Your healthcare cover is comprehensive and of the highest quality at Homeprotect. The highlights of the cover are outlined below, but for full details of our cover you can download the BUPA Employee Booklet here.
Homeprotect will cover the cost of your insurance with our Healthcare Insurance Provider, currently BUPA. This benefit is offered to all staff on an individual basis.
Moratorium (‘MORI’), which means that any new medical condition arising from the date you join the Homeprotect Healthcare Scheme will be covered in line with the terms and conditions of your plan.
However, any conditions experienced during the last five years including any conditions you have had symptoms of, even if you haven’t had treatment for them, are only covered after being a member for two continuous years and after being free from all treatment, medical advice, drugs or medicines, or special diets related to that condition for one continuous year after joining.
Your cover includes:
The Scheme Year runs from 1 March annually.
The cost of your own individual cover is paid by Homeprotect, however this is considered a taxable benefit under HMRC rules. This means that a small tax charge, equivalent to the tax rate you pay as a percentage of the monthly premium with BUPA, has to be charged within the payroll calculations.
For more information on the Taxation costs, please click here.
You can add family depedents at any time. However, you will need to pay the cost of the cover for any additional members added. The cost of the additional members will be deducted from your net salary each month.
The costs are calculated by way of a flat multiple of your own monthly cost. Shown below is the total cost, including your own, should you add other Family Members, as follows:
By way of example only, if your monthly cost is £30, Couple Cover is total of £60, Single Parent £48 and Family Cover £75.
How to Apply
Applying couldn’t be easier – simply complete the application form here, save it as a PDF and send it to your HR Department – HR@homeprotect.co.uk.
If you wish the find out the cost of adding family members before applying, please email jeanette@pattersonmills.com, quoting “Homeprotect Healthcare Scheme” as the subject.
Memberships start on the 1st of the month following your return of your application.
Specialist Services Available
All the below links are part of your Homeprotect Healthcare Scheme benefits via BUPA, one of the most comprehensive healthcare policies available in the UK today.
Questions about your plan?
24-hour medical help and information line
When making a claim you will need your membership number, or else your full name, address and date of birth and your Group Number 55316969705.
