brokers and introducers - general and medical healthcare · guiding principle, ... general &...

Brokers and Introducers Agency Information Pack

2www.generalandmedical.com

Choose General & Medical Healthcare 3

Technology/Broker Registration/Administration 4

Literature/Training/Quotations/Schemes 5

Commission/Star Rating/Registering/Termination 6

Policy Range/Opt-in 7

Private Health Insurance & Worldwide Travel Insurance 8

Sports Insurance 9

ProAmica Healthcare Trusts 10

Terms of Business Agreement 11-17

This brochure explains the different schemes we offer and the support we provide to our registered Brokers. If you have any questions, please do not hesitate to contact us on 0800 980 4601 / 01733 362872 or email us at [email protected].

Contents

3 here to help on 0800 980 4601

General & Medical Healthcare specialise in providing quality health insurance to individuals and families, businesses and other organisations, including associations and sports clubs. We pride ourselves on our first class customer service, never forgetting our guiding principle, People first…always.

General & Medical was established during the 1980’s initially providing finance and insurance services to the professions within the UK. We have continued to evolve at an impressive rate and today provide private medical insurance schemes to UK and international clients. We have our main office in Peterborough, Cambridgeshire with further administrative offices in Guernsey.

We are the preferred provider for the Association of Surgeons of Great Britain and Ireland. In addition, we retain a Medical Advisory Panel of fully independent surgeons and medical practitioners who work with us to advise us and help us to evolve.

We give a personal level of service to all clients. Telephone calls are never routed through a call centre or held in a queuing system. All clients of General & Medical Healthcare are assigned a named Health & Care Support Specialist, trained in medical terminology and claims handling and always on hand to help and advise.

As a healthcare specialist, all of our attention is focused on providing compelling healthcare solutions and by building on solid foundations, we continue to grow steadily. Our customers have peace of mind, knowing we will be there when they need us.

General & Medical Finance Ltd is regulated by the Financial Conduct Authority (FCA) in the UK and its services are covered by the Financial Ombudsman Service and the Financial Services Compensation Scheme.

Based in Guernsey, General & Medical Insurance Ltd underwrites the private healthcare schemes marketed by General & Medical Healthcare. General & Medical Insurance Ltd is authorised and regulated by the Guernsey Financial Services Commission and are covered by the Channel Islands Financial Ombudsman (CIFO).

Choose General & Medical Healthcare


TechnologyThe technology we use is both innovative and intuitive; it provides the tools that allow us to identify and produce appropriate solutions to meet the requirements of both you and your clients.

Broker RegistrationOnce registered with us as a Broker, or an Introducer, you will receive username and password details to a secure area of our website. When logged in, you will have access to product information, a quoting system and be able to view your agency and account details.

AdministrationAfter you have introduced a client to us we will deal with all ongoing administration. Where a client chooses to pay an excess on a claim, we collect the excess from the client rather than short falling provider invoices. This gives both the client and the provider of medical services a smoother claims process.

We keep clients in the pictureFull documentation will be issued to the client when taking out cover. Clients receive usernames and passwords to a secure area on our website, where they can view their specific cover details, print various documents and view their own claims. We also provide a range of leaflets expanding on certain aspects of cover.

TrainingAll Brokers registered with us must ensure that they are fully conversant with our products and services. In order to comply with FCA regulations, we provide everything that is needed for the Broker to attain

the high standard of knowledge required. This is achieved through training sessions, telephone support and our comprehensive literature.

QuotationsWith access to your own secure area of our website you will be able to obtain an instant quotation, and print any literature that may be required. For a more complex quote please telephone us on 0800 980 4601 / 01733 362872 or email our broker support team at [email protected]. All our quotations are valid for up to 21 days.

SchemesFor groups, companies and associations we can offer mandatory or voluntary participation in schemes. Cover is available on either a community rated basis or a claims related basis. The client can also choose any convenient date during a month for cover to start.

Over the years we have devoted much time and effort to our administrative and IT systems. The emphasis has been to provide a highly flexible framework that is ideally suited for both the individual and larger corporate markets - from underwriting terms to benefit provision and client servicing, so we are ideally positioned to meet the needs of any Broker.

Working together

5 here to help on 0800 980 4601

Commission structure We have resisted the temptation to set our rates at artificially high levels in order to offer artificial discounts to the customer or very high commissions to intermediaries, as we believe this may compromise fairness to the customer in some situations.

Commission paymentCommissions are paid monthly. You will receive a report of activity together with a commission payment report. Indemnity Commission is available, however terms and conditions apply.

High volumes of businessIf you introduce clients regularly which results in the production of consistently high volumes of business, we will be more than happy to discuss the possibility of enhanced rates of commission, through our star rating system.

Star ratingIn order to offer the appropriate service to our registered Brokers and Introduced Appointed Representatives, we have developed a simple star rating system.

From the information given on your application when you register with us, we will give you an appropriate star rating for the first year.

On renewal of annual registration the star rating may be varied for the subsequent year depending on volumes of business and type of business generated.

We set our premiums at a level that we believe gives the customer excellent value, whilst allowing us to offer the intermediary a competitive level of commission.

RegisteringYou may apply to register with us as either:

Working together

An FCA authorised Broker An FCA authorised Broker must be trained to close sales on General & Medical products.

An Appointed Representative of an FCA authorised Broker For Appointed Representatives of FCA authorised Brokers, the relationship will be between General & Medical and the host Broker.

An Introducer Appointed RepresentativeIntroducer Appointed Representatives need not be FCA registered, as they will not sell General & Medical products. They may only introduce clients directly to General & Medical.

Different commission levels apply to each category of registration.

TerminationIf for any reason we terminate our agency agreement with you, we will do so in writing. Your entitlement to commission on business introduced by you will remain in place until the natural expiry of such cover.


Opt-in

The Opt-in scheme is specially designed to allow companies, clubs and associations to offer a voluntary paid private health insurance scheme, to their employees or members at a discounted rate. This is without cost or an administration burden on the company, club or association. Employees or members joining a scheme will be responsible for paying their own premiums.

Companies, clubs and associations can register by completing an application form, available online via the General & Medical website. A member of our sales team will take care of the details, such as posters, web links and start dates.

Once registered, they will be sent details of how to access the secure administration area for their Opt-in scheme where they will be able to:

• Advise us of any basic changes to their details, contacts etc• See how many of their employees or members have bought cover, together with the type of cover• See how many of their employees or members have visited the Opt-in site

We offer a range of covers from in-patient only to comprehensive. Policies are invariably written on a 12 month basis and premiums can be paid monthly by direct debit or annually by direct debit, debit/credit card, BACS or cheque. There is no extra charge for monthly payments.

Our Private Health Insurance covers and Sports ranges are designed to meet the needs of:

• Individuals and Families• Companies, Groups and Associations• Sports Players and Sports Clubs

For group schemes, cover is available on a community rated or claims rated basis, for both mandatory schemes and voluntary participation. Clients may choose a convenient date during the month for cover to start.

For more details of our insured schemes and the covers available, please refer to pages 8 to 10 of this brochure and speak to our sales team by calling 0800 980 4601 or 01733 362872.

Working together - fully insured schemes

7 here to help on 0800 980 4601

Health Insurance - for businesses

The success of any business depends on their employees so it pays to look after their health. Our Business Flex corporate health insurance has been broken down into four key covers, giving business owners the flexibility to choose the right option for them and their employees.

Business PrimeFor corporate health insurance that provides essential cover to the whole business, the client may want to look into our Business Prime corporate medical insurance. Employees will become part of a system which enables them to jump the queues for appointments and undergo surgery for acute conditions, maintaining their health so they can carry on at work as normal. The annual overall maximum benefit limit is £50,000 per person.

Module 1If the client is looking to take care of their employee’s health on a wider scale, the Module 1 cover does just that. The client will be offering a more comprehensive cover for their employees, including out-patient benefits and cover for cancer treatment including radiotherapy and chemotherapy. What’s more, if employees are dealing with personal and concerning symptoms, they can call our GP advice line at any point in the day to discuss their health worries and find a solution.

Module 2A slight step up from Module 1, this package provides higher limits for out-patient benefits as well as added bonus’ such as cover for a private ambulance service and home nursing. In case of a personal accident that causes temporary disablement, Module 2 health insurance provides cash benefits. If the clients company frequently sends employees abroad for business, this healthcare cover provides members with medical costs abroad and in serious cases, Module 2 will meet the medical costs and cost of transportation back to the UK for urgent medical attention.

Business EliteOur highest corporate health insurance, Business Elite, is a popular choice across companies where a higher level of cover is required for their senior staff. This private health care plan includes all of the benefits of Module 2 plus some added benefits including cover for dental services, optical services and private GP services as well as palliative care for cancer patients. For members of staff who are looking to have children in the future, this care plan also covers private maternity services.


We offer a wide range of Private Health Insurance schemes, designed to meet the needs of individuals, families and businesses as well as international clients. We have summarised the schemes below. For full details and key facts, please ask for our Personal Healthcare, Business Healthcare and International Healthcare brochures.

EssentialsWith our Essentials range of private health cover, Policyholders will be entitled to a whole host of benefits including our 24/7 Health & Wellbeing services. If the policyholders biggest health concern is a history of cancer in their family, Essentials Plus includes access to cancer treatments and palliative care giving the policyholder the peace of mind that if they receive the worst news, they're going to get the best care.

EverydayFor medical insurance that gives that little bit extra, policyholders may want to consider our Everyday range of cover. The extra benefits from this plan include essential cover for cancer treatment, which increases for each of the first five years of the policyholders membership if they don’t make a claim for cancer treatment. In addition, this private healthcare plan provides out-patient cover for therapies, complementary medicine and cardiovascular conditions as well as cash benefits for life and critical illnesses.

LifestylePrivate health insurance plans aren’t just created with an individual in mind, the policyholder can look after the health of their whole family. Our Lifestyle cover is designed to give the policyholder and their family full cover for any in-patient admissions, enhanced cancer treatment and out-patient benefits. Other benefits included in the Lifestyle health insurance package include home nursing, heart condition treatment and the flexibility of a GP Advice Line 24 hours a day.

EliteElite cover is our highest level of personal medical insurance, including cover for dentistry, optical services, GP visits and palliative care for cancer patients. If the policyholder looking to use health insurance to cover them for absolutely everything, the Elite range is their best option. Not only is their health covered, but the Elite package looks after maternity services and the costs of boarding their beloved pets too.

Optional Worldwide Travel Insurance UpgradeAdding our Worldwide Travel Insurance gives members and their families the peace of mind of medical benefits and repatriation from any country worldwide, wherever they may be. Cover is provided for an unlimited number of trips within any 12 month period.

Other benefits included are:• Cover for winter sports• Generous cover for personal possessions• Cover for cancellation or curtailment of trips• Cover for up to 120 days maximum per trip• Personal Liability and Personal Accident cover

For a small additional fee, cover can also be upgraded to include scuba diving.

For more details, please refer to the relevant Worldwide Travel Policy Summary within our range of Private Health and Sports Insurance brochures. For more information, ask for copies of our brochures or download these from our website, or speak to a General & Medical adviser by calling 0800 980 4601.

Health Insurance - for individuals & families

9 here to help on 0800 980 4601

Our range of Sports policies has been specially designed for both amateur and professional sportspeople after years of experience in the sports healthcare market. We have summarised the schemes below, for full details and key facts, please ask for our Sports Healthcare and Sports Accident brochures.

Sports Health InsuranceOur Sports Health Insurance policies cover amateurs and professionals with all the core benefits of health insurance but including important cover for sports injuries. Players and clubs can benefit from unique features such as an additional team out patient benefit and cover whilst touring as well as complementary services such as our treatment booking service for non-eligible treatment. In addition, many of our participating hospitals have specific know how when it comes to dealing with sports injuries, with experienced physiotherapists and facilities for specialist treatment such as hydrotherapy.

For the purposes of Sports Health Insurance, we class amateurs and professionals as those receiving any fee, donation or benefit in kind from participation in their sport, whislt playing, coaching, or training at club, county, national or international levels.

Sports Accident InsuranceSports Accident Insurance has been specifically designed to provide some financial benefit in the event of an injury occurring whilst participating in any given sport.

Our Sports Accident Insurance also provides benefit for accidental injury whilst travelling to and from a scheduled match, training session or competition or whilst on an organised tour.

Sports Accident Insurance covers amateur activities. Professionals are not eligible to take out our Sports Accident Insurance.

For the purposes of Sports Accident Insurance, we class professionals as those earning more than £10,000 per year from participation in their sport. We cover individuals and teams including referees and match officials.

Risk Categories for Different SportsThe type of sport your client has chosen to participate in will affect the premium so, with this in mind we have a risk rating system. Different factors such as the levels of contact involved influence the risk, so we use our risk rating system to help us price fairly for any given sport. For more information, ask for copies of our brochures or download these from our website, or speak to a General & Medical adviser by calling 0800 980 4601.

Sports Insurance


Healthcare Trusts are therefore generally suited to companies with several years experience of a private health insurance scheme, with a low claims ratio. In these instances, substantial savings are possible compared to traditional fully insured private health insurance schemes. Unlike traditional health insurance, Healthcare Trusts are also not subject to Insurance Premium Tax.

General & Medical has established ProAmica Ltd to deal with all aspects of Trust establishment and administration services. Our experience and expertise will ensure that the claims are managed properly in accordance with the rules of the Trust. As each Trust is different, costs vary from client to client, so a full detailed quotation will be provided for each application.

A Trust can run on a totally non-insured basis but to complement the Trust, General & Medical Healthcare offer a range of additional services known as Trust Protect. These include a stop loss insurance, an Employee Assistance Programme, Worldwide Travel Insurance and cash benefits for members should they die from any cause, suffer personal accident or be diagnosed as suffering from a critical illness. Trust AdministrationProAmica’s personalised service sets the standard for the industry and is tailored to your needs. After helping to establish benefit levels and any limitations under the Trust, ProAmica will deal with all aspects of the Trust Administration on behalf of the client. From the very start, when member documentation is issued, ProAmica staff are on hand to help and advise the Trust members.

In addition, client companies are given access to their own secure area of the ProAmica website, to view up to the minute reports on how the Trust is performing.

Setting up a new Healthcare Trust Setting up a new Trust is straightforward and ProAmica Client Relations staff are closely involved throughout to ensure a straightforward transition from any previous healthcare arrangements.

The benefit levels chosen will have a significant impact on the size of the claims fund needed. ProAmica will work with you and your client to define the benefit levels best suited to the client and their budget. As well as recommending appropriate funding levels and suggesting options for keeping costs down, ProAmica will guide you and your clients through the whole process of:

• Drafting Trust deeds and rules • Nominating Trustees• Appointing ProAmica as the Administrator• Setting up a dedicated company trust bank

account

For more information, ask for copies of our brochures or download these from our website, or speak to a ProAmica adviser by calling 0800 084 2589.

Through our sister company ProAmica, we offer one of the best levels of service available for the set up and management of Healthcare Trusts. Healthcare Trusts are increasingly being used by companies who wish to offer their staff healthcare benefits and have acquired the confidence, not to require the protection of traditional insurance.

Healthcare Trusts

11 here to help on 0800 980 4601

Terms of Business Agreement

1. Introductiona) The Terms of Business Agreement detailed is between General & Medical Finance Ltd ('the company') and the Broker

Intermediary stated in section 1 of the application form ('the Intermediary or Broker').b) Nothing in this agreement is intended to override the duty of the Intermediary or Broker to place the interests of

policyholders before all other considerations to the extent required by the Financial Conduct Authority, or other regulatory body requirements (so far as such requirements are applicable to the Intermediary or Broker).

c) Nothing in this agreement shall require the company to transact any insurance business (including without limitation and where applicable to accept any proposal for insurance or renewal of any existing insurance policy or to maintain insurance cover in respect of any existing insurance policy) if (in its sole discretion and without providing any reason for doing so) the company decides not to do so.

d) General & Medical reserve the right at any time to do any of the following, as it sees fit, with notice: i) To reject any application to become a client (at quote stage); and/or ii) To make any client’s cover subject to conditions (at quote stage unless non disclosure then minimum 7 days notice); and/

or iii) To terminate, amend or modify any Scheme and/or any contract between General & Medical and any client (minimum 7

days notice).

2. Terma) This agreement shall commence on the Commencement Date and shall continue until terminated in accordance with this

agreement ('Term').

3. Scopea) The parties hereby agree that from the Commencement Date this agreement shall apply to the conduct of any business

transacted between them relating to General Insurance. The expression 'General Insurance' shall have the meaning assigned to it by Part 1 of Schedule 1 of the Financial Services and Markets Act 2000 (regulated Activities Order) 2001 (as amended from time to time). This agreement shall apply to any General Insurance business transacted between the parties the Intermediary or Broker.

b) The company will only accept business from Intermediaries or Brokers that are authorised and comply with the Financial Conduct Authority conduct of business rules in respect of non-investment insurances.

c) The company will accept business from Firms that have s39 Appointed Representative agreement in place and whose host company are able to conduct non-investment insurance business. The company will regard any host company as a Broker for the purposes of these terms and conditions.

d) The company may accept referrals from Introducer Appointed Representatives from time to time. Such Brokers are required to comply with Financial Conduct Authority requirements and are restricted to issuing financial promotions on behalf of General & Medical only.

4. Obligations of the Intermediaries/Brokers or Introducer Appointed Representativesa) The Intermediaries/Brokers or Introducer Appointed Representatives shall actively promote the company's services to their

customers and shall endeavor to encourage customers to use the company where reasonable. The Intermediaries/Brokers or Introducer Appointed Representatives have complete discretion as to the placement of any information, promotion or other material via their website.

b) The Intermediaries/Brokers or Introducer Appointed Representatives shall exercise reasonable care and skill in the performance of its obligations under the terms of this agreement and will act in a timely and professional manner.

c) The Intermediaries/Brokers or Introducer Appointed Representatives shall not knowingly carry out any activity, which may damage the reputation of the company.

d) The Intermediaries/Brokers or Introducer Appointed Representatives shall appoint an employee to act as a contact point for all matters in relation to this agreement and shall provide the appointee's contact details to the company including any changes to them.

e) The Intermediaries/Brokers or Introducer Appointed Representatives shall allow the company and its agents rights of access and audit to inspect any records relating to the services subject to reasonable notice.

5. Becoming the Appointed Broker for an Existing Clienta) For an existing client who has not been introduced by a Broker.

i) Where the client appoints a broker, prior to renewal, no commission will be paid on the first/current year. On renewal, where the client remains with General & Medical standard renewal commission will be paid.

b) For an existing General & Medical client who has already been introduced by a Broker. i) Where the client has decided to change Brokers prior to renewal, the existing Broker commission will cease from renewal.

The newly appointed Broker will receive standard renewal commission from the renewal only.On renewal where the client remains with General & Medical standard renewal commission will be paid.Please note: For the purposes of paying commission the change date will always be the first of a month. If the change date notified is not the first of a month we


will assign the first of the month following the notified change date as the change date for paying commission.

6. Transparencya) A broker may not deny the right of General & Medical or the insured to have direct contact with each other even where non-

standard special schemes have been arranged.

7. Commission Rates a) New Business: Where a Broker procures any new business they shall be entitled to commission at the Initial Commission Rate

applicable to that cover, as stated in the Commission Guide. In addition, where a Broker procures an increase in any cover of a member, which results in an increase in the amount of the net premiums payable in relation to such cover, commission will be adjusted in accordance with the new cover.

b) Renewal Business: Where a broker procures any renewal business, they shall be entitled to commission at the renewal commission rate applicable to that cover, as stated in the Commission Guide.

8. Calculation of Commissiona) General & Medical shall calculate commission relating to any cover by applying the appropriate commission rate to the

amount of the net premiums payable in respect of such cover. For the purpose of this provision, the 'net premiums' means the premiums payable in respect of such cover after deducting the following amounts:

i) Any part of any such premiums relating to that cover which is an extra premium payable for a temporary period as advised in writing by General & Medical;

ii) Any discounts and other deductions applied to the premiums, which reduce the amount payable by the member; iii) Any part of the premiums attributable to any fees or sales tax or Value Added Tax or any similar taxes or levies; iv) Any part of any such premiums relating to commission will be paid, net of all deductions required to be made by law,

either by BACS or by such other method as General & Medical may from time to time specify to any bank account the Broker has nominated to General & Medical in writing, attributable to any cover increased, purchased or renewed through the Broker.

b) General & Medical reserves the right to amend or vary this commission structure from time to time. Any such amendment or variation will be notified to the Broker in writing to the most recent address for that Broker that appears in General & Medical records and will apply to any cover increased, purchased or renewed after the date of the amendment or variation.

9. Unpaid Premiumsa) The entitlement to commission is conditional upon premiums being received by General & Medical. If any premiums in

respect of which commission has been paid are not received by General & Medical then the Broker will indemnify General & Medical in respect of any commissions overpaid.

10. Refunded Premiumsa) If, for any reason, any refund is made of any part of any premiums received, the Broker will no longer be entitled to

commission relating to the refunded premiums and the Broker shall immediately, upon demand, repay to General & Medical any commission paid in respect of the refunded premiums.

11. Payment of Non-Indemnity and Renewal Commissiona) Subject to the provision of the commission policy, commission will become due to the Broker as set out in this document and

will be paid (without interest) around the beginning of each calendar month (the 'Settlement Date') in respect of which the entitlement to commission arises, and of the net premiums receivable by General & Medical during the previous calendar month.

b) General & Medical’s decision is final regarding each Broker's entitlement to and the calculation of commission in respect of cover as the Broker of the client, subject to arbitration/mediation or the courts if necessary.

12. Reduced Premiums and Lapse of Covera) If, for any reason, the net premiums due from any member in respect of any cover are reduced then, with effect from the date

of the reduction, the Broker’s entitlement to commission in respect of such cover for any period following such date shall be calculated by reference to the net premiums and so reduced. Brokers cease to be entitled to any commission in respect of any cover that lapses.

13. Indemnity Commissiona) Indemnity Commission is payment to the Broker of the notional commission due for a 12 month period on an insurance

policy at or near policy inception or at renewal. The policyholder has the right to cancel during the policy year and the right to partial or full refund of premium. In these circumstances the Broker receives the commission and indemnifies General & Medical for the return* (see note 1) of any proportion of the commission relating to the cancelled period of a policy which has been cancelled, as per the published Commission Guide Clawback Table. There is no right of appeal against the clawback amount and the Broker must repay on demand by General & Medical.**(see note 2)

b) Where a client varies cover during the policy year and the calculation and payment of the indemnity commission to the Broker, without cancelling the policy, General & Medical will maintain an account for the life of the policy year, and any under or over payment of commission will be reconciled at the end of the policy year.

i) Exception: where the variation results in a reduction of premium due by more than 50%, a partial clawback will be required in proportion to the reduction in premium collected.

13 here to help on 0800 980 4601

c) To be offered Indemnity Commission terms, the Broker must have maintained an active registration for at least 12 months and produced Insurance business on standard commission terms as per the published star rating guidelines and completed the Indemnity Commission application.

d) Whether at policy inception or at renewal, Indemnity Commission is paid when sufficient premium has been received from the client to cover commission amount. For example:

i) Where a client pays annually, commission will be paid after the payment is recorded. ii) Where a client pays monthly, commission will be paid when sufficient monthly payments are accrued to be in excess of

commission amount. *note 1 Return of commission is usually achieved by General & Medical deducting the amount of the return from other commission due to the Broker for other business as shown and detailed on the monthly bordereau. Where there is insufficient funds available on the account the balance outstanding after deduction becomes payable by the Broker immediately. **note 2 Failure to repay on demand any return commission may lead to legal proceedings being initiated against the Broker and interest being charged on the outstanding debt at the rate of 4% above published current Bank Base Rate until the debt is discharged. The Broker's registration will also be cancelled and any further commission due on any other business will be forfeit.

14. Terminationa) Either party may terminate this agreement by giving 3 months prior written notice to the other party.b) If either party is substantially prevented from performing or becomes unable to perform its obligations under this agreement

due to a Force Majeure Event, subject to no mutually agreeable alternative being reached within 14 days from the date of the Force Majeure Event, either party may terminate by giving immediate written notice to the other party.

c) Either party may terminate this agreement with immediate effect if: i) A material and bona fide dispute is raised between the parties, which cannot be resolved within 30 days; ii) Either party commits a material breach of any of the terms of this agreement, provided that where such a breach is

capable of remedy, the breaching party has been advised in writing of the breach and has not rectified it within 30 days of receipt of such advice; or

iii) Either party has a receiver, administrative receiver or administrator appointed over the whole or a material part of its undertaking or assets, is unable to pay its debts (as defined by section 123 of the Insolvency Act 1986) or enters into any composition or arrangements with its creditors.

d) Termination of this agreement shall not affect any accrued rights or liabilities of either party, which have arisen on or before the date of termination, nor shall it affect the coming into force or continuance in force of any provision, which is expressly or by implication intended to come into or continue in force on or after such termination.

15. Amendmentsa) No amendment of this agreement shall be effective unless it is in writing and signed by or on behalf of each of the parties.b) For the avoidance of doubt, both parties agree that a communication by email shall constitute to be a communication in

writing with regard to clause 15.a) above.

16. Liability and Indemnitya) Nothing shall exclude or restrict either party’s liability:

i) For death or personal injury resulting from the negligence of that party or its employees acting in the course of their employment, or its agents, acting in the furtherance of their duties; or

ii) For fraudulent misrepresentation or other fraud.b) Subject to clause 16.a), the exclusions and limitations of liability contained in this agreement shall apply regardless of whether

the loss or damage was foreseeable or whether the company notifies General & Medical of the possibility of greater loss.c) Subject to clause 16.a), General & Medical shall not be liable for:

i) Loss of or damage to profits, business, agreements, data, opportunities, anticipated savings or goodwill or for ii) Any indirect or consequential loss or damage however arising.

d) General & Medical shall not be liable for any delay or failure in the provision of the services to the Intermediaries/Brokers to the extent that such delay or failure is due to the delay or failure by the Intermediaries/Brokers to comply with its obligations under this agreement.

e) Both parties shall indemnify and keep indemnified either party against losses, damages and expenses (including reasonable legal costs) up to £50,000 arising from:

i) A breach of the agreement. ii) A claim or action brought against either party or its affiliates for infringement of third party intellectual property rights

arising from the either parties use of any information or material (including the logo) provided by either party.

17. Material Non-Disclosure and Misrepresentationa) Our acceptance of any client is based on the information provided being accurate and there being no material non-disclosure

or misrepresentation by the company or the Broker of any of the information that could potentially disadvantage General & Medical. In such circumstances General & Medical reserve the right to withhold commissions payable and, if appropriate remove the client from cover.

b) The Intermediary or Broker undertakes to pass on to the company any information that relates to the insurance cover provided to the policyholder whether it is provided by or on behalf of the policyholder.

c) The company shall have the right to make such investigation of the Intermediary or Broker’s credit or trading status, as it deems appropriate.


18. Force Majeurea) Neither party shall be liable in any way for loss, damage or delay caused by any event or circumstances beyond its reasonable

control ('Force Majeure Event').

19. Product Knowledgea) The Intermediary or Broker undertakes that it will have full knowledge of the products and services provided by the company

in terms of benefits and rules. It is the responsibility of the Intermediary or Broker to inform the company of any product training needs.

20. Regulatory Compliancea) The Intermediary or Broker shall at all times during the term of this agreement abide by, as a minimum, the principles and

rules laid down by the Financial Conduct Authority, The Information Commissioners Office and the Association of British Insurers code of practice.

b) The Intermediary or Broker confirms that it has at all times since the commencement date been directly authorised by the Financial Services Authority to undertake insurance mediation and undertakes throughout the duration of this agreement to maintain such authorisation.

c) The Intermediary or Broker confirms that it will maintain in full force throughout the duration of this agreement and for a period thereafter as may be necessary or desirable Professional Indemnity Insurance cover at such level and on such terms as are necessary in the context of the insurance business conducted by the Intermediary or Broker and no less than was declared on the agency application completed by the Intermediary or Broker. If requested by the company, the Intermediary or Broker may have to deliver such evidence of such Professional Indemnity Insurance cover.

d) The Intermediary or Broker shall notify the company without delay in writing the following; i) The Intermediary or Broker is or likely to become the subject of an audit of other investigation by the Financial Conduct

Authority or other regulatory body. The Intermediary or Broker shall keep the company informed at all times during any investigation and to pass on any relevant copy documents to the company if required to do so.

ii) Any circumstance that may result in the ability of the Intermediary or Broker to sell general insurance being impaired, restricted or in any way is at the detriment of either the policyholder or the company.

iii) Any regulatory approval or authority of the Intermediary or Broker is or is threatened to be suspended, withdrawn, modified or impaired.

21. Data Protection Act 1998a) Each party agrees to comply with its respective obligations under the Data Protection Act 1998 as may arise under this

agreement. b) Either party undertakes to ensure that it has and at all times during this agreement and for a period thereafter as may

be necessary have, sufficient systems and controls in place to protect any personal data from any unauthorised access or unlawful processing and against accidental loss or destruction of, or damage to, personal data held or processed by it.

c) Either party ensures that personal data provided by the other is only used for the purpose for which it was collected and disclosed.

d) Either party will indemnify the other up to £50,000 against any and all losses or damages suffered as a result of failing to comply with the Data Protection Act 1998.

e) Either party ensures that personal data passed on to the other has been collected with the consent of all parties named therein, and that such use does not breach any notification under the Data Protection Act 1998.

22. Intellectual Property & Confidentially a) Unless otherwise stated nothing in this agreement will result in the transfer of ownership from one party to the other of any

intellectual property belonging to either party whether product, design, trademark, copyright or otherwise.b) For the avoidance of doubt all intellectual property rights in the brand name, terms and conditions, and wordings of any

policy, guidance and information books, policy schedules and any associated documentation issued by the company shall belong to the company.

c) The Intermediary or Broker confirms that it will keep confidential, protect and not to disclose to any third party any confidential information, technical data or trade secrets in respect of the company (during the term of this agreement and after). The Intermediary or Broker confirms that it will use its best endeavours to prevent the disclosure of any confidential information of the company and shall not use or disclose such information without he prior written consent of the company or as required by law or in accordance with the order of a court of tribunal of competent jurisdiction. This obligation shall not apply to the information, which is publicly available or becomes publicly available otherwise than as a result of a breach of this provision or any other confidentiality agreement relating to any of the matters referred to in this agreement.

23. Partnership/Agencya) Nothing in this agreement shall be deemed to constitute a partnership, association, joint venture or other cooperative

exercise between the parties nor to constitute either party the agent of the other for any purpose unless specifically stated in this agreement.

b) To maintain as active registration with General & Medical you must: i) Comply with the Terms of Business Agreement stated herein. If you are unable to comply, your registration will be

reviewed and could be de-activated, any commission will continue at the next renewal date of any clients already introduced. Registration may be considered for re-activation at a later date if you find you are able to comply.

15 here to help on 0800 980 4601

24. Services and Covera) The benefits and cover of our Healthcare Schemes are described in 'the Guide to your Health Scheme'. Firstly, some important

things to remember. Treatment must be on the initial recommendation of an NHS GP and by written referral. A consultant must provide day-case/in-patient treatment/out-patient surgical operations. For day-case and in-patient treatment, the client must use a hospital recognised by us. These hospitals are called Participating Hospitals and are published on our hospital list. Hospitals available under the chosen level of cover are shown in client's Certificates of Cover as First Choice, Freedom or Premium. The maximum UK healthcare benefit available per person per membership year is detailed in the Key Facts summary of covers and is also detailed in 'the Guide to your Health Scheme'.

25. Advertising and Marketinga) The Intermediary or Broker shall not authorise the publication, broadcast or distribute any advertisements or other

publications without the written consent of the company.b) The Intermediary or Broker will undertake that the promotional or marketing material that it will use has the approval of the

company.

26. Client Documentationa) Policy Documents will always be sent direct to the insured, copy documents may be sent to the Broker, where requested. If

any special arrangement has been agreed in writing with the Broker to send policy documents via the Broker, these must be forwarded to the insured unadulterated and complete within 24hrs of receipt.

27. Complaintsa) The Intermediary or Broker confirms that they will advise the company of any complaint that the Intermediary or Broker has

received regarding the company by close of business the day following the date when the Intermediary or Broker received the complaint.

28. New Businessa) The Intermediary or Broker confirms that any policy application forms sent to the company will include or the company would

have been sent prior to the application, the following; i) In respect of group applications, full contact information and date of birth details for each individual on the application

form. ii) Medical declarations, claims histories and proof of previous insurance, depending on the type of underwriting requested. iii) Completed direct debit mandate.

b) On receipt of all required documentation the company will endeavour to issue policy documentation to the policyholder (or the Intermediary or Broker if requested to by the policyholder) 2 weeks before the inception date of the policy. The company does not accept any responsibility for the delay in issuing the policy documentation if it does not receive all of the required documentation in sufficient time to process the application.

c) In the event of any policy amendment or cancellation the Intermediary or Broker will be responsible for the return to the company all issued policy documentation and associated literature.

d) If Holding Cover is required before the relevant documentation reaches our offices, the Broker must inform General & Medical in writing, via fax or email, before or on the inception date. Cover will then be provided subject to our terms and conditions and receiving a fully completed application form within 7 days from the inception of cover.

29. Client Renewalsa) The company will endeavour to produce renewal documents at least 21 days before the renewal date, these documents will

hold sufficient information to enable a policyholder to decide whether to renew.b) The renewal documents will not hold any personal or detailed information about any individual’s circumstances or claims

details. The renewal documents contain the following; i) Basic scheme information. ii) Projected claims for year including tail claim values. iii) Number of claims over £5,000 in value. iv) Renewal premium.

30. Invaliditya) To the extent that any provision of this agreement is found by any court or competent authority to be invalid, unlawful or

unenforceable in any jurisdiction, that provision shall be deemed not to be a part of this agreement, it shall not affect the enforceability of the remainder of this agreement nor shall it affect the validity, lawfulness or enforceability of that provision in any other jurisdiction.

31. Exclusion of third party rightsa) No term of this agreement is enforceable pursuant to the Contracts (Rights of Third Parties) Act 1999 by any person who is

not a party to it.

32. Governing Law and Jurisdictiona) This agreement shall be governed by and construed in all aspects in accordance with the law of England and Wales and the

parties hereby submit to the exclusive jurisdiction of the English courts.


33. Underwriting Definitions (as they appear in 'the Guide to your Health Scheme')The type of underwriting which applies to a client's cover will be stated on their Certificate of Cover. Definitions of the types of underwriting follow (not all types of underwriting are available to every applicant).

a) Full Medical UnderwritingMeans that we will ask for a full medical declaration for each person to be covered under the scheme. You are required to make a declaration regarding your health and tell us about any conditions which existed before joining our scheme even if a medical opinion had not been sought. Applicants must disclose relevant information. After the application form is submitted we will review the information and decide on what basis we will provide cover. We will then inform you of any pre-existing medical conditions or other medical conditions that will be excluded from cover either permanently or to be reviewed after a pre-determined period of membership. These additional exclusions will be shown on your Certificate of Cover. Where the schedule is issued at group level we will inform the individual employee of the specific details of the exclusion and the Certificate of Cover issued at group level will simply show that an unspecified additional exclusion applies to a given individual(s).

b) Moratorium UnderwritingMeans there is no need to complete a medical declaration on application. It is a period whereby we do not cover you for any condition, or any related condition, which existed, i.e. of which you have had symptoms, even if a medical opinion has not been sought, in the last 60 months prior to joining. Such conditions may automatically become eligible for cover, providing the condition, or any related condition, does not remain present, including in remission and only when you do not have symptoms, receive treatment, medication, tests or advice (from your G.P. or Specialist) for that condition, or any related condition for a continuous period of 24 months after your cover with us has started and immediately prior to any consideration of reinstating cover for that condition.

c) Continued Moratorium Underwriting (Continued Mori)To consider continued moratorium underwriting we will require your previous insurance certificate, which will show us the commencement date of your original moratorium underwriting. Your original moratorium period must not already have expired and must still be in force with at least 12 months remaining in order for us to accept you on a continued moratorium basis. Your previous insurance certificate must expire no earlier than the day prior to your commencement of cover date with us (if you have had cover with more than one insurer since the commencement of your moratorium we will require proof of continuing cover). You will not be covered for any condition, or related condition which existed i.e. of which you have had symptoms, even if a medical opinion has not been sought, in the 60 months before your original insurance commencement date. Such conditions may automatically become eligible for cover providing the condition, or any related condition does not remain present, including in remission and only when you do not have symptoms, or receive treatment, medication, tests or advice from your G.P. or specialist for that condition, or any related condition for a continuous period of 24 months after the commencement date of your previous cover from which you transferred directly to cover with us and immediately prior to any consideration of our reinstating cover for that condition.

d) Continued Personal Medical Exclusions (CPME) – individuals or groups of up to 19 membersWe are prepared to consider accepting individuals or a group scheme presently insured by another provider. This is often referred to as CPME (Continuation of Personal Medical Exclusions).The following conditions apply for us to consider accepting a scheme on these terms:

The scheme must have been previously fully underwritten and any exclusions (or other appropriate endorsements) applied to any pre-existing conditions. Any scheme where more than 20% of the employees were accepted on Medical History Disregarded terms (MHD) will not be considered for CPME transfer. All covers for company paid schemes must be mandatory for employees and fees must be 100% employer paid.

The following information is required for us to consider CPME transfer:a) Full names, dates of birth and home addresses for all applicants. Company schemes must declare which applicants

are employees and which are the dependents of employees.b) A valid and current Certificate of Insurance for each applicant and any dependants stating their underwriting terms

and details of any exclusions. c) A copy of the existing insurers offer of renewal.

For previously insured applicants who join after the scheme start date of cover with us, we offer the joining applicant the option of CPME Underwriting for which we require:

a) A valid and current Certificate of Insurance for each applicant and any dependants, must be provided to us stating their underwriting terms and details of any exclusions.

For previously uninsured applicants who join after the scheme start date of cover with us, we offer the joining applicant the option of either:

a) Full Medical Underwriting, orb) Moratorium Underwriting

The choice of (a) or (b) has to be made at the scheme inception and can only be varied at renewal.

17 here to help on 0800 980 4601

e) Continued Personal Medical Exclusions (CPME) Employer paid – groups of 20 or more membersWe are prepared to consider accepting a group scheme presently insured by another provider. This is often referred to as CPME (Continuation of Personal Medical Exclusions). The following conditions apply for us to consider accepting a scheme on these terms:

The scheme must have been previously fully underwritten and any exclusions (or other appropriate endorsements) applied to any pre-existing conditions. Any scheme where more than 20% of the employees were accepted on Medical History Disregarded (MHD) terms will not be considered for CPME transfer. For companies and individuals who have completed the required documentation, undisclosed medical conditions on a CPME transfer will be rejected.

The scheme must satisfy the following criteria:a) All employee covers are mandatory and fees are 100% employer paid.b) Part-time employees, employees over the age of 65 and those resident outside of the UK do not constitute the

minimum employee requirement for the scheme to be considered.

The following information is required for us to consider CPME transfer:a) 3 years claims experience.b) Full names, dates of birth and home addresses for all applicants. The company must declare to us which applicants

are employees and which applicants are the dependents of employees.c) A valid and current Certificate of Insurance for each applicant and any dependants must be provided to us stating

their underwriting terms and details of any exclusions. d) A copy of the existing insurer’s offer of renewal. e) Disclosure of any members who have ever been diagnosed with any heart, cancer, psychiatric or orthopaedic joint

condition.

For previously insured applicants who join after the start date of cover with us, we offer the joining applicant the option of CPME Underwriting. A valid and current Certificate of Insurance for each applicant and any dependants must be provided to us stating their underwriting terms and details of any exclusions.

For previously uninsured people who join after the start date of cover with us, we offer the joining group/company the option of either:

a) Full Medical Underwriting, orb) Moratorium Underwriting

The choice of (a) or (b) has to be made at the scheme inception and can only be varied at renewal.

f) Medical History Disregarded (MHD)For large group schemes we may offer underwriting terms on a Medical History Disregarded basis. Under the terms of this cover there is no requirement to complete any medical declaration and the moratorium clause does not apply. No exclusions will be based on the cover in respect of pre-existing conditions although the rules and benefits of the scheme purchased will still apply. Special terms apply allowing babies to be added to cover on Medical History Disregarded Schemes.

We are prepared to consider accepting a group scheme presently insured by another provider on a ‘MHD’ basis in accordance with the following criteria:

For MHD schemes generally:a) The scheme must have been previously insured or have been placed within a Trust Arrangement.b) All fees are mandatory and 100% employer paid (part-time employees, employees over the age of 65 and those

resident outside of the UK do not count towards the minimum employee requirement for the scheme to be considered).

For Claims related, flat rated schemes with a minimum of 50 adult registrations:The following information is required for us to consider transfer:

a) 3 years claims experience.b) Number and ages of employees.c) A copy of the existing insurers offer of renewal.

For Community rated, age related, schemes with a minimum of 20 adult registrations:The following information is required for us to consider transfer:

a) 3 years claims experience. If unavailable the reason must be stated in writing by client or Broker.b) Number and ages of employees.c) A copy of the existing insurers offer of renewal.

Finally for MHD Schemes generally:a) Disclosure of any members who in the last 36 months have been diagnosed with any heart, cancer or psychiatric

condition.b) Additional members joining an existing MHD group or company currently insured with us but with less than 100

members will be subject to new moratorium underwriting terms.


c) For additional members joining an existing MHD group or company currently with us but with more than 100 members, we are prepared to accept the additional new joiners on Medical History Disregarded Basis.

Adding a baby to cover on a Medical History Disregarded Scheme:i) Where the group/company has opted for a premium loading to enable new joiners to be added on Medical

History Disregarded terms, providing the mother has already been a member of the scheme for a minimum of 10 months, then an application to add the baby will be accepted on Medical History Disregarded terms, subject to the monetary limit applicable for the first 180 days of life. If the mother has not been a member of the scheme for 10 months, the baby will be added on a Fully Underwritten, or a Moratorium basis. We do not pay for any treatment to a child on cover for the first 30 days after birth.

ii) If the group/company has opted to add new joiners on a Moratorium or a Fully Underwritten basis with no premium loading, providing the mother has already been a member of the scheme for a minimum of 10 months, if we receive the application for cover, within the first 30 days of the baby’s life, he or she, can be added to cover without being underwritten. This means if the baby has a medical condition which has occurred between birth and being added to cover, providing the condition is eligible we will accept a claim for treatment of that condition subject to the monetary limit applicable for the first 180 days of life. We do not pay for any treatment to a child on cover for the first 30 days after birth. If the mother has not been a member of the scheme for 10 months, or the baby is over 30 days old, he or she will be added on a Fully Underwritten, or a Moratorium basis, subject to the monetary limit applicable for the first 180 days of life. We do not pay for any treatment to a child on cover for the first 30 days after birth.

iii) It is important to note, that although a baby may be added to cover very soon after birth and may be accepted on Medical History Disregarded terms, our healthcare schemes will only cover acute and curable events, which occur after the birthing process and are not congenital or believed to have been present since birth (whether inherited or caused by an environmental factor).

Limits to cover: Where a baby has been added to cover on a Medical History Disregarded, basis there is a limit to cover for any eligible conditions that arise within the first 180 days of life of £5,000 in total. For any eligible conditions that arise after the first 180 days of life normal limits apply in accordance with the terms of the cover selected.

g) MHD Members leaving an existing General & Medical Group or Corporate Schemei) Upon receiving word from the group/corporate administrator or the Broker that an employee is about to leave,

but would like to stay with us. General & Medical will generate a quote according to the claims experience and assuming a continuation of the underwriting terms. The quotation pack will be sent by post or email to the Broker or Group Administrator.

ii) All employees leaving an existing group or corporate scheme will be required to complete an application form. The application form must be returned to General & Medical within 14 working days.

iii) Any ongoing eligible claims relating to the employee or their dependents will be honoured, in accordance with the original terms of the scheme.

19 here to help on 0800 980 4601

If you would like to know more or you would like a quote and application form

Please call us on 0800 980 4601 or 01733 362872

You can email us at [email protected]

Write to us at General & Medical HealthcareGeneral & Medical HouseNapier PlacePeterboroughPE2 6XN

Visit us online at www.generalandmedical.com

How to Contact Us

Want to know more? Please contact us on

0800 980 4601 or 01733 362872

[email protected]

or visit www.generalandmedical.com

C-1001 v5.35

Administered by General & Medical HealthcareA division of General & Medical Finance Ltd - Registered in England No 2421641.

Registered Office: General & Medical House, Napier Place, Peterborough, PE2 6XN. General & Medical Finance Ltd are authorised and regulated

by the Financial Conduct Authority (FCA) - FCA No 579509 which can be checked by visiting www.fca.org.uk