Additional Important Information.
Health Plan Terms and Conditions
Health Plan Policy Summary
Protego Group Key Facts
The above supporting documents are pdf files. To read the pdf files, you will need to have Adobe Reader software on your computer. If you do not currently have this software, it can be downloaded from the Adobe Website
Retired Members Plan
Who can apply?
All GMB members and any family member aged 50 and above can join this health plan and you do not need to be retired to join. There are no medical questions to answer and you can stay on the plan as long as you wish.
What will I be covered for?
Everyday healthcare costs such as trips to the dentist and optician, plus a wide range of therapy treatments and other cash paying benefits. There are many benefits included, please refer to the Premium and Benefits Table below; you’re covered according to the cover level you choose.
What cover is provided for pre-existing conditions?
You can claim for pre-existing conditions on all the benefits listed.
How do you claim for a hospital stay?
If you are hospitalised as an In-Patient, you can claim a cash benefit for each night you spend in hospital, up to your policy limit. If you are aware you are going to need to claim on this benefit, simply call the claims department for a hospital claim form.
What is the home help benefit?
If after a hospital stay, your medical professional advises you to get complete rest or assistance; you can get Home Help after assessment by your local authority. You can then claim back any charges incurred if you need help cooking, cleaning, shopping etc.
What else is covered?
There are many other benefits that you can take advantage of such as cash towards Hearing Aids and Repairs and also Surgical Appliances. Plus there is 24/7 access to a helpline for legal, medical or financial queries - almost any personal matter that may be causing concern to you, including identity theft and counselling.
When can I start using this plan?
There is a thirteen week qualifying period before you can claim. You can then claim 100% money back on your bills, as often as you’d like, according to the cover level you choose.
How do I claim?
Simply pay your bill as normal, complete a claim form and return to us with your receipt and you will be receive your money back in a few days by cheque or bank transfer.
How do I join?
Simply call the GMB Health Plan helpline on Freephone 0800 037 2078 or apply below.
| Cover Level 1 | Cover Level 2 | Cover Level 3 | |
|---|---|---|---|
| Optical | £100 | £150 | £200 |
| Dental - general routine treatments | £100 | £130 | £220 |
| Dental - accidental damage treatments | £160 | £240 | £400 |
| Dental - denture repairs | £80 | £120 | £200 |
| Specialist consultations and tests | £200 | £300 | £450 |
| Therapies - physiotherapy, osteopathy and chiropractic | £200 | £400 | £600 |
| Therapies - chiropody and complementary therapies | £100 | £150 | £250 |
| Hospital cash - in-patient (maximum 10 nights) | £10 per night | £15 per night | £20 per night |
| Home help | £300 | £500 | £800 |
| Hearing aids and repairs | £250 | £300 | £400 |
| Surgical appliances | £250 | £300 | £400 |
| Telephone helpline including identity fraud assistance 24/7 | included | included | included |
| Benefit Period | 12 months | 12 months | 12 months |
| Premium per person, per month | £19.75 | £35.50 | £49.75 |
| *These benefits are doubled for Accidental damage treatment. |  |
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