Additional Information About Medical Recovery Insurance
Frequently Asked Questions regarding MyRecoveryCheque..
1. What is MyRecoveryCheque?
2. Who can buy MyRecoveryCheque?
3. What’s not covered by MyRecoveryCheque?
4. How many operations and medical procedures can I claim for in each year?
5. Is Cancer Covered?
6. How are Heart Surgery and Heart Attacks Covered?
7. Are Day Case and Accident and Emergency Treatments Covered?
8. What happens if my recovery time is longer than expected?
9. Can I use my MyRecoveryCheque benefit to help pay for private treatment?
10. Can I increase my level of benefit once I have joined?
11. Is there a maximum age limit above which cover ceases?
MyRecoveryCheque is a low-cost insurance protection product that differs from traditional private and corporate hospital cash plans by providing a range of generous financial benefits that are tiered to reflect the recovery time for a medical procedure.
Designed for private individuals and employers, our policies represent a fresh approach to standard hospital schemes that offer set cash benefits geared to the time spent in hospital irrespective of the length of time an employee is unable to work.
MyRecoveryCheque policies provide a vital injection of cash to cover all out-of-pocket expenses and a reduced income to help individuals and their families manage until they’re expected to return to work.
You can apply for a policy if you are between the ages of 18 and 65 and live in the United Kingdom, Isle of Man or Channel Islands for more than 180 days a year.
As you would expect with any insurance policy, we can’t cover any planned treatments arising from any medical conditions that you have had in the 12 months prior to your joining for which you were aware might require a medical procedure.
In addition, the following are not covered by MyRecoveryCheque:
►Medical procedures which are solely for the purpose of diagnosing a condition such as biopsies, unless the biopsy requires an invasive surgical procedure such as a laparoscopy, or where a significant incision has to be made
►Pregnancy-related procedures are not covered unless it is an emergency and unexpected admission to hospital
►Childbirth, whether natural or by Caesarean section
►Recurrences of Cancer previously diagnosed
►Cosmetic surgery and surgery for weight loss
Other policy exclusions apply and these are explained in your Policy Document.
As recovery times are not normally extended by having one operation shortly after another, there are restrictions if multiple operations are performed in quick succession and these are explained in the Membership Guide on Page 7.
Cancer treatments will normally involve an episode of surgery plus a course of chemotherapy or radiotherapy. The episode of surgery will vary according to the operation but most cancer surgery will be classified as either Band B or Band C.
We classify chemotherapy as a Band C procedure and radiotherapy, which has a shorter recovery time, as Band B.
MyRecoveryCheque policyholders can make one claim for the treatment of cancer during their lifetime unless the cancer is either a pre-existing condition or a recurrent cancer in which case it is excluded. A treatment for cancer can include a maximum of one episode of surgery, one course of chemotherapy and one course of radiotherapy providing that the treatment is for the same cancer.
No further treatments will be covered during the policy lifetime either for additional treatment of the original cancer or for a recurrence of that cancer in the same place or another place in the body or for the occurrence of another cancer anywhere else in the body.
Heart Surgery is included within the MyRecoveryCheque Schedule of Procedures.
Heart Attacks may not require surgery but will virtually always lead to time off work, these are also covered with a Band B benefit. Please see our definition of a Heart Attack in our Policy Document on Page 17.
MyRecoveryCheque benefits are graded according to the recovery time of a procedure. Our plans do not distinguish as to where operations and medical procedures are carried out or how long they take.
MyRecoveryCheque benefits are graded according to the normal recovery times of operations that in most cases would allow you to return to light manual work. The benefits will not increase if you take longer to recover and will not reduce if you get back to work more quickly than expected.
Whilst you are free to spend your benefits as you wish, it is important to note that MyRecoveryCheque benefits are calculated according to the normal expected recovery time and not according to the cost of an operation. Some operations may have a short return to work and a high treatment cost whilst others may have a longer return to work and a lower treatment cost. Benefits should therefore not be relied on to pay for private treatment.
You can increase your level of cover once you have joined by contacting us and giving us 30 days notice. Please note that you will not be covered for any increase in cover arising from planned treatments at the date that you increase your cover.
You can be covered under MyRecoveryCheque until you reach your 65th birthday.