FAQ

Who are Eduhealth?

Eduhealth offer a range of healthcare products and benefits exclusively to the education sector. Our experience and knowledge of education and the healthcare market positions us perfectly to assist you with your healthcare requirements.

How does our private medical insurance work?

Eduhealth provides crucial cover that protects you for most new medical conditions that happen after you have joined us, and the peace of mind which that brings. Our monthly direct debit premiums give excellent value for money, and the advantage of safeguarding your health with a name you can trust.

Who is eligible?

Eduhealth is available to anyone working in the education sector, teaching, administrative or ancillary staff, and their partners and families.

How do I join the scheme?

To join the scheme, you will need to phone Eduhealth on 0345 226 9938 and speak to our dedicated advisers who will help you with the joining process.

Can I cover my family as well?

Partners living with you (the policyholder) and unmarried children can be covered under your policy. You can include them at the start of your policy or add them at any time afterwards.

Can I include an excess?

An excess on a medical insurance policy enables you to enjoy lower premiums in exchange for agreeing to pay a set amount towards the first claim for each member made in each membership year. At Eduhealth we will only expect you to pay it once in any Scheme year you or anyone covered by the policy claims, regardless of the number and costs of claims made.

Eduhealth Essentials has the option of choosing an excess of £100, £250, £500 or £1,000.

What is medical underwriting?

Different medical underwriting terms may be available to you, depending on your medical history and requirements. Here is a brief explanation of each:

Fully underwritten – this requires each applicant to supply a medical declaration on the application and, in certain circumstances, a medical report. Treatment of pre-existing medical conditions and any conditions related to them are then excluded where necessary.

With moratorium membership you are not required to complete a medical questionnaire before you arrange cover. Each time you make a claim we will ask you to provide to us medical details, including medical information that you will need to ask your GP to provide to you. Each claim you make during your membership will be assessed on this information and any further information we ask you to provide. If you have chosen moratorium membership we do not provide cover for any pre-existing and related medical conditions that you have had in the five years before your start date, unless after two years of continuous membership you have not received any medication, advice or treatment, or experienced any symptoms related to those conditions, in which case you may become eligible for cover. You should not forgo any medical treatment in an attempt to become eligible for cover earlier than you would normally be.

How does the Eduhealth Essentials underwritten option work with switch clients?

On the switch application form we ask two questions with respect to the prospective member(s)’ medical history over the last 12 months.

If the answers for all two medical questions are ‘no’ then we will simply apply any current exclusion clauses that appear on the existing membership certificate of the proposed members.

If the prospective member answers ‘yes’ to any of the questions in respect of individuals included in the application for Eduhealth cover then they will have to provide further medical information relating to the last 12 months, including any planned or pending treatment, investigations or tests.

Upon receipt of the application form we will refer it to our underwriting department. As well as matching any current exclusion clauses, Eduhealth reserves the right to add any new exclusion clauses based on the medical information supplied in respect of the prospective member(s).

How does the moratorium underwriting option available with Eduhealth Essentials and Eduhealth Passport scheme work with switch clients?

The moratorium underwriting option for switch clients who join Eduhealth Essentials and Eduhealth Passport scheme requires these members to complete a two year symptom, investigation, advice, and treatment free period commencing from the date of joining their previous private medical insurance scheme. This applies to any conditions experienced in the five years prior to taking out the cover and affects the eligibility of claims.

You will be required to provide your current existing provider membership certificate with details of the type of underwriting and underwriting start date shown clearly before your application to register will be accepted.

We ask prospective moratorium members one medical question relating to planned and pending treatment.

If any of the individuals included in the application answer ‘no’ to this question then we will use the start date of the individual’s previous moratorium policy as start date for the two year symptom and treatment free period.

If any of the prospective members answer ‘yes’, we will apply Bupa’s standard two year ruling and use the date that the member joins the Eduhealth Essentials scheme as the start date for the two year symptom and treatment free period applied to any conditions declared on the application form to join Eduhealth from another health insurance company.

If my personal circumstances change what will I need to do?

You are responsible for notifying Eduhealth in writing of any change in your circumstances including change of address. If you do not inform Eduhealth of a change in your dependant family then they may not be covered and therefore unable to claim. Please remember that the dependant family cover will only be provided to the members that you have named to Eduhealth.

Can I leave the scheme at any time?

You can end your membership of the scheme at any time by writing to:

Eduhealth, Sea King Drive, Fountain Court, Auckley, DN9 3QR

What happens when I leave the teaching profession?

If you retire or leave the teaching profession, and continue to live in the UK you may remain in the scheme.

How do I make a claim?

You should call Eduhealth on 0333 577 7274 before you see a consultant or therapist. Eduhealth will then take you through a pre-authorisation process. It is essential to keep Eduhealth informed throughout your treatment. You will need to complete a form which gives consent for Eduhealth to contact the health professionals who will be dealing with your case.

About our network of hospitals

Eduhealth have access to all hospitals who are recognized by the General Medical Council and who provide private health services are available. There are two choices e hospitals may change from time to time so you should contact us before you arrange any treatment to check that the hospital is listed. A copy of the current list is available on request and online; so you can be reassured of treatment close to home.

Additional benefits

Eduhealth Helpline and structured telephone counselling

Support Helpline information and counselling services. The service which is provided by The Validium Group, is available 24 hours a day, 365 days a year.

Also available Counselling Support, Legal, Financial & Debt Specialists, Health & Wellbeing

Eduhealth and our other Healthcare products, please contact us on 0345 226 9938.

 

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