Fidante Benefits Package

What is the PMI Scheme?

• The objective is to provide high quality medical treatment at comfortable private hospitals. The cover is available in the UK only. • For full benefit details of the Scheme please click here and refer to your Membership pack that will be provided by BUPA. • To check on available hospitals, please click here for the BUPA ‘finder’ tool and follow the instructions.

Who Provides the PMI?

BUPA is the current provider.

Can I include my family?

Yes, spouses, permanent partners (living at the same address as you) and/or children can be included. Children can remain covered until age 21 (if unmarried and living at the same address as you) – or age 24 if in full-time education. Proof of continued full-time education will be requested.

Is there any cost to me?

Fidante meet the full cost for members and family.

• A member excess of £150 currently applies (this excess level may increase in future). This applies per person, per year when eligible treatment is required. • HMRC treat PMI as a benefit in kind for income tax purposes. Tax is payable at your marginal rate on the premiums paid on your behalf. • In addition, it is important to note that all insurers (BUPA included) have treatment cost ‘maximums’ (often in the form of preferred consultants/specialists where they have pre -agreed to work within the treatment cost maximums). It may be possible to use an alternative consultant of your choosing – but where they charge more than the widely accepted cost maximums, the member will be charged the differential. Where this is not acceptable, the member will be offered an alternative consultant / specialist.

What is not covered by the Schemes?

All PMI plans impose certain standard exclusions that apply to everyone – these will be confirmed in your Membership Documents. All PMI providers impose exclusions on chronic conditions and it is important that members of staff are aware of this – please refer to your Membership Documents for full details.

Will Personal Exclusions apply to my Plan?

No. Fidante have selected the highest quality underwriting option known as “Medical History Disregarded” (MHD). This means that medical declarations are not required at outset and that no personal exclusions will be imposed. Consequently, it may be possible to receive treatment on existing conditions. This is an extremely important (and generous) feature of the Fidante scheme. However, please note that MHD terms only apply for members of staff (or new family additions) that apply within 30 days of becoming eligible to join. If you apply late, full medical underwriting may apply and personal exclusions may be imposed.

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