General Conditions
1. Responsibility cannot be accepted for any known condition from which contributors or their dependants suffered prior to joining the Fund (dental & optical excepted).
2. Persons wishing to rejoin the Fund will be subject to a review of past claims prior to readmittance.
3. All claimants will need to satisfy the Fund’s Office of validity of membership and claims. Personal and/or employment details may be requested.
4. Physiotherapy, Osteopathy, Chiropractic & Acupuncture treatment must be provided by a qualified and registered person. Claims supported by a doctor’s letter will also be considered.
5. BENEFITS
(a) will only be paid whilst contributions are being made.
(b) will only be paid to UK residents.
(c) are reviewed periodically by the Executive Committee.
6. Failure to cash cheques within six months will jeopardise payment of benefit. The Fund’s liability in respect of benefit cheques paid will cease after SIX MONTHS from the date of issue.
7. Maximum Rule: For in-patient and out-patient, day surgery and medical professional fees, the maximum total benefit payable inclusive of all 4 categories is the equivalent of a ten weeks in-patient benefit in any 5-year treatment period.
8. Maternity Benefit is not payable within 12 months of joining the Fund, nor upgrading from an existing scheme. In the case of upgrading, the benefit will be paid at the previous scheme benefit level.
9. In the event of a joint claim, only those contributors residing at the same address are eligible to claim.
10. Complaints about any aspect of our service should be reported to the Chief Executive on 01633 266152 or write to us at 13 Cardiff Road, Newport NP20 2EH. Complaints we cannot settle may be referred to the Financial Ombudsman Service.
These General Conditions do not contain our full Rules and Conditions, please contact the Fund’s Office if you require further details regarding the Rules and Conditions. These rules supersede all previously published rules.
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