be detailed in your next adjustment account and will then be incorporated in the following premium collection.
Unless we specifically agree otherwise, the moratorium clause relating to pre-existing conditions will apply to all new members who are covered by Core Healthcare from the date on which they join the company plan.
Where new members may apply to switch to us from another insurer with continuous underwriting terms, they must complete a switch application form and have this approved by our underwriters in accordance with the eligibility criteria. They must provide a current certificate of insurance for each insured person to be covered. We can only provide continuous underwriting terms providing there has been no break in cover. They should not cancel their existing cover until acceptance has been confirmed in writing by us.
An insured member's husband, wife or partner and dependent children may apply to join at any time during a plan year. To add additional dependants to the plan, please call us and then follow the steps above for adding a new member.
If any person applying to join the plan already has cover with another insurer, we recommend that they do not cancel that cover until we have confirmed in writing that we have accepted their application.
For members covered by Core Healthcare who are adding newborn babies, please note that as long as the parent has been a member for at least ten months before the birth, and the child is added within 30 days of their birth, then we will not apply the exclusion for pre-existing medical conditions, or require the child to be medically underwritten. However, if notification is not received within 30 days of the child's birth, the moratorium clause will be applied.
While all premiums for plan members must be paid to us by your company, any premiums for employees' dependants may be reclaimed by your company from them, if you wish.
Please let us know by telephone or in writing if you'd like to remove a member or dependant from your company plan. There are no specific forms to be completed. We'll delete the member or dependant from the date on which we receive your instruction, unless you ask us to delay the deletion date. We cannot delay a deletion date beyond the point where a member's employment terminates.
It is important to notify us of any deletions as they occur during the plan year, as we are unable to 'backdate' these amendments. It is important to check your renewal documents thoroughly as no amendments can be made after the renewal date. There is also a danger that claims will be paid for members who are no longer eligible, which could have an adverse effect on your renewal premium.
As premiums are paid in advance, your next adjustment account will show a credit for any members who have left the company plan during the particular reconciliation period.
Your company plan provides cover for dependant children until the first annual renewal date on or after their 25th birthday. At that time they will automatically be deleted from the company plan. However, we will normally offer members covered by Core Healthcare the opportunity to take out an individual plan with us on similar terms. Details of this 'continuation option' will be sent directly to the dependant concerned who must respond within 30 days of the annual renewal date if they wish to take out an individual plan.
With the exception of those outlined above, it is not possible to make other changes to your company plan during the course of the plan year. We will, however, be pleased to discuss alterations with you at the annual renewal of your company plan.
We hope you will continue to be insured by us, but you should be aware of the following points regarding cancellation:
If you pay your premiums monthly you may cancel at the end of any month. We will then send you a final invoice to account for any members joining or leaving since the last renewal date.
If you pay annually in advance you may cancel at any annual renewal date and a final invoice will be prepared.
All liability for claims ceases from the date of cancellation itself. Whilst we will continue to accept claims for treatment incurred prior to the cancellation date, we cannot meet the cost of treatment incurred after the cancellation date, even if this is a continuation of an existing claim. It is your responsibility as Group Secretary to inform all insured members that the company plan has been cancelled.
If you need more information please refer to your plan documents, alternatively you can call us or speak to the adviser who arranged your company plan.
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