Fidante Benefits Package

What if I have existing PMI?

In many circumstances, cancelling existing plans and joining the Fidante arrangement will make good sense. You will benefit from company paid premiums and your personal costs are likely to be much reduced. However, it is crucial to assess the value of any existing cover for you and your family before switching to the Fidante plan. The Fidante plan is a first-class arrangement but there may be individual circumstances where an existing plan is more valuable. In particular, if you or a member of your family has a recurring health condition that is covered by your existing private plan, it could make sense to maintain this arrangement. As explained, the Fidante plan benefits from Medical History Disregarded terms so existing health conditions may be covered for treatment. However, if you subsequently leave Fidante, you will potentially be asked to complete an application (including questions on medical history) in order to continue the plan on an individual basis. At that point, additional personal exclusions may be imposed. In these circumstances, maintenance of an existing individual arrangement may make more sense. Please refer to our advisers (JMA) if you require any confidential assistance on this matter. Please note that Fidante will not contribute towards any individual PMI plans. In addition, no alternative form of compensation will be provided for members of staff that choose not to join the Fidante PMI plan. • Members become eligible for this benefit after the completion of a 3 month probation period. • Towards the end of the probation period, members will receive an invite email from JMA. • To participate in the arrangement, members will need to confirm instructions by email to JMA. This includes full names and dates of birth for any eligible family members. • Members will not be added to this scheme automatically – specific instructions need to be provided by email. Please note that if these instructions are received late, the valuable MHD terms may not apply. When can I join the PMI Scheme?

What happens if I leave service?

Coverage will stop immediately from the date of leaving service.

If you wish to continue coverage after leaving service, it is possible to implement a replacement private plan, payable at your own expense. It may be possible to avoid any medical underwriting or imposition of personal exclusions – but to qualify for these ‘continuation’ terms, members must directly contact BUPA before leaving service. The contact number is 0800 600500.

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