Professional Documents
Culture Documents
My Membership Plan
My Membership Plan
TCES Group
Health Cash Plan
About your plan Pre-existing conditions covered at the higher levels as long as you
4 levels of cover to choose from increase within 30 days
Additional contributions via payroll deduction No medical required to join and no GP referral required before having
Pre-existing conditions covered at the company paid level treatment
Dependent children covered up to the age of 21 or 24 if in full-
time education Log-on to our Members' Area www.healthshield.co.uk/members where
All benefits are claimable over a 12 month period except where you can:
indicated in the table below (if applicable) Update your personal details and check your benefit balance
Shared annual maximums for dependent children except Claim online and receive fast payment direct to your account
specialist consultation Visit mywellness to access a range of additional services that help
you manage your health and wellbeing needs
Specialist Consultation, ECG, X-ray, per adult 100% £100 £150 £200 £300
Pathology Fees and MRI Scans per child 100% £100 £150 £200 £300
mywellness provides you with online tools and information to help you proactively manage your
health and wellbeing. Included within your membership plan is access to the following services:
GP Anytime including Private Prescriptions, 24/7 Counselling and Support Helpline, Face to Face
Counselling, a Mindfulness App, On-Demand Physio and Online Health Assessments. You can
also access healthy discounts on shopping, days out and much more. Simply log on at
www.healthshield.co.uk/members to find out more*.
Services and information available on mywellness can change without notice.
The above benefits are the maximum levels which apply. The type of benefit, benefit levels and contribution rates may change in future. All contributions and benefits are subject to an
annual review. There is worldwide cover for many benefits. *Services may vary. Please log on at www.healthshield.co.uk/members to find out which services are applicable to your plan.
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Terms and conditions for the TCES Group Tailored Scheme membership plan
you has the accreditations and qualifications we cover may also be provided for your partner and � Contact lens cleaning solutions (including if you buy
accept: dependent children, if this applies. these separately)
� Chiropody � Eye laser surgery to correct long- and short-
� Health and wellbeing ‘Pandemic’ – an infectious disease that is sightedness paid according to the date of treatment
� Combined physiotherapy widespread throughout an entire country, continent, and not when payments are made
� Specialist consultation, ECG, X-ray, pathology fees or the whole world. � Eyesight tests
and MRI scans � Lenses you buy separately to fit to existing frames
‘Partner’ – your husband, wife or any other person � Lenses supplied under an optical insurance plan
Worldwide cover who lives with you at the same address as if you are � Prescribed glasses
married, no matter whether they are male or female. � Prescribed magnifying glasses
Some benefits apply during business visits and � Repairs to prescribed glasses
holidays abroad that last up to 28 days. The terms ‘Practice-plan premiums’ – payments made to a � Sunglasses, safety glasses and swimming goggles
and conditions (including what is and what is not scheme provided by your dentist. (as long as they have prescribed lenses)
covered) will apply to the claims you send in, and
you must send the details translated into English, if ‘Pre-existing condition’ – any disease, illness or What is not covered:
necessary. We will convert the amount of your claim injury that you have received medication, advice or � Insurance premiums
into pounds sterling using the currency exchange treatment for, and experienced symptoms of, no � Non-prescribed glasses and contact lenses (for
sell rate on the date we process your claim. matter whether the condition has been diagnosed example, ready-made glasses and coloured lenses)
before the start of your cover. � Optical consumables (for example, glasses cases)
Before we can pay your claim, we may ask for a � Frames you buy separately
copy of your travel documents which confirms that ‘Surplus’ – any money left over after meeting claims Also see the ‘Exclusions’ section on page 2.
you have not been outside of the United Kingdom and expenses during the financial year.
for more than 28 days. Chiropody
‘We’, ‘our’, ‘us’ – Health Shield Friendly Society Ltd,
What benefits are covered: Electra Way, Crewe Business Park, Crewe, Cheshire, We will pay benefit, at the appropriate rate and up
� Dental CW1 6HS. to the appropriate maximum in any one benefit year,
� Optical for chiropody treatment from a practitioner who is a
� Combined physiotherapy (the qualification or ‘You’ – you, as well as any partner and dependent member of an approved professional organisation.
accreditation of the practitioner may be an children who are covered, if this applies, in this
international equivalent) membership plan. Please see the ‘How to claim’ section on page 2
before going for treatment or sending us a claim.
What benefits are not covered: BENEFIT TERMS
� Chiropody What is covered:
� Prescriptions
Dental � Assessments (for example, gait analysis, which is
� Health and wellbeing an analysis of how you walk)
We will pay benefit for dental treatment, at the
� Flu jabs � Chiropody treatment
appropriate rate and up to the appropriate
� Specialist consultation, ECG, X-ray, pathology fees � Podiatry treatment
maximum in any one benefit year.
and MRI scans
Also see the ‘Exclusions’ section on page 2. What is not covered:
Please see the ‘How to claim’ section on page 2
� Consumables (for example, arch supports, orthotics
before going for treatment or sending us a claim.
This cover does not replace travel insurance. or insoles) even when prescribed and supplied by
the chiropodist or podiatrist at the time of the
What is covered:
DEFINITIONS treatment
� Anaesthetic fees
� Surgical footwear (for example, corrective shoes
� Check-up charges
‘List of accepted accreditations and qualifications’ prescribed and supplied as a part of the treatment)
� A dental brace or gum shield provided by the dentist
– a list of approved professional organisations and � X-rays
� Joining fees and practice-plan premiums
accepted qualifications that we recognise. We � Chiropody prescription charges (we cover these
� Dental crowns, bridges and white fillings
review this list every year. The practitioner’s charges under the prescriptions benefit)
� Dental veneers
qualifications, registration or membership must be Also see the ‘Exclusions’ section on page 2.
� Dentures, or repairs to dentures at dental
relevant to the treatment that they are providing.
laboratories
Prescriptions (for each item)
‘Accident’ – a sudden, unexpected and identifiable � Hygienist fees
‘Hospital’ – an institution which has permanent We will pay benefit for optical treatment, at the What is covered:
facilities for caring for patients, has facilities for appropriate rate and up to the appropriate � NHS prescription charges or the NHS cash
diagnosing and treating injured or sick people and maximum in any one benefit year. equivalent for private prescription charges
provides nursing services supervised by registered � An NHS prepayment certificate up to the
general nurses. If you are admitted to a hospital, it Please see the ‘How to claim’ section on page 2 appropriate maximum of individual prescription
should be following a referral by a GP, consultant or before going for treatment or sending us a claim. items
through the accident and emergency (A&E) � Dental, combined physiotherapy and chiropody
department. If you have bought your contact lenses or glasses
prescription charges
online, you must send us the receipt together with a
‘Membership plan’ (‘the plan’) – the TCES Group copy of the optician’s prescription showing your What is not covered:
Tailored Scheme membership plan, and the long- name. � Charges above the current rate set out in the NHS
term insurance cash benefit plan described in these prescription pricing structure
terms and conditions. The plan is registered in a What is covered:
Also see the ‘Exclusions’ section on page 2.
� Contact lenses (permanent or disposable)
single name only (that is, your name), although
� Contact lens check-ups
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Health and wellbeing the treatment. of a hospital or as part of a consultation.
We will pay benefit, at the appropriate rate and up Please see the ‘How to claim’ section on page 2 Please see the ‘How to claim’ section on page 2
to the appropriate maximum in any one benefit year, before going for treatment or sending us a claim. before going for treatment or sending us a claim.
when a person entitled to benefit receives treatment We will only pay claims for the treatments listed
related to their health and wellbeing to relieve pain On the claim form, you must fill in the reason for the
below. The practitioner must have the appropriate
or prevent an illness, from a practitioner who is a consultation, treatment or tests.
qualifications as shown on the separate list of
member of an approved professional organisation. accepted accreditations and qualifications referred
What is covered:
to above.
Please see the ‘How to claim’ section on page 2 � Hearing aids and audiology tests provided by a
before going for treatment or sending us a claim. The claim form must include the reasons for the registered hearing aid supplier
treatment, and the type of treatment provided. � Hearing aid repairs
We will only pay claims for the treatments listed � Investigative procedures (for example, colonoscopy,
below. The practitioner must have the What is covered: laparoscopy, colposcopy and sigmoidoscopy)
appropriate qualifications as shown on the � Acupuncture � Medical tests, including ECG, EEG and lung-function
separate list of accepted accreditations and � Chiropractic tests
qualifications referred to above. � Homoeopathy � Pathology and biopsy fees
� Osteopathy (including craniosacral therapy)
� Physicians’ or surgeons’ operation fees
The claim form must include the reasons for the � Physiotherapy
� Speech therapy, dyslexia and dyspraxia treatment
treatment, and the type of treatment provided. � X-rays and scans, when necessary as part of the
provided by a registered medical practitioner
treatment � X-ray, including mammograms, CT scans,
What is covered: ultrasounds, MRI scans and screenings
What is not covered:
� Acupressure � If a claim has been settled by a provider of private
� Any treatment, provided by a practitioner who is
� Allergy testing, including food intolerance and medical insurance, we can only pay benefit (up to
recognised by us, which is not listed above
nutrition tests carried out by a qualified practitioner the appropriate maximum) for any remaining
� Appliances (for example, lumbar rolls and back
� Aromatherapy massages excess if you send us your statement from the
supports) even if prescribed and supplied by your
� Bowen and Alexander techniques provider of private medical insurance. Please make
practitioner as part of the treatment
� Chair massage sure that the statement clearly shows how much
� Pre-existing conditions
� Cognitive behavioural therapy excess is left to pay
� Herbs, herbal remedies, supplements or vitamins,
� Colonic hydrotherapy
even if they have been supplied as part of your
� Counselling fees (for example psychiatric, What is not covered:
treatment
psychological and bereavement) � Anaesthetists’ fees
� Prescription charges (we cover these charges under
� Hopi ear candles � Counselling fees (we cover these fees under the
the prescriptions benefit)
� Hot-stone massage health and wellbeing benefit)
Also see the ‘Exclusions’ section on page 2.
� Hypnotherapy � Private antenatal scans
� Indian head massage � Private hospital charges (for example, theatre and
Flu jabs
� Kinesiology room fees)
� Manual lymphatic drainage � Pre-existing conditions
We will pay benefit to you and your partner (if they
� Naturopathy � Excesses remaining after private treatment through
are covered), at the appropriate rate and up to the
� Nutritional therapy a company sponsored private medical insurance
appropriate maximum in any one benefit year, for flu
� Reflexology (influenza) vaccinations. policy
� Reiki � ECG, X-ray, pathology fees and MRI scans charged
� Shiatsu Please see the ‘How to claim’ section on page 2 to you other than when they form part of a hospital
� Sports and remedial massages including therapies before going for treatment or sending us a claim. stay or a consultation
� Swedish massage Also see the ‘Exclusions’ section on page 2.
We do not pay for flu jabs for dependent children.
What is not covered: mywellness
� Beauty treatments (including facials) What is covered:
� Herbs, herbal remedies, supplements or vitamins, � Flu (influenza) vaccination from a GP or nurse, for Health Shield membership allows you exclusive
even if they have been supplied as part of your example in a GP’s surgery or a pharmacy access to a list of extra services. mywellness brings
treatment these services together in one place and they can be
� Vega testing What is not covered: easily accessed online, on any device, through the
� Laboratory testing not referred for by a doctor � Any tests, treatment or other services provided by mywellness tab on our Members’ Area.
� Hair analysis the above
� Home testing kits � Inoculations or vaccinations that are not for flu To take advantage of the services, you will first need
� Any treatment, provided by a practitioner (influenza) to register on to Health Shield’s Members’ Area at
recognised by us, which is not listed above � Vaccinations carried out in the workplace or www.healthshield.co.uk/members where you will be
� Appliances (for example, lumbar rolls and back arranged through your employer asked to confirm your Health Shield member
supports), even if they have been supplied as part of Also see the ‘Exclusions’ section on page 2. number.
your treatment
� Smoking cessation patches, gum, electronic Specialist consultation, ECG, X-ray, pathology fees and Once registered, please log in and select the
cigarettes and other remedies MRI scans ‘mywellness’ tab where you’ll be able to access all
� Weight-management programmes the extra services which are available to you.
� Relationship counselling We will pay benefit, at the appropriate rate and up
Also see the ‘Exclusions’ section on page 2. to the appropriate maximum in any one benefit year, The services available on mywellness may differ
when a person entitled to benefit has a specialist according to the type of plan. Services and
Combined physiotherapy consultation or treatment from a medically qualified information available on mywellness can change
person who specialises in a field of medicine. without notice.
We will pay benefit, at the appropriate rate and up
to the appropriate maximum in any one benefit The specialist does not have to be a consultant in a
year, when a person entitled to benefit receives hospital but must be listed on the General Medical
treatment to relieve pain or prevent an illness, from Council’s Specialist Register or be a member, fellow
a practitioner who is a member of an approved or licentiate of one of the Royal Colleges.
professional organisation. This benefit also covers
charges for X-rays and scans carried out at clinics This benefit also refunds costs you would have to
on the recommendation of the practitioner as part of pay for an ECG, X-ray, pathology fees and MRI
scans charged to you at the appropriate department
Health Shield Friendly Society Ltd., Electra Way, Crewe Business Park, Crewe, Cheshire, CW1 6HS.
Telephone 01270 588555 Fax: 01270 251366 Opening Hours: 8.00am to 6.00pm, Monday to Friday
Email: info@healthshield.co.uk Website: www.healthshield.co.uk
Established in 1877. Authorised by the Prudential Regulation Authority and regulated by the
The Crystal Mark only applies to the terms
Financial Conduct Authority and the Prudential Regulation Authority.
and conditions section, and does not apply to
the design and layout of this leaflet.
As part of our on-going quality control programme, calls may be monitored or recorded. TCESMP/JULY2020
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