UltraCare
2
Contents
Your plan guide
3
Individual plans
3
Cooling off period
3
Individual Eligibility
3
Plan start date
3
Premiums
3
Ways to pay
4
Unpaid or late premiums
4
Adding dependants
4
Removing dependants
5
Transfers
5
Making plan changes
5
Renewal
5
Automatic renewal
6
No-claims discount
6
Cancellation
6
Death
6
Group plans
6
Group eligibility
6
Group plan start date
7
Group premiums
7
Ways to pay group premiums
7
Unpaid or late group premium payments
7
Adding group members
8
Removing group members
8
Group member transfers
8
Continuing cover when leaving a group plan
8
Changing the cover and add-on plans for groups
8
Renewing the group plan
9
Cancelling the group plan
9
General conditions and benefit conditions
9
General conditions
9
Benefit conditions
10
Benefit exclusions
11
Extra benefit conditions and benefit exclusions for add-on plans
12
Extra benefit condition for the Maternity add-on plan
12
Benefit conditions for the Personal accident add-on plan
13
Benefit exclusions for the Personal accident add-on plan
13
Benefit conditions for the Travel add-on plan
13
Benefit exclusions for the Travel add-on plan
13
Data Protection
15
Complaints
15
Financial Services Compensation Scheme
15
How you can help us contain your premium
15
Fraud, let’s beat it together
15
Definitions
16
