Our Services and Costs for business can be found here.
Lifepoint Healthcare Ltd is Authorised and Regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK and you can check our authorisation and permitted
activities on the Financial Services Register by visiting the FCA’s website
www.fca.org.uk/firms/systems-reporting/register. Our FCA number is 843831
Please ensure you take time to read our Terms of Business as it contains IMPORTANT information about our relationship with you including your obligations under a Duty of Fair Representation, detailed below. For your own benefit and protection you should read the terms carefully. If you do not understand any of these, please contact us for clarification.
For Non-investment protection contracts, we are an intermediary and will act on your behalf when providing advice and making our personal recommendation(s) to you. We will do this based on a fair and personal analysis of insurers for term assurance, income protection, critical illness.
For general insurance contracts we are an intermediary and will act on your behalf when recommending an insurer based on your demands and needs from a fair analysis of the market. The insurers we consider will be listed to you when we carry out our research. It will be your responsibility to ensure the policy meets your demands and needs for private medical insurance.
Private Medical insurance is provided as an annual policy. We will e mail you ahead of the renewal date with details of the new premium and attempt to call you to give you an opportunity to update us with any changes that may impact the cover. However, where possible we will arrange the policy on an auto renewal basis so that the cover continues even if you take no action.
We do not charge a fee for these services as we will receive commission from any policy provider or insurer.
DUTY OF FAIR PRESENTATION
We take this opportunity to inform you that both you and Lifepoint Healthcare have a collective duty to provide the insurance company with a fair presentation of the insurance risk involved. You have a duty to disclose any relevant fact or material circumstance or change which you are aware, or you become aware of. This means that every applicant or insured person, whether seeking new insurance, amending or renewing an existing policy must take reasonable care to answer questions raised by insurers truthfully, accurately and completely.
In the event you, or any person to be covered under the policy, experience symptoms, seek treatment or advice from a GP, or any Specialist, between the date of completing any medical underwriting questionnaire either with us or the insurer directly, and the date any policy goes in force please contact us IMMEDIATELY. Failure to disclose any material information (a non-disclosure) may result in a future claim being declined by the Insurer.
Failure to disclose any information or any inaccuracies may invalidate in part or as a whole your insurance cover. This disclosure is relevant at any time during the lifetime of the policy and you should advise us as soon as reasonably practical in order that we can both advise the insurer and represent your needs. If, when you have read this TOBA you think that there is more information you may need to give us, please let us know.
We are committed to providing the highest standard of advice and service possible. The interest of our customers is paramount to us and to achieve this we have designed our systems and procedures to place you at the heart of our business.
In doing so, we will:
Certain protection and insurance contracts allow you the right to cancel after a contract has been put in force. Prior to you entering into a contract of protection or insurance we will provide you with specific details should this apply to include: its duration; conditions, practical instructions and any costs for exercising it, together with the consequences of not exercising it.
We prefer our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, accept oral instructions provided they are confirmed in writing by a durable medium.
If you wish to register a complaint, please write to Lifepoint Healthcare Ltd, 12 Kings Close, London, NW4 2JT or telephone 020 3348 9868. Or email: [email protected]
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.
If you make a complaint and we are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. Further information about the limits applicable to the different product types is available from the FSCS at http://www.fscs.org.uk/what-we-cover/products
We may be required to verify the identity of our clients, to obtain information as to the purpose and nature of the business which we conduct on their behalf, and to ensure that the information we hold is up-to-date. For this purpose we may use electronic identity verification systems and we may conduct these checks from time to time throughout our relationship, not just at the beginning.
This agreement is governed and shall be construed in accordance with the Law of England and the parties shall submit to the exclusive jurisdiction of the English Courts.
Lifepoint Healthcare Ltd shall not be in breach of this Agreement and shall not incur any liability to you if there is any failure to perform its duties due to any circumstances reasonably beyond its control.
The authority to act on your behalf may be terminated at any time without penalty by either party giving seven days notice in writing to that effect to the other, but without prejudice to the completion of transactions already initiated. Any transactions effected before termination and a due proportion of any period charges for services shall be settled to that date.
This is our standard agreement upon which we intend to rely. For your own benefit and protection you should read the terms carefully. If you do not understand any of these, please ask for further information.
Lifepoint Healthcare Ltd, is authorised and regulated by the Financial Conduct Authority (FCA), under firm reference number 843831. Lifepoint Healthcare Ltd is registered in England and Wales No.09296892. Registered address: C/O Sobell Rhodes LLP, The Kinetic Centre, Theobald Street, Elstree, Borehamwood, Hertfordshire WD6 4PJ