Key Facts, Demands & Needs, Guarantee, Policy Summary



Key Facts

1. The Financial Services Authority (FSA)
The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.

2. Whose products do we offer?
We only offer our own products for health cash plans.

3. Which service will we provide you with?
You will not receive advice or a recommendation from us for health cash plans. You will need to make your own choice about how to proceed.

4. What will you have to pay for our services?
There is no fee for our services (other than the appropriate subscription).

5. Who regulates us?
Welsh Hospitals & Health Services Association (which trades as WHA) is authorised and regulated by the Financial Services Authority. Our FSA register number is 202605.

Our permitted business is health cash plans.
You can check this on the FSA’s register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234

6. What to do if you have a complaint.
If you wish to register a complaint, please contact us either by writing to the Chief Executive, Welsh Hospitals & Health Services Association, 60 Newport Road, Cardiff, CF24 0YG or by telephoning 029 2048 5461.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7. Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.
Further information about compensation scheme arrangements is available from the FSCS.
Demands and Needs Statement
This product meets the demands and needs of those who wish to ensure that they have financial assistance towards a range of their health care costs. now and in the future.

For example, the costs incurred for optical care, dental treatment, physiotherapy, osteopathy, chiropractic, acupuncture, chiropody and visits to hospital.
30 Day Money Back Guarantee
WHA offers straightforward schemes with no catches. But if, after joining, you are not satisfied, you may cancel your membership by writing to us within 30 days. We will refund any payments you have made to us, provided you have not made any claims.
Policy Summary

This policy summary does not contain the full terms and conditions. The full terms and conditions can be found in the Benefit and General Conditions section.

Insurer’s Name
Welsh Hospitals & Health Services Association which trades as WHA.

Type of insurance and cover
Health cash plans providing financial assistance for costs in relation to a range of benefits including optical care, dental treatment and visits to hospital.

Significant features and benefits
The benefits available are optical care, dental treatment, physiotherapy, osteopathy, chiropractic, acupuncture, chiropody, consultations and visits to hospital as an inpatient or outpatient.

Significant and unusual exclusions or limitations
Benefit is not payable for medical conditions which you may already have. Benefit is not payable for events which arise during the first three months of your membership (six months if you pay by cheque, cash or postal order). Maternity benefit is not payable for births occurring during the first 12 months of your membership.

Please refer to sections 11 and 12 of the Benefit and General Conditions

Duration
Once you have enrolled as a member, your membership is continuous until cancelled either by you or by Welsh Hospitals & Health Services Association.

Review
You may need to review and update your cover periodically to ensure that it remains adequate in terms of the level of benefit available.

Cancellation
You have a right to change your mind and cancel this agreement. If you wish to exercise this right, please do so within 14 days of the date you sign your enrolment form

Claims
Claims must be submitted on an official benefit claim form to:
Welsh Hospitals & Health Services Association,
60 Newport Road,
Cardiff,
CF24 0YG.
Telephone 029 2048 5461.

Complaints
If you find it necessary to complain about any aspect of our service, you can write to us at Welsh Hospitals & Health Services Association, 60 Newport Road, Cardiff, CF24 0YG.
Telephone 029 2048 5461.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service, South Key Plaza, 183 Marsh Wall, London, E14 9SR.

Compensation
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we are in the unlikely position that we are unable to meet our liabilities. This depends on the type of business and the circumstances.

Further information about compensation scheme arrangements is available from the FSCS.