Policy summary

The purpose of this policy summary is to help you understand the insurance by setting out the significant features, benefits, limitations and exclusions. You still need to read the Cash Plan policy for a full description of the terms of the policy, including policy definitions. This summary does not form part of the Cash Plan policy. The full terms and conditions will be found in your policy document which will be sent to you on receipt of your application.

Please use the links below to help navigate this page.

• Significant Features and Benefits
• Significant Exclusions and Limitations
• Demands and Needs
• How long will the plan last?
• Cooling-off period and your cancellation rights
• How to contact us
• The Companies behind the plan

• Claims notification
• More Information
• Customer Information
• The Direct Debit Guarantee

Significant Features and Benefits

Cover is provided on a single person or family basis. Persons covered are named in the policy schedule. Up to two children are covered for no additional charge.

Benefits are payable as a percentage of the cost of treatment or service, up to stated benefit limit, for a number of everyday healthcare items such as optical, dental and physiotherapy treatments and for the costs of diagnostic consultations with a specialist. Further details can be found in the benefit table section of the policy. (Page 1)

Benefits are also payable directly to you at set amounts per event up to stated benefit limit for hospital stays or the birth or adoption of a child. Further details can be found in the benefit table section of the policy document. (Page 1)

We give you access to a 24 hour healthcare information line. (Page 15)

Significant Exclusions or Limitations

Unless special provisions are shown in the policy document, most benefits are not payable for treatments taken or commenced within the first 90 days of the policy. For maternity benefit the waiting period is 10 months. Further details can be found in the 'Scope of Insurance' section of the policy. (Page 1)

No hospital-related benefit is payable during the first two years of the policy for treatment arising from conditions which existed at the start date of the policy. Further details can be found in the 'Definitions' section of the policy document. (Page 2)

Claims for payment must be submitted within 13 weeks of the treatment date. Further details can be found in the 'Claims procedure' section of the policy. (Page 11)

If at the time of a claim, there is another insurance policy which pays for the same expense, we will only pay our share of the claim. The benefit is only payable in respect of the expense which is the direct responsibility of the policyholder or their partner. (Benefit limitation section of policy on page 10)

Demands and needs

This policy is designed to provide cover that gives money back for a range of everyday healthcare expenses in the event of the policyholder claiming healthcare expenses as defined in the benefit table section of the policy.

We will not provide advice or a recommendation on the suitability of this product for your particular circumstances.

How long will the plan last?

Provided you continue to pay the premiums, your cover can continue until your 65th birthday. Premiums are payable monthly. Each monthly premium buys cover for the calendar month in which it is paid. If any premium is not paid on the date it is due, cover will stop on that date if the premium is not received within 30 days.

Cooling-off period and your cancellation rights

You can cancel this policy at any time. If you cancel this policy within 15 days of the first premium due date shown on the schedule, we will give you a full refund of any premiums paid, providing no claim has been made in that period, within 30 days from the date we receive notice of cancellation. If you cancel the policy after 15 days, no refund of premiums will be made.

Claims notification

If you wish to notify us of a claim please contact us at: AIG Direct, 2 Darnley Road, Birmingham B16 8TE

Claims Helpline: 0845 073 0328. Lines are open 8.45am to 5.30pm, Monday to Friday.

How to contact us:

If you have any questions simply contact us at: AIG Direct, 96 George Street, Croydon CR9 1BU

Customer Helpline: 0845 073 0329. Lines are open 8.00am to 5.30pm, Monday to Friday.