Your Healthcare Plan at Fintilect

Your healthcare cover is comprehensive and of the highest quality at Fintilect. The highlights of the cover are outlined below, but for full details of our cover you can download the Member Handbook here.

Basis of cover

Fintilect will cover the cost of your insurance with your Healthcare Insurance Provider, currently AXA Health. This benefit is offered to all staff on an individual basis.

The cover is provided on a Medical History Disregarded (MHD) basis which means that there is no medical evidence required as the scheme disregards any historical ailments and so joining could not be easier. Please note that some chronic conditions (eg long term conditions such as asthma) may not be able to be covered.

Once you join the Scheme, you then have 13 weeks to add any partner/dependants if you want them to also receive Medical History Disregarded cover.

After 13 weeks from when you joined, any partner/dependant will be added on a 2-year moratorium basis (MORI). This means any conditions experienced during the last five years including any conditions they’ve had symptoms of, even if they 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:

No yearly limit for specialist consultations, practitioner charges and diagnostic tests for AXA recognised healthcare specialists;
AXA Doctor at Hand service – speak to a GP 24/7, 365 days a year, whether you are at work, home or abroad. For more information, please visit AXA’s DoctorCareAnywhere.
AXA Stronger Minds service provides prompt access to mental healthcare and support;
Direct referrals for certain conditions without the need to visit your GP. Conditions include Musculoskeletal, Mental Health, Cataract, Breast cancer and Bowel cancer;
Your AXA Healthcare Scheme has a claims excess of £100 per person, per year.

Cover in detail – see this page

The Scheme is effective from 1 May 2023.

The cost of your own individual cover is paid by Fintilect, 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 AXA, has to be charged within the payroll calculations.

For more information on the Taxation costs, please click here.

Adding family members

You can add family members at any time, though preferably within the first 13 weeks of your own cover in order to receive cover on a Medical History Disregarded basis.

Adult children / dependants can be added provided they are 30 years of age or under and living with you at home. They can stay on cover indefinitely whilst living at home. Any children / dependants over the age of 30 cannot be added.

Please note 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:

Couple (i.e. adding your partner/spouse) = x 2
Single Parent (i.e. adding children only) = x 1.6
Family (i.e. adding partner and children) = x 2.5

By way of example, 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 contact Richard Glover at RGlover@fintilect.com and email to him the following details:

Name(s) of person(s) to be included in cover
Date of Birth for each person to be covered
Sex for each person to be covered (eg Male / Female)
Relationship to Employee (eg Spouse / Partner / Child)
Home Address of Employee
Contact Tel No of Employee
Employee’s Email Address

If you wish the find out the cost of adding family members before applying, please email jeanette@pattersonmills.com, quoting “Fintilect Healthcare Scheme” as the subject.

Memberships start on the 1^st of the month following your return of your application.

Click here for making a claim

Specialist Services Available

All the below links are part of your Fintilect Healthcare Scheme benefits via AXA Health, one of the most comprehensive healthcare policies available in the UK today.

Doctor at Hand

AXA Mental Health

AXA Men’s and women’s Health

AXA Menopause Support

AXA Menopause: The sypmtoms, self-help & treatment

Take a browse of the many benefits-hub pages to the AXA Health member website above.

Questions about your plan?

Call AXA on 0800 587 0955 (Monday to Friday 8:30am to 5:30pm)

24-hour medical help and information line

Call AXA on – 0800 003 004

When making a claim you will need your membership number, or else your full name, address and date of birth and your Group Number 5898Z.